{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-23-000054","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2023-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.568300+00:00","generated_at":"2026-06-08T15:13:19.924899+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Oscar Health Q3 net loss narrows to $65.7M; raises 2023 EBITDA outlook; new +Oscar deal","bullets":["Net loss of $65.7M vs $193.5M loss YoY; Adjusted EBITDA loss of $20.3M vs $159.8M loss YoY.","Medical Loss Ratio improved 608 bps to 83.8%; InsuranceCo Combined Ratio improved 934 bps to 101.3%.","Raises 2023 InsuranceCo Adj EBITDA guidance to $155M-$165M (from $20M-$120M); consolidated Adj EBITDA loss to ($60M)-($50M).","New multi-year +Oscar agreement with Sanford Health Plan for member engagement technology.","Direct and Assumed Policy Premiums $1.6B, down 5% YoY; Premiums earned $1.4B, up 46% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-23-000054","json":"https://secwatch.observer/filing/0001568651-23-000054.json","markdown":"https://secwatch.observer/filing/0001568651-23-000054.md","text":"https://secwatch.observer/filing/0001568651-23-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865123000054/0001568651-23-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865123000054/oscr-20231107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T15:13:19.924899+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"abf964f2f98242ea6eef15068372c5f2594b1a40","claim":"Oscar Health, Inc. reported the quarter ended September 30, 2023 results: net income Net loss of $65.7 million. Guidance raised.","evidence_excerpt":"Oscar Health, Inc. (the “Company”) announced the Company’s financial results for the quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1568651/000156865123000054/0001568651-23-000054-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"Net loss of $65.7 million"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}