{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-24-000004","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2024-02-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.649723+00:00","generated_at":"2026-06-06T06:57:28.819687+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 posts FY2023 net loss $271M; 2024 adjusted EBITDA guidance positive $125M-$175M","bullets":["FY2023 Direct and Assumed Policy Premiums $6.6B (-3% YoY); Premiums earned $5.7B (+47% YoY).","Medical Loss Ratio improved 370 bps to 81.6%; InsuranceCo Combined Ratio 99.5% (640 bps improvement).","Net loss $271M improved $339M YoY; Adjusted EBITDA loss $45M improved $417M YoY.","Membership 1,036,283 as of Dec 31, 2023, down from 1,151,483 a year ago.","2024 guidance: Total Revenue $8.3B-$8.4B; MLR 80.2%-81.2%; Adj. EBITDA $125M-$175M (positive)."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-24-000004","json":"https://secwatch.observer/filing/0001568651-24-000004.json","markdown":"https://secwatch.observer/filing/0001568651-24-000004.md","text":"https://secwatch.observer/filing/0001568651-24-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865124000004/0001568651-24-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865124000004/oscr-20240207.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T06:57:28.819687+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":"52d4573807ecc99e11ac43804731f09b3f7d93ee","claim":"Oscar Health, Inc. reported Fiscal Year Ending December 31, 2024 results: revenue $8,300,000 to $8,400,000. Guidance initiated.","evidence_excerpt":"The Company anticipates Total Revenue of $8.3 billion to $8.4 billion, a Medical Loss Ratio of 80.2% to 81.2%, a SG&A Expense Ratio of 20.5% to 21.0%, and Total Company Adjusted EBITDA of $125 million to $175 million.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1568651/000156865124000004/0001568651-24-000004-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Fiscal Year Ending December 31, 2024"},{"label":"Revenue","value":"$8,300,000 to $8,400,000"},{"label":"Guidance","value":"initiated"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}