---
schema_version: "secwatch.filing_event.v1"
accession: "0001568651-24-000029"
form_type: "8-K"
ticker: "OSCR"
cik: "0001568651"
company_name: "Oscar Health, Inc."
filed_at: "2024-11-07T23:59:59+00:00"
generated_at: "2026-05-30T03:33:16.519275+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Oscar Health Q3 revenue $2.4B (+68% YoY); narrows loss; raises FY revenue guidance

## Summary
- Total revenue $2.4B, +68% YoY; net loss $54.6M ($0.22 EPS) improved $10.8M YoY.
- Membership grew to 1.65M from 983k YoY, driven by Individual and Small Group (1.60M).
- Adjusted EBITDA loss $11.6M, improved $8.7M YoY; SG&A expense ratio improved to 19.0% from 22.6%.
- FY2024 revenue guidance raised to $9.2-9.3B; expects net income profitability this year.
- Medical Loss Ratio 84.6%, up 80bps YoY due to higher medical costs and risk adjustment.

## SEC filing metadata
- accession: 0001568651-24-000029
- form_type: 8-K
- ticker: OSCR
- cik: 0001568651
- company_name: Oscar Health, Inc.
- filed_at: 2024-11-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1568651/000156865124000029/0001568651-24-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1568651/000156865124000029/oscr-20241107.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001568651-24-000029
- JSON: https://secwatch.observer/filing/0001568651-24-000029.json
- Plain text: https://secwatch.observer/filing/0001568651-24-000029.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.