{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-25-000018","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.383173+00:00","generated_at":"2026-05-18T04:17:24.578796+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Oscar Health expects Q2 operating loss ~$230M; cuts FY2025 guidance on higher ACA risk scores","bullets":["Q2 expects loss from operations of ~$230M and net loss of ~$228M.","FY2025 guidance revised: Total Revenue $12.0B-$12.2B, MLR 86-87%, Operating loss ($300M)-($200M).","Cost trends moderated vs Q1 but utilization remains elevated; plans 2026 rate resubmissions covering ~98% of membership.","2024 risk adjustment results $23M favorable to prior accruals.","Adjusted EBITDA expected to be ~$120M better than operating loss."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-25-000018","json":"https://secwatch.observer/filing/0001568651-25-000018.json","markdown":"https://secwatch.observer/filing/0001568651-25-000018.md","text":"https://secwatch.observer/filing/0001568651-25-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865125000018/0001568651-25-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865125000018/oscr-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:17:24.578796+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}