{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-25-000021","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.383317+00:00","generated_at":"2026-05-17T19:26:52.258052+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Oscar Health Q2 net loss $228.4M, MLR 91.1% vs 79.0% YoY; revenue up 29%","bullets":["Total revenue: $2.86B, up 29% YoY from $2.22B on higher membership, partly offset by risk adjustment accrual.","Medical loss ratio worsened to 91.1% from 79.0%, driven by higher market morbidity and net risk adjustment accrual.","Net loss attributable to Oscar of $228.4M ($0.89 per diluted share) vs net income of $56.2M ($0.20) in Q2 2024.","Adjusted EBITDA loss $199.4M, compared to positive $104.1M a year ago; SG&A ratio improved to 18.7% from 19.6%.","Reaffirmed full-year 2025 outlook; membership grew 28% to 2.03M; Cigna+Oscar members fell from 58k to 10k."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-25-000021","json":"https://secwatch.observer/filing/0001568651-25-000021.json","markdown":"https://secwatch.observer/filing/0001568651-25-000021.md","text":"https://secwatch.observer/filing/0001568651-25-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865125000021/0001568651-25-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865125000021/oscr-20250806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:26:52.258052+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"}