{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-26-000066","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2026-08-06T10:08:21+00:00","discovered_at":"2026-08-06T10:10:00.467233+00:00","generated_at":"2026-08-06T10:10:46.927484+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Oscar Health Q2 net income $361.8M vs loss $228.4M; raises FY 2026 guidance","bullets":["Q2 2026 total revenue $4.88B, up 70% YoY; net income $361.8M ($1.10 diluted EPS) vs net loss $228.4M ($0.89 loss) in Q2 2025.","Medical loss ratio improved to 79.2% from 91.1%; SG&A expense ratio improved to 14.2% from 18.7%.","Effectuated membership grew 46% YoY to 2.96M members.","Full-year 2026 earnings from operations guidance raised to $500M-$700M (from $250M-$450M); MLR guidance improved to 81.5%-82.5%.","Adjusted EBITDA $415.3M in Q2 2026 vs loss $199.4M in Q2 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-26-000066","json":"https://secwatch.observer/filing/0001568651-26-000066.json","markdown":"https://secwatch.observer/filing/0001568651-26-000066.md","text":"https://secwatch.observer/filing/0001568651-26-000066.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865126000066/0001568651-26-000066-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865126000066/oscr-20260806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-06T10:10:46.927484+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"}