{"schema_version":"secwatch.filing_event.v1","accession":"0001568651-26-000074","form_type":"8-K","ticker":"OSCR","cik":"0001568651","company_name":"Oscar Health, Inc.","filed_at":"2026-09-16T10:02:42+00:00","discovered_at":"2026-09-16T10:05:00.431974+00:00","generated_at":"2026-09-16T10:05:32.757711+00:00","sec_items":["7.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Oscar Health raises FY 2026 EBITDA guidance by $100M, improves MLR outlook by 50 bps","bullets":["FY 2026 earnings from operations guidance raised to $600M-$800M from $500M-$700M, up $100M.","FY 2026 medical loss ratio narrowed to 81.0%-82.0% from 81.5%-82.5%, a 50 bps improvement.","Total revenue reaffirmed at $18.7B-$19.0B; SG&A expense ratio reaffirmed at 15.6%-16.1%.","Guidance issued at Sept 16, 2026 Investor Day; webcast archived on IR site for 90 days."],"urls":{"canonical":"https://secwatch.observer/filing/0001568651-26-000074","json":"https://secwatch.observer/filing/0001568651-26-000074.json","markdown":"https://secwatch.observer/filing/0001568651-26-000074.md","text":"https://secwatch.observer/filing/0001568651-26-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1568651/000156865126000074/0001568651-26-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1568651/000156865126000074/oscr-20260916.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-16T10:05:32.757711+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"}