---
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"
generated_at: "2026-09-16T10:05:32.757711+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Oscar Health raises FY 2026 EBITDA guidance by $100M, improves MLR outlook by 50 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001568651-26-000074
- JSON: https://secwatch.observer/filing/0001568651-26-000074.json
- Plain text: https://secwatch.observer/filing/0001568651-26-000074.txt

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