Welcome to our dedicated page for Oscar Health SEC filings (Ticker: OSCR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Oscar Health, Inc. (NYSE: OSCR) SEC filings page on Stock Titan brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, with AI-powered tools to help interpret complex documents. Oscar identifies itself in these filings as a healthcare technology company whose Class A common stock trades on the New York Stock Exchange under the symbol OSCR. Through its reports, investors can review how the company structures its health insurance operations, technology initiatives, and capital markets activities.
Oscar’s annual reports on Form 10-K and quarterly reports on Form 10-Q provide overviews of its Individual & Family health plans, health technology solutions under the +Oscar brand, risk factors, and detailed financial statements. These core filings typically include information on revenues, medical costs, selling, general, and administrative expenses, membership metrics, and key non-GAAP measures such as Adjusted EBITDA, along with management’s discussion of business drivers.
The company’s current reports on Form 8-K offer more targeted updates. Recent 8-K filings describe quarterly financial results, reaffirmed guidance, and capital structure actions such as the issuance of 2.25% Convertible Senior Subordinated Notes due 2030, related capped call transactions, and an exchange agreement involving 7.25% Convertible Senior Notes due 2031. Other 8-Ks detail amendments to investment agreements, the planned termination of a revolving credit facility in connection with a notes offering, and changes to executive employment agreements and compensation structures.
Investors can also use this page to access information on convertible debt terms, events of default, subordination provisions, and potential share dilution from note conversion, all of which are described in Oscar’s indentures and related exhibits. Stock Titan’s AI summaries help explain the implications of these filings, highlight key sections of lengthy documents, and surface important items such as changes in guidance, financing transactions, and governance-related disclosures. This makes it easier to understand how Oscar’s regulatory filings relate to its health insurance operations, technology platform, and long-term financial strategy.
Oscar Health, Inc. describes itself as a technology-focused health insurer centered on the Affordable Care Act individual market. The company reports approximately 2.0 million effectuated members as of December 31, 2025, with total membership of 2,042,449 compared with 1,676,970 a year earlier.
Membership is heavily concentrated in Florida with 1,179,934 members, followed by Texas at 358,910 and Georgia at 218,746. Oscar notes that about 93% of 2025 premiums came from CMS via advance premium tax credits, with 7% paid directly by members, underscoring its reliance on ACA subsidies.
The company highlights its proprietary full-stack technology platform, virtual care, and +Oscar Campaign Builder, which serves nearly 0.6 million client lives in addition to its insurance members. Oscar expanded into 20 states for 2026 and acquired Lucie, IHC Specialty Benefits, and Healthinsurance.org to support its ICHRA and consumer marketplace strategy.
As of June 30, 2025, the approximate value of Oscar’s Class A common stock held by non‑affiliates was $4.5 billion, based on a New York Stock Exchange closing price of $21.44 per share. Shares outstanding as of January 31, 2026 were 262,157 thousand Class A and 35,591 thousand Class B, and the company employed about 2,305 people.
Oscar Health, Inc. reported strong top-line growth but a sharp swing back to losses in 2025 and set an optimistic 2026 outlook, while adding a large new credit facility.
Full-year 2025 total revenue rose to $11.7 billion from $9.2 billion, driven by higher membership. However, the medical loss ratio worsened to 87.4% from 81.7%, and earnings from operations fell to a $396.4 million loss from $57.3 million of earnings. Net loss attributable to Oscar was $443.2 million versus net income of $25.4 million in 2024, and Adjusted EBITDA deteriorated to a $279.8 million loss from $199.2 million of positive Adjusted EBITDA.
Membership reached about 2.0 million as of December 31, 2025, with Individual and Small Group members rising to just over 2.0 million. For 2026, Oscar guides to total revenue of $18.7–$19.0 billion, a medical loss ratio of 82.4–83.4%, an SG&A ratio of 15.8–16.3%, and $250–$450 million of earnings from operations, implying a planned return to profitability. The company also entered into a new $475 million secured revolving credit facility, expandable by up to $100 million, maturing on February 6, 2029, with financial covenants tied to premiums, liquidity, leverage, and coverage ratios.
Oscar Health director Jeffery H. Boyd reported a new equity-based award tied to his board service. On January 8, 2026, he acquired 3,106 deferred stock units, each representing a right to receive one share of Oscar Health’s Class A common stock. The units were issued under the company’s Amended and Restated Deferred Compensation Plan for Directors, because he chose to receive stock units instead of cash retainer payments. The number of units was calculated using the Class A share closing price of $16.90 on that date. After this grant, Boyd beneficially owned 66,248 derivative securities in the form of deferred stock units, which will be settled in cash or shares, at the company’s discretion, upon termination of service, a change in control, death, or disability, and they are fully vested at grant.
Oscar Health director William Gassen received 1,220 deferred stock units on January 8, 2026, each representing one share of Oscar Health’s Class A common stock. These units were granted under the company’s Amended and Restated Deferred Compensation Plan for Directors, as Mr. Gassen elected to take deferred stock units instead of a cash retainer for his board service.
The units were valued using the Class A common stock closing price of $16.90 on January 8, 2026, which determined how many units were issued. After this grant, Mr. Gassen beneficially owns 4,969 deferred stock units on a direct basis. The units are fully vested at grant and will be settled, in Oscar Health’s discretion, in cash or shares of Class A common stock within 45 days after the earliest of his termination of service, a change in control, death, or disability.
Oscar Health, Inc. director David Plouffe reported an award of deferred stock units as part of his board compensation. On January 8, 2026, he received 1,257 deferred stock units, each representing the right to receive one share of Oscar Health’s Class A common stock. The award was valued using the closing stock price of $16.90 per share on that date, which was used to calculate how many units he received in lieu of a cash retainer.
After this grant, Plouffe beneficially owns 5,393 deferred stock units, held directly. These units are fully vested on the grant date and will be settled, at the company’s discretion, in cash or Class A shares within 45 days after the earliest of his termination of service, a change in control, death, or disability.
Oscar Health, Inc. director and President of Technology & CTO Mario Schlosser reported a planned share sale. On January 8, 2026, he converted 23,038 shares of Class B common stock into 23,038 shares of Class A common stock at an exercise price of $0.00, then sold 23,038 Class A shares at $17.65 per share. The filing notes that the transaction was carried out under a Rule 10b5-1 trading plan adopted on September 23, 2025, which is a pre-arranged program for selling shares.
After these transactions, Schlosser directly owned 350,180 shares of Class A common stock. In addition, Class B shares held by three dynasty trusts associated with him represent 333,333, 633,333, and 333,333 shares of Class A common stock on a one-to-one conversion basis, and he disclaims beneficial ownership of those trust-held shares except to the extent of any pecuniary interest.
Oscar Health President of Technology & CTO Mario Schlosser reported converting and selling shares of the company’s stock. On January 6, 2026, he converted 76,962 shares of Class B common stock into 76,962 shares of Class A common stock and then sold 76,962 Class A shares at a weighted average price of $17.01, with individual sale prices ranging from $17.00 to $17.05. The transaction was effected under a Rule 10b5-1 trading plan adopted on September 23, 2025.
Following these transactions, Schlosser directly holds 350,180 shares of Class A common stock and 1,455,331 shares of Class B common stock. Additional Class B shares are held indirectly through three dynasty trusts in amounts of 333,333, 633,333, and 333,333 shares, each convertible into an equal number of Class A shares. Schlosser disclaims beneficial ownership of the trust-held shares except to the extent of any pecuniary interest.
A shareholder has filed a Rule 144 notice to sell up to 100,000 shares of common stock through broker Morgan Stanley Smith Barney LLC, with an aggregate market value of $1,657,000.00. The filing states that 229,010,000 shares of this class are outstanding, providing context for the size of the planned sale. The shares to be sold were acquired on 11/16/2023 by exercising stock options and were paid for in cash.
The notice also lists recent activity over the prior three months, including several Rule 10b5-1 sales. These range from 38,835 shares sold on 12/24/2025 for gross proceeds of $582,528.88 to 286,182 shares sold on 11/11/2025 for $4,369,999.14. By signing, the seller represents that they are not aware of undisclosed material adverse information about the issuer’s operations.
Oscar Health insider activity: A director and President of Technology & CTO of Oscar Health, Inc. reported pre-planned trades in Class A common stock under a Rule 10b5-1 trading plan adopted on September 23, 2025. On January 2, 2026, he converted 59,800 shares of Class B common stock into Class A stock and then sold 137,933 Class A shares at a weighted average price of $15.02. On January 5, 2026, he converted an additional 86,893 Class B shares into Class A stock and sold 96,928 Class A shares at a weighted average price of $15.64. After these transactions, he directly beneficially owned 350,180 shares of Class A common stock and continued to hold additional economic interests through convertible Class B shares and family trusts as described. The filing notes that Class B shares are convertible one-for-one into Class A and will mandatorily convert after a specified period or upon certain events.
A major shareholder has filed a notice to sell common stock under Rule 144. The filing covers a proposed sale of 216,396 common shares through Morgan Stanley Smith Barney on the NYSE, with an aggregate market value of $3,109,610.52 and 229,010,000 common shares outstanding. The shares come from restricted stock units acquired on 08/18/2021 and previously exercised options from 06/16/2019. Over the prior three months, Mario Schlosser reported several sales of common stock, including 286,182 shares on 11/11/2025 for gross proceeds of $4,369,999.14 and 105,300 shares on 11/12/2025 for $1,584,765.00, all listed as part of his trading activity.
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