Here are the 10-K annual reports from Oscar Health, Inc. (OSCR) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow OSCR and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OSCR filings page.
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.