Oscar Health, Inc. (OSCR) Analyst/Investor Day Transcript

Oscar Health, Inc. ( OSCR ) Analyst/Investor Day September 16, 2026 9:00 AM EDT

Company Participants Chris Potochar - Vice President of Treasury & Investor Relations Mark Bertolini - CEO & Director Richard Blackley - Chief Financial Officer Janet Liang - EVP & President of Oscar Insurance Mario Schlosser - Co-Founder, Advisor to the CEO & Director

Conference Call Participants Andrew Mok - Barclays Bank PLC, Research Division Stephen Baxter - Wells Fargo Securities, LLC, Research Division Hua Ha - Robert W. Baird & Co. Incorporated, Research Division Kevin Fischbeck - BofA Securities, Research Division Sarah Conrad - Goldman Sachs Group, Inc., Research Division Jessica Tassan - Piper Sandler & Co., Research Division Jonathan Yong - UBS Investment Bank, Research Division David Windley - Jefferies LLC, Research Division Lance Wilkes - Bernstein Institutional Services LLC, Research Division

Presentation Operator Welcome to Oscar Health's 2026 Investor Day. Please welcome Chris Potochar, Treasurer and Head of Investor Relations to the stage.

Chris Potochar Vice President of Treasury & Investor Relations Good morning. Welcome to Oscar Health's 2026 Investor Day. It is great to see so many of you. I know it's conference season. So thank you for joining us this morning. We appreciate you taking the time. I'd also like to welcome everyone that's joining from the webcast this morning as well. Thank you for joining. For your reference, all the materials that we will present today will be available a little bit later this morning, and you can find that on our Investor Relations website at ir.oscarhealth.com.

As a reminder, any remarks Oscar makes about the future constitute forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those indicated by those forward-looking statements as a result of various important factors, including those discussed in our most recent annual report on