Financial PerformanceOSCR lowered 2025 EBIT by $500mn from a gain of $225-275mn to a loss of $200-300mn due to updated Risk Adjustment Reports from Wakely that show higher morbidity nationwide.
Membership LossExpectations of disenrollment ranging from 20-50% of exchange membership, which will create a radically different risk pool.
Pricing StrategyThe pricing strategy for Oscar Health, Inc. does not appear adequate to produce stable margins in the current year.