Oscar Health, Inc. Overview
Pro stress-test →Oscar Health is a health insurance company that provides various insurance plans for individuals, families, and employees. The company leverages technology to drive operational efficiency and profitability in a challenging health insurance environment. Full-year 2025 total revenue rose to $11.7 billion from $9.2 billion, driven by higher membership.
Strategic Profile
Pro stress-test →Oscar Health targets profitability in 2026 driven by record membership growth, improved margins, disciplined cost management, and AI-driven operational efficiencies. Oscar's market share across its footprint increased from 17% in 2025 to 30% in 2026. The company emphasized plan design and distribution efforts ahead of the enhanced premium tax credit expiration, including the creation of new Bronze and Gold plans and a 60% expansion in broker partnerships.
Competitive Landscape
Pro stress-test →Despite industry headwinds, OSCR's individual member retention remains strong, supporting optimism for revenue growth and market share gains. Within its footprint, market share surged from 17% in 2025 to 30% in 2026, signaling strong competitive positioning even as the overall ACA market shrinks. Oscar competes with established insurers including UnitedHealth, Anthem, and Aetna in the individual ACA and small group markets.
Industry Context
Oscar Health, Inc. operates in Health Insurance.
Key facts
Founded: 2012 · Headquarters: New York, US · Revenue: $11.7B