Oscar
US health insurer with a proprietary healthcare technology platform.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- Oscar Health, Inc.
- Entity type
- COMPANY
- Founded
- 2012
- Headquarters
- 75 Varick Street, 5th Floor, New York, NY 10013
- Company size
- 1,001–5,000
- Market role
- Advertiser / Brand
- Ticker
- OSCR
- Official website
- hioscar.com
What Oscar does
Oscar operates a dual business model. The primary model is a regulated health insurance carrier that underwrites and administers health plans for US members, creating value through member acquisition, plan administration, care navigation and cost management. The secondary model is a B2B healthcare technology platform business that commercialises internal software and operational infrastructure to external healthcare organisations through +Oscar.
Category differentiation
Oscar is a US health insurer and healthcare technology company, not an advertising, media or martech platform. It should not be confused with unrelated companies or products using the name Oscar.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Oscar Health, Inc. is a publicly listed US health insurance company headquartered in New York. Its core business is selling health insurance coverage and related healthcare services, supported by a proprietary full-stack technology platform. The company serves individual members and also participates in employer and healthcare ecosystem relationships through its insurance and platform operations. Oscar generates the majority of revenue from insurance premiums at scale, with record membership of approximately 3.4 million and company guidance for more than $18 billion in 2026 revenue. In parallel, it operates +Oscar as a technology platform business for other healthcare organisations, which gives it a secondary B2B software and infrastructure angle beyond its direct insurance operations.
Company news briefing
Briefing updated:
Oscar Health has updated its corporate structure into three distinct business entities—Oscar Insurance, the Lucie retail marketplace, and Trove Group—alongside a major rebrand and expansion roadmap targeting 400 to 600 new counties by 2029. Building on this positioning at its Investor Day, the company raised its full-year 2026 earnings from operations guidance to between $600 million and $800 million, while highlighting ongoing strategic growth driven by its ACA leadership, CHOICE adoption, and Lucie platform integration.
Business model & monetisation
Oscar monetises primarily through health insurance premium revenue tied to member enrolment and plan administration. Secondary monetisation comes from technology platform revenue via +Oscar, which aligns with software and platform contracts sold to healthcare organisations. Its commercial model therefore blends large-scale recurring insurance revenue with B2B platform monetisation.
- Health insurance premiums
- Recurring insurance premium revenue
- +Oscar technology platform
- Software and platform contracts
- Related healthcare service and administration revenue
- Service fee / operational revenue
Products & capabilities
No products with linked sources are available in this view.
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
Oscar Health Rebrands to Humanize Healthcare with New Lucie Platform
Brand Marketing · Recorded impact score: 1/5
Oscar Health, a health insurance company, has announced a major rebranding initiative to make healthcare feel more human and consumer-centric. The company is now the parent brand for three distinct businesses: Oscar Insurance, focusing on individual coverage; Lucie, a new retail marketplace that streamlines insurance shopping; and Trove Group, a licensed health insurance agency. Additionally, Oscar plans to expand its individual and small business coverage to 400-600 new counties by 2029. The rebranding includes a refreshed Oscar brand and a new campaign, 'Made for Real Life,' which showcases the real, messy aspects of life. Oscar's CMO, Kristen Prestano, emphasized the goal of giving consumers more power and confidence in their healthcare decisions, positioning Lucie as a 'sidekick' tool for navigating the complex insurance market.
- Oscar Health announced a rebranding, becoming the parent brand for Oscar Insurance, Lucie, and Trove Group.
- Lucie is a new marketplace platform for comparing and assembling health insurance plans and add-ons.
Oscar Health is building the new consumer health economy
Recorded impact score: 4/5
At Investor Day, Oscar Health raised its 2026 earnings outlook and outlined how its ACA leadership, CHOICE adoption, Lucie and AI advantage will support durable, profitable growth.
8-K Financial Filing Analysis for Oscar (2026-09-16)
financials · Recorded impact score: 4/5
In conjunction with its 2026 Investor Day, Oscar Health, Inc. filed a Form 8-K updating and raising its full-year 2026 financial guidance. The company increased its expected Earnings from Operations by $100 million to a range of $600 million to $800 million (up from the prior guidance of $500 million to $700 million) and improved its targeted Medical Loss Ratio (MLR) by 50 basis points to between 81.0% and 82.0% (previously 81.5% to 82.5%). Oscar Health also reaffirmed its full-year 2026 total revenue outlook of $18.7 billion to $19.0 billion and its SG&A expense ratio guidance of 15.6% to 16.1%.
- Raised FY 2026 Earnings from Operations guidance by $100 million to $600M–$800M (previously $500M–$700M).
- Improved FY 2026 Medical Loss Ratio (MLR) guidance by 50 bps to a range of 81.0%–82.0% (previously 81.5%–82.5%).
Differences Between Transactional, Triggered, and Promotional Emails
Email & Newsletter · Recorded impact score: 2/5
This MarTech guide explains the distinctions between transactional, triggered (behavioral), and promotional emails, and why those differences matter for compliance, deliverability, customer experience, and revenue. Transactional emails complete a user-initiated action (password resets, order confirmations) and are typically sent regardless of marketing preferences; triggered emails are behaviorally timed follow-ups (abandoned cart, engagement summaries); promotional emails are commercial messages meant to drive revenue and must include easy unsubscribe options. The piece outlines best practices: separate sending reputation (IPs/subdomains) for email types, implement SPF/DKIM/DMARC, centralize ownership across teams, and prioritize building transactional flows first, then triggered, then promotional. Benchmarks and vendor data are cited showing higher open rates and revenue efficiency for transactional and triggered emails.
- Emails are classified into three types: transactional, triggered (behavioral), and promotional, each serving different jobs and rules.
- Transactional emails are sent in connection with a user action and are typically delivered regardless of marketing preferences (users can’t unsubscribe from necessary transactional messages).
Explore company relationships
Questions about Oscar
What is Oscar?
Oscar is a publicly listed US health insurance company that also operates a healthcare technology platform business.
Who uses Oscar?
Oscar serves US health insurance members directly and sells platform capabilities to healthcare organisations through +Oscar.
How does Oscar make money?
Oscar makes money primarily from health insurance premiums and secondarily from technology platform contracts and related services.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
10 publicly documented primary sources and citations linked across the market graph.
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