Oscar Health, Inc. (OSCR) Q2 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Star 1 again. Thank you. I will now turn the conference over to Chris Portachar, Vice President of Treasury and Investor Relations. Please go ahead. Good morning, everyone. Thank you for joining us for our second quarter 2025 earnings call. Mark Berlini, Oscar Hell's Chief Executive Officer, and Scott Blackley, Oscar's Chief Financial Officer, will host this morning's call. This call can also be accessed through our investor relations website at .hioscar.com. Full details of our results and additional management commentary are available in our earnings release, which can be found on our investor relations website at .hioscar.com. Any remarks that Oscar makes about the future constitute forward-looking statements within the meaning of safe harbor provisions under 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 annual report on Form 10-K for the period ended December 31, 2024, and the quarterly report on Form 10-Q for the period ended March 31, 2025, each is filed with the SEC, and other filings with the SEC, including our quarterly report on Form 10-Q for the quarterly period ended June 30, 2025, to be filed with the SEC. Such forward-looking statements are based on current expectations as of today. Oscar anticipates that subsequent events and developments may cause estimates to change. While the company may elect to update these forward-looking statements at some point in the future, we specifically disclaim any obligation to do so. The call will also refer to certain non-GAAP measures. A reconciliation of these measures to the most directly comparable GAAP measures can be found in the second qu...