Oscar Health, Inc. (OSCR) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.977 Good morning. My name is Dustin, and I will be your conference operator today. 00:00:04.977 -- 00:00:10.283 At this time, I would like to welcome everyone to Oscar Health's 00:00:10.283 -- 00:00:14.368 third quarter 2025 earnings conference call. 00:00:14.368 -- 00:00:19.054 And if you'd like to ask a question, please press star and the number one on your telephone 00:00:19.054 -- 00:00:23.860 keypad. And if you'd like to withdraw your question or your question has been answered, 00:00:23.860 -- 00:00:29.255 please press star one again. Thank you. I will now turn the conference over to 00:00:29.255 -- 00:00:33.502 Chris Poitier, Vice President of Treasury and Investor Relations. 00:00:33.502 -- 00:00:35.826 Please go ahead, sir. 00:00:35.826 -- 00:00:39.993 Good morning, everyone. Thank you for joining us for our third quarter 2025 earnings 00:00:39.993 -- 00:00:45.081 call. Mark Berlini, Oscar Health's Chief Executive Officer, and Scott Blackley, Oscar's 00:00:45.081 -- 00:00:48.627 Chief Financial Officer, will host this morning's call. 00:00:48.627 -- 00:00:54.012 This call can also be accessed through our Investor Relations website at ir.highoscar.com. 00:00:54.301 -- 00:00:58.367 Full details of our results and additional management commentary are available in our 00:00:58.367 -- 00:01:04.353 earnings release, which can be found on our investor relations website at ir.hioscar.com. 00:01:05.077 -- 00:01:09.283 Any remarks that OSCAR makes about the future constitute forward-looking statements within 00:01:09.283 -- 00:01:13.008 the meaning of the safe harbor provisions under the Private Securities Litigation Reform 00:01:13.008 -- 00:01:14.971 Act of 1995. 00:01:14.971 -- 00:01:19.337 Actual results may differ materially from t...