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

Investor webinar replay

Replay transcript excerpt

Good morning. My name is Dustin, and I will be your conference operator today. At this time, I would like to welcome everyone to Oscar Health's third quarter 2025 earnings conference call. And if you'd like to ask a question, please press star and the number one on your telephone keypad. And if you'd like to withdraw your question or your question has been answered, please press star one again. Thank you. I will now turn the conference over to Chris Poitier, Vice President of Treasury and Investor Relations. Please go ahead, sir. Good morning, everyone. Thank you for joining us for our third quarter 2025 earnings call. Mark Berlini, Oscar Health'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 ir.highoscar.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 ir.hioscar.com. Any remarks that OSCAR makes about the future constitute forward-looking statements within the meaning of the 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 June 30, 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 September 30, 2025, to be filed with the SEC. Such forward-looking statements are based on current expectations as of today. Os...