Oscar Health, Inc. (OSCR) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. My name is Jeannie and I will be your conference operator today. At this time, I would like to welcome everyone to Osprey Health's fourth quarter and full year 2025 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. Today, we ask you to limit yourself to one question and one follow-up. If you would like to ask a question during this time, simply press star followed by the number one on your telephone keypad. If you'd like to withdraw your question, press star one again. Thank you. I will now turn the call over to Chris Podachar, Vice President of Treasury and Investor Relations. Good morning, everyone. Thank you for joining us for our fourth quarter and full year 2025 earnings call. Mark Berlini, Oscar Hell's Chief Executive Officer, and Scott Blackley, Oscar Hell'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.highoscar.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 quarterly report on Form 10-Q for the period ended September 30, 2025, filed with the Securities and Exchange Commission, and other filings with the SEC, including our annual report on Form 10-K for the per...