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

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WEBVTT 00:00:00.925 -- 00:00:05.333 Good morning. My name is Jeannie and I will be your conference operator today. 00:00:05.333 -- 00:00:09.580 At this time, I would like to welcome everyone to Osprey Health's fourth quarter and 00:00:09.580 -- 00:00:14.849 full year 2025 earnings conference call. All lines have been placed on mute 00:00:14.849 -- 00:00:19.517 to prevent any background noise. After the speaker's remarks, there will be a question 00:00:19.517 -- 00:00:25.141 and answer session. Today, we ask you to limit yourself to one question and one follow-up. 00:00:25.141 -- 00:00:29.226 If you would like to ask a question during this time, simply press star followed by the 00:00:29.226 -- 00:00:34.072 number one on your telephone keypad. If you'd like to withdraw your question, press star 00:00:34.072 -- 00:00:39.620 one again. Thank you. I will now turn the call over to Chris Podachar, 00:00:39.620 -- 00:00:43.662 Vice President of Treasury and Investor Relations. 00:00:43.685 -- 00:00:47.830 Good morning, everyone. Thank you for joining us for our fourth quarter and full year 00:00:47.830 -- 00:00:52.843 2025 earnings call. Mark Berlini, Oscar Hell's Chief Executive Officer, 00:00:52.843 -- 00:00:57.512 and Scott Blackley, Oscar Hell's Chief Financial Officer, will host this morning's call. 00:00:57.512 -- 00:01:03.119 This call can also be accessed through our investor relations website at ir.highoscar.com. 00:01:03.824 -- 00:01:08.051 Full details of our results and additional management commentary are available in our 00:01:08.051 -- 00:01:14.019 earnings release, which can be found on our investor relations website at ir.highoscar.com. 00:01:14.635 -- 00:01:18.840 Any remarks that Oscar makes about the future constitute forward-looking statements within 00...