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Oscar Health (OSCR) investor relations material
Oscar Health 7th Annual Healthcare Symposium summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.7th Annual Healthcare Symposium summary14 Nov, 2025
Key industry challenges and consumer empowerment
U.S. healthcare spending continues to rise despite two decades of consumerism efforts, driven by medical technology costs, aging, and chronic diseases.
Consumer incentives like HSAs and price transparency have not fully offset systemic cost drivers.
Complexity and lack of true shopping experiences hinder consumer engagement and cost reduction.
High-deductible plans increase consumer cost-sharing but often add complexity without reducing baseline costs.
Policy and regulatory impacts
Federal policies have increased price transparency and surprise billing protections, but data silos and usability remain barriers.
Drug pricing reforms are pushing for global cost-sharing and more aggressive negotiations with manufacturers.
Industry collaboration is needed to simplify choices and build consumer trust in recommendations.
Technology and AI-driven innovation
Generative AI and digital tools are improving consumer experiences, from claims processing to personalized care navigation.
AI-powered chatbots and apps are being deployed to guide members in real time, answer care questions, and recommend providers or drugs.
AI is also used in benefit selection, HSA planning, and emotional support, with a focus on agentic AI for navigation and transparency.
What systemic barriers hinder consumer-driven cost cuts?
What are AI's limits in consumer health decisions?
How would ICHRA impact market competition & costs?
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Next Oscar Health earnings date
Q4 20256 Feb, 2026
Next Oscar Health earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
Oscar Health, Inc. provides health insurance products and services in the United States. The company offers individual and family plans, as well as plans for small businesses; and a health plan for seniors. It also operates as a physician-focused technology-driven insurance provider that uses an evidence-based approach to health care. The company was founded in 2012 and is based in New York, New York.
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