"Oscar offers some of the most competitive plans in the ACA market."
This is true, and I think (at least recently) they have also underpriced their risk (hence the increase in MLR).
OTOH because of their relatively lower cost platform (tech enabled) when they can get consistent underwriting (low and stable MLR) then their low SG&A should enhance their profitability.
It'll be interesting to see if their churn increases moving forward as well.
I have no position although I'm keen to see their Feb 2026 report!
What’s yr thoughts on UNH？I have UNH and OSCR in my portfolio 🙏🏻
My thoughts on UNH:
https://open.substack.com/pub/fjresearch/p/the-problem-with-unitedhealth-group?r=5fdf2w&utm_medium=ios&shareImageVariant=overlay
Beyond that, UNH is about managing the status quo.
Oscar Health is about exponential growth.
Oscar is the speedboat full of hungry pirates stealing treasure from the giant ships.
UNH is the giant ship built to protect what it already owns.
Agree. That’s why I’m owning both in my profolio. UNH got hammered hard last night though🥲
"Oscar offers some of the most competitive plans in the ACA market."
This is true, and I think (at least recently) they have also underpriced their risk (hence the increase in MLR).
OTOH because of their relatively lower cost platform (tech enabled) when they can get consistent underwriting (low and stable MLR) then their low SG&A should enhance their profitability.
It'll be interesting to see if their churn increases moving forward as well.
I have no position although I'm keen to see their Feb 2026 report!
Thanks for sharing your thoughts :)