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VizualStocks APIOperating KPI and segment definitions available for Oscar Health (OSCR) through the VizualStocks API.
Premiums Oscar assumes under its reinsurance arrangement for the former Cigna+Oscar small-group plans. The partnership ended in 2024, but transition and run-off adjustments can continue through 2026 and may produce small positive or negative amounts.
assumedPremiumsEarnedEffectuated members in the former Cigna+Oscar co-branded small-group health plans. Oscar did not renew the arrangement after December 31, 2024, so later disclosures use a dash rather than reporting zero members.
cignaOscarMembersSubtotal of premiums earned directly on Oscar health plans plus premiums assumed from the former Cigna+Oscar reinsurance arrangement. It is measured before federal risk-adjustment transfers and before premiums ceded to reinsurers.
directAndAssumedPremiumsEarnedPremiums earned on Oscar's directly written health plans, including amounts paid by members and Affordable Care Act subsidies from CMS. Oscar recognizes a fixed amount per member per month while coverage is provided, net of subsidies expected to be refunded.
directPolicyPremiumsEarnedEffectuated members in Oscar's Individual market plans, including members enrolled through Individual Coverage Health Reimbursement Arrangements; historical periods also include Oscar small-group plans. Effectuated means actively enrolled with the required premium paid or still within the payment grace period.
individualAndSmallGroupMembersOscar's medical expenses divided by net premiums before ceded quota-share reinsurance, with federal risk-adjustment transfers included in the premium denominator. The ratio shows how much premium is consumed by members' healthcare costs, so a lower value generally leaves more to cover administration and profit.
medicalLossRatioAdjustment to Oscar premium revenue for federal risk-adjustment transfers and related corridor items. Plans whose members are estimated to be healthier than their state market generally pay into the CMS pool, producing a negative amount for Oscar, while higher-risk plans may receive funds.
netRiskAdjustmentAndCorridorPremiumsEarnedOscar's direct and assumed premiums after risk-adjustment and corridor transfers but before subtracting premiums paid to reinsurers. This subtotal is the pre-ceding step in the reconciliation to net premium revenue.
premiumsBeforeCededReinsurancePremiums Oscar pays to reinsurers to transfer part of its health-claim risk under excess-of-loss and run-off quota-share arrangements. The amount appears as a negative adjustment in the premium reconciliation because it reduces premium retained by Oscar.
reinsurancePremiumsCededTotal effectuated members across Oscar's health-plan offerings at period end, counting a person covered by more than one Oscar plan only once. Effectuated members are actively enrolled and have paid required premiums or remain within the payment grace period.
totalMembersOscar premium revenue after combining direct and assumed premiums, applying federal risk-adjustment transfers and subtracting premiums ceded to reinsurers. It is the premium line retained in revenue, before adding investment income and other non-premium revenue.
totalNetPremiumsEarned