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Oscar Health
Tech-native health insurer
Health insurtech & benefits
Oscar Health is a technology-driven US health insurer that sells ACA marketplace, small-group and employer-sponsored plans through its own digital member platform.
The read
Oscar Health builds and sells its own health insurance plans, primarily individual and family ACA marketplace policies and small-group plans, wrapped in a member-facing app, telehealth access and a proprietary technology platform it also licenses to other payers under the +Oscar brand. In Q1 2026 the company reported roughly 3.17 million members and about $4.6bn in quarterly revenue, both up more than 50% year on year, with net income of $679m as its medical loss ratio improved to 70.5%.
In June 2026 co-founder Mario Schlosser moved from President into a Co-Founder & Advisor to the CEO role, with Mark Bertolini, CEO since 2023, remaining at the helm; the same period saw a roughly $410m convertible debt raise earmarked for AI investment and a new employer-sponsored plan partnership with Hy-Vee.
The Bridgehead view
Oscar's growth has come almost entirely from doubling down on ACA marketplace individual plans just as federal subsidy policy remains a live political risk, making its model more exposed to Washington than most "tech-native" insurer pitches let on.
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