This segment focuses on providing health insurance plans directly to individuals and families. Oscar Health offers a range of plans with varying coverage levels and pricing options, designed to meet the diverse needs of individual consumers. The company leverages its technology platform to streamline the enrollment process, provide personalized care recommendations, and offer 24/7 virtual care. Research and development efforts in this segment are focused on improving member experience, optimizing plan design, and enhancing the efficiency of care delivery through AI-powered tools and data analytics. The patient impact is significant, as these plans provide access to essential healthcare services, including primary care, specialist visits, and hospitalizations. Market positioning is centered on offering a tech-forward, consumer-centric alternative to traditional insurance providers. Future opportunities include expanding into new geographic markets and developing innovative plan features to attract and retain members. Regulatory compliance is crucial, and Oscar Health adheres to all state and federal regulations governing health insurance.

Oscar Health offers health insurance plans tailored for small businesses and their employees. This segment provides comprehensive coverage options, including medical, dental, and vision benefits, designed to meet the needs of small business owners and their teams. The company's technology platform simplifies plan administration, enrollment, and claims processing, reducing the administrative burden for employers. Research and development activities focus on developing tools to help small businesses manage their healthcare costs, improve employee health outcomes, and enhance the overall employee experience. The patient impact is substantial, as these plans provide access to quality healthcare services for employees of small businesses, contributing to their overall well-being and productivity. Market positioning emphasizes providing a user-friendly, technology-driven solution for small businesses seeking affordable and accessible health insurance options. Future opportunities include expanding the range of plan offerings, integrating with other HR and benefits platforms, and developing value-added services to support small business owners. Regulatory compliance is a key consideration, and Oscar Health ensures that its small group plans meet all applicable state and federal regulations.

Oscar Health provides Medicare Advantage plans, offering comprehensive healthcare coverage to eligible seniors. These plans combine the benefits of Medicare Parts A and B with additional benefits such as prescription drug coverage (Part D), dental, vision, and hearing services. Oscar Health leverages its technology platform to provide a seamless member experience, including easy access to care, personalized health recommendations, and 24/7 virtual care. Research and development efforts focus on developing innovative care models, improving care coordination, and leveraging data analytics to enhance health outcomes for Medicare Advantage members. The patient impact is significant, as these plans provide access to affordable and comprehensive healthcare services for seniors, improving their quality of life and promoting healthy aging. Market positioning emphasizes offering a tech-enabled, member-centric approach to Medicare Advantage, differentiating itself from traditional plans. Future opportunities include expanding into new geographic markets, developing specialized plans for specific health conditions, and integrating with other healthcare providers to improve care coordination. Regulatory compliance is paramount, and Oscar Health adheres to all CMS (Centers for Medicare & Medicaid Services) regulations governing Medicare Advantage plans.

+Oscar is a technology platform designed to help providers and payor clients engage with members and patients. This platform offers a suite of tools and services, including care management, population health analytics, and member engagement solutions. Research and development activities focus on enhancing the platform's capabilities, integrating with other healthcare systems, and developing new features to improve care coordination and patient outcomes. The platform utilizes AI and machine learning to personalize member experiences and provide actionable insights to providers. The patient impact is significant, as +Oscar helps improve care coordination, reduce administrative burdens, and enhance patient engagement, leading to better health outcomes. Market positioning is focused on providing a comprehensive technology solution for healthcare providers and payors seeking to improve their operations and patient care. Future opportunities include expanding the platform's capabilities, integrating with more healthcare systems, and developing new partnerships with providers and payors. Regulatory compliance is a key consideration, and +Oscar adheres to all applicable data privacy and security regulations.