Oscar Health Inc. Faces Decline Amid Broader Market Weakness
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 09 2025
0mins
Should l Buy OSCR?
Source: NASDAQ.COM
Oscar Health Inc. experienced a decline of 5.01% during regular trading, hitting a 5-day low as the stock closed at $17.14 per share.
This drop comes amid broader market weakness, with the Nasdaq-100 down 1.25% and the S&P 500 down 0.71%. Despite recent positive news regarding ACA subsidy extensions and analyst upgrades, the overall market conditions have negatively impacted Oscar Health's stock performance.
Investors are closely monitoring the company's enrollment figures and market strategies, as the health insurance sector faces challenges from rising premiums and competitive pressures. The recent decline may prompt Oscar Health to reassess its approach to maintain growth and profitability.
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Analyst Views on OSCR
Wall Street analysts forecast OSCR stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OSCR is 17.04 USD with a low forecast of 11.00 USD and a high forecast of 25.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Analyst Rating
1 Buy
4 Hold
2 Sell
Hold
Current: 12.240
Low
11.00
Averages
17.04
High
25.00
Current: 12.240
Low
11.00
Averages
17.04
High
25.00
About OSCR
Oscar Health, Inc. is a healthcare technology company built around a full stack technology platform. The Company's offerings include its insurance business and +Oscar Platform. Its health plans are offered in the individual market. The individual market primarily consists of policies purchased by individuals and families through health insurance marketplaces, established by the ACA and operated by the federal government, as well as other marketplaces operated by individual states. Individuals and families may also purchase policies in the individual market off-exchange. Employees whose employers have chosen to offer an Individual Coverage Health Reimbursement Arrangement (ICHRA) are also able to purchase its health plans. It offers health plans in the individual market under the five metal plan categories defined by the ACA: Catastrophic, Bronze, Silver, Gold, and Platinum. Through the +Oscar platform, the Company deploys its technology to help others throughout the healthcare system.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Oscar Health to Announce Q4 Earnings on February 10
- Earnings Announcement: Oscar Health is set to release its Q4 earnings on February 10 before the market opens, with a consensus EPS estimate of -$0.92 and a revenue estimate of $3.12 billion, reflecting a 30.5% year-over-year growth, which could significantly impact the company's stock performance.
- Performance Expectations: Over the past year, Oscar Health has beaten EPS estimates 75% of the time, while only achieving 25% for revenue estimates, indicating considerable volatility in profitability that may affect investor confidence moving forward.
- Estimate Revision Trends: In the last three months, EPS estimates have seen five upward revisions and two downward, while revenue estimates have experienced seven upward revisions with none downward, suggesting a growing market confidence in Oscar Health's future growth potential, which could attract more investor interest.
- Market Environment Impact: With the increase in Obamacare enrollment, Oscar Health faces a dilemma of high growth and high risk; while the company has potential for market share expansion, it must navigate the uncertainties brought about by policy changes.
See More
Key Earnings Reports and Economic Outlook This Week
- DuPont Earnings Expectations: DuPont is expected to report earnings of $0.43 per share and revenue of $1.69 billion for Q4 2025, with analysts noting ongoing pressure in short-cycle businesses, while slight improvements in the automotive sector may influence investor sentiment.
- Cisco's AI Focus: Cisco anticipates earnings of $1.02 per share and revenue of $15.1 billion for Q2 FY2026, with CEO highlighting a major multi-year campus networking refresh, making AI infrastructure demand a critical growth driver.
- Importance of Employment Report: The January employment report is expected to show an addition of 80,000 nonfarm payrolls and an unchanged unemployment rate of 4.4%, directly impacting private consumption and U.S. GDP, making it crucial for investors to monitor.
- Consumer Price Index Insights: The January CPI is projected to increase by 2.5% year-over-year, with core CPI rising by 2.6%, providing essential inflation details despite not being the Fed's preferred measure, particularly regarding persistent shelter cost inflation.
See More
Oscar Health: AI-Driven Innovation in Health Insurance
- Market Share Growth: Oscar Health's paying member count surged from 200,000 in 2019 to 2 million, demonstrating robust growth in the individual market, with expectations for this trend to continue, further solidifying its market position.
- Tech-Driven Insurance Platform: By offering complimentary telehealth services and cloud-based software, Oscar Health enhances customer satisfaction and reduces costs, which is expected to become a standard feature in health insurance by 2026, strengthening its competitive edge.
- Price Adjustments to Address Challenges: In response to rising healthcare costs in 2025, Oscar Health has raised its insurance plan prices by 28%, aiming to restore profitability; while facing potential customer loss in the short term, the long-term outlook remains optimistic.
- Revenue Expectations and Market Valuation: Oscar Health anticipates generating $12 billion in revenue this year against a market cap of under $4 billion, making the current valuation attractive for long-term investors if the company can successfully adjust pricing and return to profitability.
See More
Oscar Health Faces Short-Term Challenges but Long-Term Potential Remains
- Market Share Growth: Oscar Health's paying members surged from 200,000 in 2019 to 2 million, indicating robust growth in the individual health insurance market despite facing short-term pressures from rising healthcare costs.
- Tech-Driven Innovation: The company has launched an AI chatbot named Oswell, powered by OpenAI, aimed at helping members manage their healthcare information more efficiently, thereby enhancing customer satisfaction and reducing operational costs.
- Pricing Adjustment Strategy: Oscar Health plans to raise insurance plan prices by 28% in 2026 to address profitability pressures stemming from rising healthcare costs and the expiration of subsidies, with expectations that this strategy will help restore profitability.
- Revenue Expectations: Although currently unprofitable, Oscar Health anticipates generating $12 billion in revenue this year against a market cap of under $4 billion, suggesting that the current stock price may be undervalued, presenting an attractive opportunity for long-term investors.
See More
Oscar Health: AI-Driven Innovation in Health Insurance
- Market Share Growth: Oscar Health's paying members have surged from 200,000 in 2019 to 2 million, indicating robust growth in the individual health insurance market, a trend expected to continue, thereby enhancing its competitive position.
- Tech-Driven Insurance Platform: By offering complimentary telehealth services and cloud-based software, Oscar Health is improving customer satisfaction and reducing costs, which is anticipated to become a standard feature in health insurance by 2026, further solidifying its market presence.
- Price Adjustments to Address Rising Costs: In response to healthcare costs exceeding projections in 2025, Oscar Health has raised its insurance plan prices by 28%, aiming to restore profitability; while facing short-term customer attrition risks, the long-term outlook remains optimistic.
- Application of AI Tools: Oscar Health has launched the AI chatbot Oswell, powered by OpenAI, to assist members in efficiently managing their healthcare information, which is expected to further enhance user experience and drive business growth.
See More
Oscar Health Shares Decline Amid Medicare Update
- Medicare Impact: The Trump administration's proposed 2027 Medicare Advantage payment changes result in a mere 0.09% average increase, drastically below Wall Street's 4%-6% expectations, putting Oscar Health under pressure to manage rising medical costs effectively.
- Industry Leader's Earnings Drag: UnitedHealth Group reported a medical care ratio near 92% for Q4, up 340 basis points year-over-year, indicating higher-than-expected medical utilization, which amplifies concerns about Oscar Health's cost trends.
- Stock Trend Analysis: Oscar Health's shares are currently trading 6.8% below their 20-day simple moving average and 14.2% below their 100-day average, indicating a bearish trend in the short term, with a 12-month decline of 7.88% reflecting ongoing market struggles.
- Future Earnings Outlook: Investors anticipate a loss of 89 cents per share in the upcoming earnings report on February 10, with revenue estimates at $3.16 billion, indicating growth but also raising concerns about increasing losses that could affect market confidence.
See More
Oscar Health to Announce Q4 Earnings on February 10
- Earnings Announcement: Oscar Health is set to release its Q4 earnings on February 10 before the market opens, with a consensus EPS estimate of -$0.92 and a revenue estimate of $3.12 billion, reflecting a 30.5% year-over-year growth, which could significantly impact the company's stock performance.
- Performance Expectations: Over the past year, Oscar Health has beaten EPS estimates 75% of the time, while only achieving 25% for revenue estimates, indicating considerable volatility in profitability that may affect investor confidence moving forward.
- Estimate Revision Trends: In the last three months, EPS estimates have seen five upward revisions and two downward, while revenue estimates have experienced seven upward revisions with none downward, suggesting a growing market confidence in Oscar Health's future growth potential, which could attract more investor interest.
- Market Environment Impact: With the increase in Obamacare enrollment, Oscar Health faces a dilemma of high growth and high risk; while the company has potential for market share expansion, it must navigate the uncertainties brought about by policy changes.
See More
Key Earnings Reports and Economic Outlook This Week
- DuPont Earnings Expectations: DuPont is expected to report earnings of $0.43 per share and revenue of $1.69 billion for Q4 2025, with analysts noting ongoing pressure in short-cycle businesses, while slight improvements in the automotive sector may influence investor sentiment.
- Cisco's AI Focus: Cisco anticipates earnings of $1.02 per share and revenue of $15.1 billion for Q2 FY2026, with CEO highlighting a major multi-year campus networking refresh, making AI infrastructure demand a critical growth driver.
- Importance of Employment Report: The January employment report is expected to show an addition of 80,000 nonfarm payrolls and an unchanged unemployment rate of 4.4%, directly impacting private consumption and U.S. GDP, making it crucial for investors to monitor.
- Consumer Price Index Insights: The January CPI is projected to increase by 2.5% year-over-year, with core CPI rising by 2.6%, providing essential inflation details despite not being the Fed's preferred measure, particularly regarding persistent shelter cost inflation.
See More
Oscar Health: AI-Driven Innovation in Health Insurance
- Market Share Growth: Oscar Health's paying member count surged from 200,000 in 2019 to 2 million, demonstrating robust growth in the individual market, with expectations for this trend to continue, further solidifying its market position.
- Tech-Driven Insurance Platform: By offering complimentary telehealth services and cloud-based software, Oscar Health enhances customer satisfaction and reduces costs, which is expected to become a standard feature in health insurance by 2026, strengthening its competitive edge.
- Price Adjustments to Address Challenges: In response to rising healthcare costs in 2025, Oscar Health has raised its insurance plan prices by 28%, aiming to restore profitability; while facing potential customer loss in the short term, the long-term outlook remains optimistic.
- Revenue Expectations and Market Valuation: Oscar Health anticipates generating $12 billion in revenue this year against a market cap of under $4 billion, making the current valuation attractive for long-term investors if the company can successfully adjust pricing and return to profitability.
See More
Oscar Health Faces Short-Term Challenges but Long-Term Potential Remains
- Market Share Growth: Oscar Health's paying members surged from 200,000 in 2019 to 2 million, indicating robust growth in the individual health insurance market despite facing short-term pressures from rising healthcare costs.
- Tech-Driven Innovation: The company has launched an AI chatbot named Oswell, powered by OpenAI, aimed at helping members manage their healthcare information more efficiently, thereby enhancing customer satisfaction and reducing operational costs.
- Pricing Adjustment Strategy: Oscar Health plans to raise insurance plan prices by 28% in 2026 to address profitability pressures stemming from rising healthcare costs and the expiration of subsidies, with expectations that this strategy will help restore profitability.
- Revenue Expectations: Although currently unprofitable, Oscar Health anticipates generating $12 billion in revenue this year against a market cap of under $4 billion, suggesting that the current stock price may be undervalued, presenting an attractive opportunity for long-term investors.
See More
Oscar Health: AI-Driven Innovation in Health Insurance
- Market Share Growth: Oscar Health's paying members have surged from 200,000 in 2019 to 2 million, indicating robust growth in the individual health insurance market, a trend expected to continue, thereby enhancing its competitive position.
- Tech-Driven Insurance Platform: By offering complimentary telehealth services and cloud-based software, Oscar Health is improving customer satisfaction and reducing costs, which is anticipated to become a standard feature in health insurance by 2026, further solidifying its market presence.
- Price Adjustments to Address Rising Costs: In response to healthcare costs exceeding projections in 2025, Oscar Health has raised its insurance plan prices by 28%, aiming to restore profitability; while facing short-term customer attrition risks, the long-term outlook remains optimistic.
- Application of AI Tools: Oscar Health has launched the AI chatbot Oswell, powered by OpenAI, to assist members in efficiently managing their healthcare information, which is expected to further enhance user experience and drive business growth.
See More
Oscar Health Shares Decline Amid Medicare Update
- Medicare Impact: The Trump administration's proposed 2027 Medicare Advantage payment changes result in a mere 0.09% average increase, drastically below Wall Street's 4%-6% expectations, putting Oscar Health under pressure to manage rising medical costs effectively.
- Industry Leader's Earnings Drag: UnitedHealth Group reported a medical care ratio near 92% for Q4, up 340 basis points year-over-year, indicating higher-than-expected medical utilization, which amplifies concerns about Oscar Health's cost trends.
- Stock Trend Analysis: Oscar Health's shares are currently trading 6.8% below their 20-day simple moving average and 14.2% below their 100-day average, indicating a bearish trend in the short term, with a 12-month decline of 7.88% reflecting ongoing market struggles.
- Future Earnings Outlook: Investors anticipate a loss of 89 cents per share in the upcoming earnings report on February 10, with revenue estimates at $3.16 billion, indicating growth but also raising concerns about increasing losses that could affect market confidence.
See More
