Company coverage
Research snapshot 2026-08-31
Research activity
OSCR 27 trade records · 0 option records · 2025-10-10 → 2026-04-30Moat
NarrowAI-powered operations (50%+ of onboarding/post-care instructions, 90% faster response times). Condition-specific plans for chronic diseases show high retention. But switching costs in health insurance remain low (annual enrollment cycles). Larger co…
Physical assets
MinimalCloud-native health insurer with no significant physical assets. ~$5.5B in cash/investments and $1B in insurance subsidiary capital, but these are financial assets. No factories, owned data centers, or scarce infrastructure.
Software / hardware
Software98%
Hardware2%
Growth. AI-powered underwriting and condition-specific plans drive member retention as Oscar targets profitability expansion across underserved chronic disease insurance segments. Primary assets. AI health insurance platform, insurance subsidiary ca…
- manual · sw-hw
Growth. AI-powered underwriting and condition-specific plans drive member retention as Oscar targets profitability expansion across underserved chronic disease insurance segments. Primary assets. AI health insurance platform, ins…
- manual · physical-assets
Cloud-native health insurer with no significant physical assets. ~$5.5B in cash/investments and $1B in insurance subsidiary capital, but these are financial assets. No factories, owned data centers, or scarce infrastructure.
- manual · moat
AI-powered operations (50%+ of onboarding/post-care instructions, 90% faster response times). Condition-specific plans for chronic diseases show high retention. But switching costs in health insurance remain low (annual enrollmen…
| Date | Action | Type | Relative size |
|---|---|---|---|
| 2026-04-30 | SELL | Equity | +100% |
| 2026-02-18 | BUY | Equity | +21% |
| 2026-01-22 | BUY | Equity | +17% |
| 2026-01-16 | BUY | Equity | +3% |
| 2026-01-09 | BUY | Equity | +1% |
| 2026-01-08 | BUY | Equity | +0% |
| 2026-01-07 | BUY | Equity | +7% |
| 2026-01-07 | BUY | Equity | +0% |
| 2026-01-02 | BUY | Equity | +0% |
| 2025-12-31 | BUY | Equity | +3% |
| 2025-12-26 | BUY | Equity | +7% |
| 2025-12-19 | BUY | Equity | +7% |
| 2025-12-18 | BUY | Equity | +3% |
| 2025-12-18 | BUY | Equity | +3% |
| 2025-12-17 | BUY | Equity | +3% |
| 2025-12-17 | BUY | Equity | +3% |
| 2025-12-17 | BUY | Equity | +3% |
| 2025-12-02 | BUY | Equity | +0% |
| 2025-12-01 | BUY | Equity | +0% |
| 2025-11-17 | BUY | Equity | +0% |
| 2025-11-14 | BUY | Equity | +0% |
| 2025-11-06 | BUY | Equity | +0% |
| 2025-11-04 | BUY | Equity | +0% |
| 2025-11-03 | BUY | Equity | +0% |
Notes
Full portfolio moat / asset analysis
AI-powered operations (50%+ of onboarding/post-care instructions, 90% faster response times). Condition-specific plans for chronic diseases show high retention. But switching costs in health insurance remain low (annual enrollment cycles). Larger competitors (UnitedHealth, Elevance) can replicate technology with superior scale. The moat is service/technolog…
Full portfolio moat / asset analysis
Cloud-native health insurer with no significant physical assets. ~$5.5B in cash/investments and $1B in insurance subsidiary capital, but these are financial assets. No factories, owned data centers, or scarce infrastructure.
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