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Oscar Health OSCR Reserve for insurance claims

Reserve for insurance claims at other companies

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Segments

By product

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Title Insurance Product Line$221.8M+20.7%

Other financials

Income statement

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Revenue$4.6B+52.6%
Operating income$704.1M+137%
Net income$679.0M+147%
EPS (diluted)$2.07+125%

Balance sheet

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Cash & equivalents$4.8B+114%
Total debt$430.9M+43.7%
Total equity$1.7B+24.8%
Total assets$9.3B+59.0%

Cash flow

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Operating cash flow$2.6B+198%
CapEx$8.8M-2.6%
Free cash flow$2.6B+200%

Valuation

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Market cap$9.08B+149%
Enterprise value$4.68B+252%
P/S0.7×+0.3×

Profitability

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Operating margin0.1%
Net margin-0.3%
FCF margin-8.2%

Returns & leverage

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Return on equity-2.6%
Debt / equity0.3×0.0×
Current ratio1.1×+0.2×

Where this comes from

Reported directly by Oscar Health in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The source filing: Oscar Health’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 4:24 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001568651-26-000040
(in thousands, except per share amounts)March 31, 2026December 31, 2025
Total assets$9,289,646$6,325,411
Liabilities and Stockholders' Equity
Current Liabilities:
Benefits payable$1,734,051$1,455,385
Payables to CMS4,723,2442,730,095
Accounts payable and other liabilities505,943507,325
Unearned premiums172,004166,203
Reinsurance payable5,1123,579

Item 1. Financial Statements

FAQ

What is Oscar Health's reserve for insurance claims?
Oscar Health (OSCR) reported reserve for insurance claims of $1.73B in Q1 2026.
How has Oscar Health's reserve for insurance claims changed year-over-year?
Oscar Health's reserve for insurance claims increased by 18.3% year-over-year, from $1.47B to $1.73B.
What is the long-term trend for Oscar Health's reserve for insurance claims?
Over 5 years (2020 to 2025), Oscar Health's reserve for insurance claims has grown at a 36.1% compound annual growth rate (CAGR), from $311.91M to $1.46B.
What does reserve for insurance claims mean?
This represents the estimated liability for insurance claims that have been incurred but not yet paid, including those that have been reported and those that have been incurred but not reported (IBNR). It is a critical measure of an insurer's actuarial accuracy and financial health. Proper estimation is essential to ensure the company can meet its future obligations to policyholders.

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