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Oscar Health OSCR Reserve for insurance claims

Reserve for insurance claims at other companies

UnitedHealth Group logo
UnitedHealth GroupUNH
$27.6B+6.6%
Centene logo
CenteneCNC
$20.63B+3.6%
Molina Healthcare logo
Molina HealthcareMOH
$4.94B+2.9%

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$8.56B+4.0%
Enterprise value$4.16B-174%
P/S0.6×-0.2×

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 official record: Oscar Health’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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?
The estimated amount of money set aside to pay for future insurance claims.
How do you interpret reserve for insurance claims?
Higher reserves relative to premiums may indicate conservative actuarial assumptions or rising medical costs, while lower reserves could signal potential under-provisioning.
How does reserve for insurance claims compare across companies?
This is a standard industry metric; peer comparisons focus on the reserve-to-premium ratio to gauge underwriting discipline.