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Analyst
Craig Jones
Period: Reporting periods mapped to calendar 2025 Q2 – 2026 Q1 (4 quarters).
- Questions
- 6on tracked calls
- Challenge rate
- 17%1 of 6 questionsLimited sample
- Companies
- 1questioned at least once
- Reporting periods
- 4with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right. See how we grade analysts on earnings-call questions.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 6 of 6 questions from 1 company
OSCROscar Health, Inc.6 questions · 4 reporting periods · 1 of 6 challenging
Calendar 2026 Q1
with that mix shift towards bronze versus average, how does that impact your risk adjustment payable year-over-year?
Show response
CFO said the formula is built to be neutral across metals, so the payable depends on overall utilization rather than Bronze mix.
Calendar 2025 Q4
what you've assumed in your guidance, does the change in the percentage of 0 utilizers between 2025 and 2026
Show response
Declined to quantify nonutilizers, noting only that a younger book need not mean less nonutilization.
for those 400,000 number that you expect to roll off by the end of the quarter, what do you think their 2025 MLR was?
Show response
Declined to size that cohort's MLR and attributed the 2025 to 2026 MLR change to market morbidity built into pricing.
Calendar 2025 Q3
what would be some of the most effective tools that could be implemented for 2026
Show response
CEO backed program integrity efforts and asked for changes within the pricing cycle, but named no specific tools.
Calendar 2025 Q2
are you targeting getting towards the higher end of rate increases in each state to be more conservative in 2026
Show response
CFO said prices are built from Oscar's own modeling, reaching significant double-digit increases in its biggest markets, comparable to larger peers on average.
when you say double digits, is that between 10% and 99%? Or what's -- can you narrow that down for us a little bit?
Show response
CFO did not narrow the range, saying only that 2026 rate increases should be multiple times last year's.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| OSCR Oscar Health, Inc. | 6 | 17%1 of 6 questions |
- OSCROscar Health, Inc. · 6 questions17%1 of 6 questions
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q2 | 2 | 50%1 of 2 questions | 1 |
| 2025 Q3 | 1 | 0%none of 1 question | 1 |
| 2025 Q4 | 2 | 0%none of 2 questions | 1 |
| 2026 Q1 | 1 | 0%none of 1 question | 1 |
- 2025 Q22 questions · challenge rate 50% (1 of 2 questions) · 1 company
- 2025 Q31 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q11 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Margin3
- Regulation Policy2
- Pricing2
- Guidance Reliability1
- Subscriber Growth1
- Competitive Dynamics1