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Analyst
Jon Yong
Period: Reporting periods mapped to calendar 2024 Q4 – 2026 Q2 (7 quarters).
- Questions
- 14on tracked calls
- Challenge rate
- 0%none of 14 questions
- Companies
- 1questioned at least once
- Reporting periods
- 7with 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 14 of 14 questions from 1 company
OSCROscar Health, Inc.14 questions · 7 reporting periods · 0 of 14 challenging
Calendar 2026 Q2
do you guys kind of see yourselves getting incrementally better G&A leverage just given kind of your productivity
Show response
CEO said the SG&A target is being reached a year early and sees more leverage if revenue outgrows costs.
is that in line with the previous expectation of that 1% to 2% per month or is it going to be a little bit more elevated
Show response
Management said churn will be about double as CMS-related lapses shift into the second half, with no revenue impact.
Calendar 2026 Q1
would you say the risk adjustment was just more a function of the claims data that you're kind of seeing so far?
Show response
CFO said the 24% reflects claims experience, not Wakely data, and net prior period development was a favorable $68 million.
Did flu or weather play any factor into kind of the beat? And was there any emerging trends
Show response
CEO said flu and weather were normal and claims experience ran better than planned, though not all of it has been booked.
Calendar 2025 Q4
How would you characterize your historical experience with bronze and how you're thinking about this time around?
Show response
Said bronze has been a high-performing product, plans target margins in a tight band, and bronze may see somewhat higher churn.
how much has things changed from last year to what it may look like this year where maybe that third-party data
Show response
Confirmed the 400,000 passive roll-off math, explained broker-led growth, and said third-party data covers most new members.
Calendar 2025 Q3
are they trying to downgrade? Or are they just kind of leaving the market altogether?
Show response
CEO said it is too early in open enrollment and offered no data on downgrades or exits.
how are you thinking about operationalizing this? And what may or may not be included in G&A at this moment
Show response
CEO said SG&A tracks growth rather than subsidies, with variable costs managed to membership and BPO capacity to flex up or down.
Calendar 2025 Q2
Is there kind of a breakpoint where you just say, okay, this is just way too much.
Show response
CEO said pricing by metal level and product was set to avoid adverse selection, but did not frame an enrollment breakpoint.
is that $60 million the needed level to get to the level of profitability?
Show response
CFO said about half the savings come from a reduction in force and half from closing open roles and cutting vendor costs, one lever toward 2026 profit.
Calendar 2025 Q1
one of your competitors is exiting the exchanges in '26. Kind of how you think about the opportunities and risk
Show response
Management cited fairly significant overlap with the exiting competitor and framed it as a chance to take members at disciplined pricing.
Just on new versus retired members, is there anything of note between the utilization patterns between the two
Show response
Management said utilization ran above plan with no specific inpatient driver and expects risk adjustment to offset it, but did not split new versus retained members.
Calendar 2024 Q4
are you assuming any attrition throughout the year as people get jobs or perhaps to stop paying throughout the year?
Show response
CFO guided to roughly flat membership through the year, with lapse near historical levels plus some April recheck pressure.
does that change kind of your how the trajectory of it might look moving forward?
Show response
Management said SG&A leverage is already pegged to the 1.8 million paying members and further improvement is in guidance.
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. | 14 | 0%none of 14 questions |
- OSCROscar Health, Inc. · 14 questions0%none of 14 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 |
|---|---|---|---|
| 2024 Q4 | 2 | 0%none of 2 questions | 1 |
| 2025 Q1 | 2 | 0%none of 2 questions | 1 |
| 2025 Q2 | 2 | 0%none of 2 questions | 1 |
| 2025 Q3 | 2 | 0%none of 2 questions | 1 |
| 2025 Q4 | 2 | 0%none of 2 questions | 1 |
| 2026 Q1 | 2 | 0%none of 2 questions | 1 |
| 2026 Q2 | 2 | 0%none of 2 questions | 1 |
- 2024 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2025 Q12 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2025 Q22 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2025 Q32 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2025 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q12 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2026 Q22 questions · challenge rate 0% (none of 2 questions) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Subscriber Growth7
- Margin6
- Regulation Policy4
- Cost Pressure4
- Pricing2
- Competitive Dynamics2
- Demand1
- Labor Market1