OSCR / Oscar Health, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Oscar Health, Inc.
US ˙ NYSE ˙ US6877931096

Mga Batayang Estadistika
CIK 1568651
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Oscar Health, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
September 3, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 3, 2025 Oscar Health, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 3, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

August 7, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 [ ] TRANSITION REPORT PURSUANT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154

August 6, 2025 EX-99.1

Oscar Health, Inc. Condensed Consolidated Statements of Operations Three Months Ended June 30, Six Months Ended June 30, (in thousands, except per share amounts) 2025 2024 2025 2024 Revenue Premium $ 2,803,444 $ 2,164,116 $ 5,799,265 $ 4,257,798 Inve

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Financial Results for Second Quarter 2025 and Reaffirms Updated 2025 Guidance New York, NY, August 6, 2025 – Oscar Health, Inc. (“Oscar” or the “Company”) (NYSE: OSCR) announced today its financial results for the second quarter ended June 30, 2025, and reaffirmed its updated full year 2025 outlook across all metrics as provided

August 6, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 6, 2025 Oscar Health, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 6, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

July 22, 2025 EX-99.1

Oscar Health, Inc.

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Preliminary Financial Results for Second Quarter 2025 and Revises 2025 Guidance New York, NY, July 22, 2025 – Oscar Health, Inc. (“Oscar” or the “Company”) (NYSE: OSCR), a leading healthcare technology company, announced today certain preliminary financial results for the second quarter ended June 30, 2025 and updates to full ye

July 22, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): July 22, 2025 Oscar Health, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): July 22, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File N

June 6, 2025 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 4, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

May 8, 2025 EX-10.2

2025 Form of Stock Option Award Agreement (Non-Retirement Eligible) under 2021 Incentive Award Plan

OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN STOCK OPTION GRANT NOTICE – FORM FOR NON- RETIREMENT ELIGIBLE Oscar Health, Inc., a Delaware corporation (the “Company”) has granted to the participant listed below (“Participant”) the stock option (the “Option”) described in this Stock Option Grant Notice (the “Grant Notice”), subject to the terms and conditions of the Oscar Health, Inc. 2021 Incentive

May 8, 2025 EX-10.1

Employment Agreement, by and between Oscar Health, Inc. and Janet Liang, dated January 30, 2025

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”), dated as of January 30, 2025, is entered into by and between Oscar Health, Inc.

May 8, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 [ ] TRANSITION REPORT PURSUANT

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-4015

May 7, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 7, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Num

May 7, 2025 EX-99.1

Oscar Health, Inc. Condensed Consolidated Statements of Operations Three Months Ended March 31, (in thousands, except per share amounts) 2025 2024 Revenue Premium $ 2,995,821 $ 2,093,682 Investment income 46,112 42,989 Services and other 4,330 5,634

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Strong Financial Results for First Quarter 2025 And Reaffirms 2025 Guidance New York, NY, May 7, 2025 – Oscar Health, Inc. (“Oscar” or the “Company”) (NYSE: OSCR), a leading healthcare technology company, announced today its financial results for the first quarter ended March 31, 2025. “Oscar reported strong financial results in

April 25, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 25, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 3, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 3, 2025 Oscar Health, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 3, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File N

February 21, 2025 EX-FILING FEES

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1—Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount to be Registered (1) Proposed Maximum  Offering Price Per Unit Maximum  Aggregate Offering Price Fee Rate Amount of Registration Fee 2021 Incentive Award Plan

February 21, 2025 S-8

As filed with the United States Securities and Exchange Commission on February 20, 2025

S-8 As filed with the United States Securities and Exchange Commission on February 20, 2025 Registration No.

February 20, 2025 EX-10.4

Oscar Health, Inc. 2021 Incentive Award Plan.

Exhibit 10.4 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN ARTICLE I.PURPOSE The Plan’s purpose is to enhance the Company’s ability to attract, retain and motivate persons who make (or are expected to make) important contributions to the Company by providing these individuals with equity ownership opportunities and/or equity-linked compensatory opportunities. Capitalized terms used in the Plan are

February 20, 2025 EX-10.22

Amended Non-Employee Director Compensation Program.

Exhibit 10.22 OSCAR HEALTH, INC. AMENDED NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM Eligible Directors (as defined below) on the board of directors (the “Board”) of Oscar Health, Inc. (the “Company”) shall be eligible to receive cash and equity compensation as set forth in this Amended Non-Employee Director Compensation Program (this “Amended Program”). The cash and equity compensation described i

February 20, 2025 EX-19.1

Insider Trading Policy

Exhibit 19.1 (Effective 1/30/2025) Oscar Health, Inc. Insider Trading Compliance Policy Oscar Health, Inc. (the “Company”) seeks to promote a culture that encourages ethical conduct and a commitment to compliance with the law. We require our personnel to comply at all times with federal laws and regulations governing insider trading. This policy sets forth procedures designed to help comply with t

February 20, 2025 EX-21.1

List of Subsidiaries of Oscar Health, Inc.

Exhibit 21.1 Subsidiaries of Oscar Health, Inc. Legal Name Jurisdiction of Incorporation or Organization Mulberry Insurance Agency, Inc. New York Oscar Management Corporation1 Delaware Oscar Buckeye State Insurance Corporation Ohio Oscar Garden State Insurance Corporation New Jersey Oscar Health Maintenance Organization of Florida, Inc. Florida Oscar Health Plan of California California Oscar Heal

February 20, 2025 EX-10.10

Oscar Health, Inc. 2021 Employee Stock Purchase Plan.

Exhibit 10.10 OSCAR HEALTH, INC. 2021 EMPLOYEE STOCK PURCHASE PLAN ARTICLE I. PURPOSE The purposes of this Oscar Health, Inc. 2021 Employee Stock Purchase Plan (as it may be amended or restated from time to time, the “Plan”) are to assist Eligible Employees of Oscar Health, Inc., a Delaware corporation (the “Company”), and its Designated Subsidiaries in acquiring a stock ownership interest in the

February 20, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154 Osc

February 20, 2025 EX-10.24

Amended and Restated Deferred Compensation Plan for Directors.

Exhibit 10.24 OSCAR HEALTH, INC. AMENDED AND RESTATED DEFERRED COMPENSATION PLAN FOR DIRECTORS Effective as of December 3, 2024 TABLE OF CONTENTS Page(s) ARTICLE I. DEFINITIONS 1 ARTICLE II. PURPOSE; DEFERRAL ELECTIONS 3 ARTICLE III. DEFERRED COMPENSATION ACCOUNTS 4 ARTICLE IV. PAYMENT OF DEFERRED COMPENSATION 5 ARTICLE V. ADMINISTRATION; EFFECTIVENESS, AMENDMENT AND TERMINATION OF PLAN 6 ARTICLE

February 20, 2025 EX-10.25

Form of Deferred Restricted Stock Unit Award Agreement (Directors)

Exhibit 10.25 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN RESTRICTED STOCK UNIT GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the “Company”), has granted to the participant listed below (“Participant”) the Restricted Stock Units (the “RSUs”) described in this Restricted Stock Unit Grant Notice (this “Grant Notice”), subject to the terms and conditions of the Oscar Health, Inc. 2021 Inc

February 20, 2025 EX-10.5

Form of Stock Option Award Agreement under 2021 Incentive Award Plan.

Exhibit 10.5 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN STOCK OPTION GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the “Company”) has granted to the participant listed below (“Participant”) the stock option (the “Option”) described in this Stock Option Grant Notice (the “Grant Notice”), subject to the terms and conditions of the Oscar Health, Inc. 2021 Incentive Award Plan (as amended

February 4, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): January 29, 2025 Oscar Health, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): January 29, 2025 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

February 4, 2025 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended December 31, Year Ended December 31, (in thousands, except percentages) 2024 2023 2024 2023 Total Revenue $ 2,392,436 $ 1,431,658 $ 9,177,564 $ 5,862,869 Medical Loss Ratio 88.1 % 86.4 % 8

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Fourth Quarter and Full Year 2024 Results; Introduces Full Year 2025 Outlook Reports Adjusted EBITDA and Net Income Profitability for the First Time in Company History February 4, 2025 •For the year ended December 31, 2024: ◦Total Revenue of $9.2 billion, a 56.5% increase year-over-year ◦Medical Loss Ratio of 81.7%, a 10 bps inc

November 14, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / Dragoneer Investment Group, LLC - SC 13G/A Passive Investment

SC 13G/A 1 d904181dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) * Oscar Health, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 687793109 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Stateme

November 13, 2024 SC 13D/A

OSCR / Oscar Health, Inc. / Thrive Capital Partners III, L.P. - SC 13D/A Activist Investment

SC 13D/A 1 d877238dsc13da.htm SC 13D/A SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13D UNDER THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 3)* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securities) 687793109 (CUSIP Number) Jed Feldman c/o Thrive Capital, 295 Lafayette Street, 7th Fl. New York, NY 10012 646-6

November 12, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / Flynn James E Passive Investment

SC 13G/A 1 e664021sc13ga-oscarthealth.htm SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2)* Oscar Health, Inc. (Name of Issuer) Class A Common Stock (Title of Class of Securities) 687793109 (CUSIP Number) N

November 7, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): November 7, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

November 7, 2024 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended September 30, Nine Months Ended September 30, (in thousands, except percentages) 2024 2023 2024 2023 Total revenue $ 2,423,482 $ 1,439,991 $ 6,785,128 $ 4,431,211 Medical Loss Ratio (MLR)

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Third Quarter 2024 November 7, 2024 •For the quarter ended September 30, 2024: ◦Total Revenue of $2.4 billion, a 68% increase year-over-year ◦Medical Loss Ratio of 84.6%, an 80 bps increase year-over-year ◦SG&A Expense Ratio of 19.0%, a 360 bps improvement year-over-year ◦Net loss attributable to Oscar of $54.6 milli

November 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 [ ] TRANSITION REPORT PURS

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-

September 4, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 4, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

August 7, 2024 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended June 30, Six Months Ended June 30, (in thousands, except percentages) 2024 2023 2024 2023 Total revenue $ 2,219,341 $ 1,521,535 $ 4,361,646 $ 2,991,220 Medical Loss Ratio (MLR) 79.0 % 79.9

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Second Quarter 2024 and Raises Full Year Revenue and Adjusted EBITDA Outlook August 7, 2024 •For the quarter ended June 30, 2024: ◦Total Revenue of $2.2 billion, a 46% increase YoY ◦Medical Loss Ratio of 79.0%, a 90 bps improvement YoY ◦SG&A Expense Ratio of 19.6%, a 260 bps improvement YoY ◦Net income attributable t

August 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154

August 7, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 7, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

June 11, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 6, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

June 7, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): June 7, 2024 Oscar Health, Inc. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): June 7, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

June 3, 2024 EX-24

FORM 144 POWER OF ATTORNEY

Exhibit 24 FORM 144 POWER OF ATTORNEY With respect to holdings of and transactions in securities issued by Oscar Health, Inc.

June 3, 2024 EX-24

FORM 144 POWER OF ATTORNEY

Exhibit 24 FORM 144 POWER OF ATTORNEY With respect to holdings of and transactions in securities issued by Oscar Health, Inc.

June 3, 2024 EX-24

FORM 144 POWER OF ATTORNEY

Exhibit 24 FORM 144 POWER OF ATTORNEY With respect to holdings of and transactions in securities issued by Oscar Health, Inc.

June 3, 2024 EX-24

FORM 144 POWER OF ATTORNEY

Exhibit 24 FORM 144 POWER OF ATTORNEY With respect to holdings of and transactions in securities issued by Oscar Health, Inc.

June 3, 2024 EX-24

FORM 144 POWER OF ATTORNEY

Exhibit 24 FORM 144 POWER OF ATTORNEY With respect to holdings of and transactions in securities issued by Oscar Health, Inc.

May 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-4015

May 7, 2024 EX-10.2

Employment Agreement, by and between Oscar Health, Inc., Oscar Management Corporation and Steven Wolin, dated May 2, 2024.

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”), dated as of May 2, 2024 (the “Effective Date”), is entered into by and between Oscar Health, Inc.

May 7, 2024 EX-99.2

Oscar Health, Inc. Condensed Consolidated Statements of Operations Three Months Ended Year Ended (in thousands) March 31, 2023 June 30, 2023 September 30, 2023 December 31, 2023 December 31, 2023 Revenue Premium $ 1,428,626 $ 1,474,966 $ 1,392,082 $

Oscar Health, Inc. ir.hioscar.com Oscar Health, Inc. Supplemental Financial Information Financial Statement Presentation 2023 Quarterly and Annual Results of Operations and Key Metrics This presentation is for informational purposes only and includes financial information that is unaudited. This presentation should be read in conjunction with documents filed by Oscar Health, Inc. (the “Company”) w

May 7, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 7, 2024 Oscar Health, Inc. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 7, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Num

May 7, 2024 EX-10.1

Form of Performance Restricted Stock Unit Award Agreement under 2021 Incentive Award Plan.

OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN PERFORMANCE RESTRICTED STOCK UNIT GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the “Company”), has granted to the participant listed below (“Participant”) the Performance Restricted Stock Units (the “PSUs”) described in this Performance Restricted Stock Unit Grant Notice (this “Grant Notice”), subject to the terms and conditions of the Oscar

May 7, 2024 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended March 31, (in thousands, except percentages) 2024 2023 Total revenue $ 2,142,305 $ 1,469,685 Medical Loss Ratio (MLR) 74.2 % 76.3 % SG&A Expense Ratio 18.4 % 27.1 % Adjusted EBITDA(1) $ 21

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for First Quarter 2024 May 7, 2024 •For the quarter ended March 31, 2024: ◦Total Revenue of $2.1 billion, a 46% increase YoY ◦Medical Loss Ratio of 74.2%, a 210 bps improvement YoY ◦SG&A Expense Ratio of 18.4%, an 870 bps improvement YoY ◦Net Income attributable to Oscar of $177.4 million, or $0.62 of diluted earnings pe

April 25, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 25, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

February 15, 2024 EX-10.5

2024 Form of Restricted Stock Unit Award Agreement (Retirement Eligible) under 2021 Incentive Award Plan

OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN RESTRICTED STOCK UNIT GRANT NOTICE – RETIREMENT ELIGIBLE Oscar Health, Inc., a Delaware corporation (the “Company”), has granted to the participant listed below (“Participant”) the Restricted Stock Units (the “RSUs”) described in this Restricted Stock Unit Grant Notice (this “Grant Notice”), subject to the terms and conditions of the Oscar Health, Inc.

February 15, 2024 EX-FILING FEES

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1—Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount to be Registered (1) Proposed  Maximum  Offering Price Per Unit  Maximum  Aggregate Offering Price Fee Rate Amount of Registration Fee 2021 Incentive Award Pla

February 15, 2024 EX-97.1

Oscar Health, Inc. Policy for Recovery of Erroneously Awarded Compensation

OSCAR HEALTH, INC. POLICY FOR RECOVERY OF ERRONEOUSLY AWARDED COMPENSATION Oscar Health, Inc. (the “Company”) has adopted this Policy for Recovery of Erroneously Awarded Compensation (the “Policy”), effective as of October 2, 2023 (the “Effective Date”). Capitalized terms used in this Policy but not otherwise defined herein are defined in Section 11. 1.Persons Subject to Policy Subject to Section

February 15, 2024 EX-10.24

Non-Employee Director Compensation Program.

OSCAR HEALTH, INC. AMENDED NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM Eligible Directors (as defined below) on the board of directors (the “Board”) of Oscar Health, Inc. (the “Company”) shall be eligible to receive cash and equity compensation as set forth in this Amended Non-Employee Director Compensation Program (this “Amended Program”). The cash and equity compensation described in this Amended

February 15, 2024 S-8

As filed with the United States Securities and Exchange Commission on February 15, 2024

As filed with the United States Securities and Exchange Commission on February 15, 2024 Registration No.

February 15, 2024 EX-10.6

2024 Form of Restricted Stock Unit Award Agreement (Non-Retirement Eligible) under 2021 Incentive Award Plan

OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN RESTRICTED STOCK UNIT GRANT NOTICE – NON-RETIREMENT ELIGIBLE Oscar Health, Inc., a Delaware corporation (the “Company”), has granted to the participant listed below (“Participant”) the Restricted Stock Units (the “RSUs”) described in this Restricted Stock Unit Grant Notice (this “Grant Notice”), subject to the terms and conditions of the Oscar Health, I

February 15, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154 Osc

February 14, 2024 SC 13G

OSCR / Oscar Health, Inc. / Dragoneer Investment Group, LLC - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. ) * Oscar Health, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 687793109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to d

February 14, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / General Catalyst Group Management Holdings GP, LLC - SC 13G/A Passive Investment

SC 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO § 240.13d-2 Under the Securities Exchange Act of 1934 (Amendment No. 1)* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class o

February 14, 2024 EX-99.1

Joint Filing Agreement

EX-99.1 2 d787985dex991.htm EX-99.1 Exhibit 1 Joint Filing Agreement Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, the undersigned hereby agree that only one statement containing the information required by Schedule 13G need be filed with respect to the ownership by each of the undersigned of shares of Oscar Health, Inc. EXECUTED this 14th day of February, 2024. GENERAL C

February 14, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / Khosla Ventures IV, L.P. - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 14, 2024 EX-99.1

JOINT FILING AGREEMENT

EX-99.1 2 d758408dex991.htm EX-99.1 Exhibit 99.1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that only one statement containing the information required by Schedule 13G need be filed with respect to the ownership by each of the undersigned of the shares of Common Stock of Oscar Health, Inc. Dated: February

February 14, 2024 EX-99.A

JOINT FILING AGREEMENT

EX-99.A 2 d782099dex99a.htm EX-99.A EXHIBIT A JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) of the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Class A Common Stock, par value $0.00001 per share, of Oscar Health, Inc. and furthe

February 13, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv01632-oscarhealthincclassa.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 2)* Name of issuer: Oscar Health, Inc. Class A Title of Class of Securities: Common Stock CUSIP Number: 687793109 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box

February 12, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / Flynn James E Passive Investment

SC 13G/A 1 e619247sc13ga-oscar.htm SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1)* Oscar Health, Inc. (Name of Issuer) Class A Common Stock (Title of Class of Securities) 687793109 (CUSIP Number) December

February 7, 2024 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended December 31, Year Ended December 31, (in thousands, except percentages) 2023 2022 2023 2022 Direct and Assumed Policy Premiums $ 1,676,673 $ 1,784,012 $ 6,647,658 $ 6,842,439 Medical Loss

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Strong Results for Fourth Quarter and Full Year 2023; Introduces Full Year 2024 Outlook Including Total Company Adjusted EBITDA Profitability February 7, 2024 •For the year ended December 31, 2023: ◦Direct and Assumed Policy Premiums of $6.6 billion, a 3% decrease YoY ◦Premiums earned of $5.7 billion, a 47% increase YoY ◦Medical

February 7, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): February 7, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

February 2, 2024 SC 13G/A

OSCR / Oscar Health, Inc. / CapitalG 2015 LP - AMENDMENT NO. 1 Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 687793109 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designa

January 10, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): January 10, 2024 Oscar Health, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): January 10, 2024 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

December 29, 2023 EX-10.1

Credit Agreement, dated as of February 21, 2021, as amended by the First Amendment to Credit Agreement, dated as of January 27, 2022, the Second Amendment to Credit Agreement, dated as of July 21, 2023, and the Third Amendment, dated as of December 28, 2023, by and among Oscar Health, Inc., as borrower, the several lenders from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, among others.

Exhibit 10.1 Execution Version THIRD AMENDMENT TO CREDIT AGREEMENT THIRD AMENDMENT TO CREDIT AGREEMENT, dated as of December 28, 2023 (this “Amendment”), by and among OSCAR HEALTH, INC., a Delaware corporation (the “Borrower”), each other Loan Party that is party hereto, WELLS FARGO BANK, NATIONAL ASSOCIATION, as administrative agent for the Lenders (in such capacity, the “Agent”), and the Lenders

December 29, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 28, 2023 Oscar Health, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 28, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

December 1, 2023 SC 13G

OSCR / Oscar Health Inc - Class A / Flynn James E - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b)(c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No.

November 20, 2023 EX-99.1

Oscar Health, Inc.

Exhibit 99.1 Oscar Health, Inc. ir.hioscar.com News Release Oscar Health, Inc. Announces that Mark Bertolini’s Foundation and Deerfield Management have Entered into an Agreement with a Selling Shareholder to Purchase Shares of Oscar Health New York, NY, November 20, 2023 - Oscar Health, Inc. (“Oscar”) (NYSE: OSCR), a leading healthcare technology company, today announced that an affiliate of Deerf

November 20, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 20, 2023 Oscar Health, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 20, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 7, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): November 7, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

November 7, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-

November 7, 2023 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Direct and Assumed Policy Premiums (in thousands) $ 1,606,407 $ 1,682,289 $ 4,970,985 $ 5,058,427 Medical Loss Ratio 83.8

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Third Quarter 2023 and Raises Full Year 2023 Adjusted EBITDA Outlook; New +Oscar Agreement November 7, 2023 •For the quarter ended September 30, 2023: ◦Direct and Assumed Policy Premiums of $1.6 billion, a 5% decrease YoY ◦Premiums earned of $1.4 billion, a 46% increase YoY ◦Medical Loss Ratio of 83.8%, a 608 bps imp

September 11, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): September 11, 2023 Oscar Health,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): September 11, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission F

August 9, 2023 EX-10.2

Letter Agreement dated as of August 2, 2023, by and among Oscar Health, Inc., Oscar Management Corporation and R. Scott Blackley.

August 2, 2023 VIA EMAIL R. Scott Blackley [email protected] Dear Scott, As we have discussed, Oscar Health, Inc. and Oscar Management Corporation (collectively, the “Company”) have offered you the role of Chief Financial Officer of the Company and you have agreed to accept that role. Accordingly, effective as of August 14, 2023, you will no longer serve as the Company’s Chief Transformation Of

August 9, 2023 EX-10.1

Credit Agreement, dated as of February 21, 2021, as amended by the First Amendment to Credit Agreement, dated as of January 27, 2022, and the Second Amendment to Credit Agreement, dated as of July 21, 2023, by and among Oscar Health, Inc., as borrower, the several lenders from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, among others.

FOR VALIDATION PURPOSES ONLY - [448545.EX101] Exhibit 10.1 Execution Version SECOND AMENDMENT TO CREDIT AGREEMENT This SECOND AMENDMENT TO CREDIT AGREEMENT, dated as of July 21, 2023 (this “Amendment”), is executed and delivered by WELLS FARGO BANK, NATIONAL ASSOCIATION, as administrative agent for the Lenders (in such capacity, the “Agent”), pursuant to Section 2.19(c)(ii) of that certain Credit

August 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154

August 8, 2023 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 Direct and Assumed Policy Premiums (in thousands) $ 1,645,169 $ 1,694,927 $ 3,364,578 $ 3,376,138 Medical Loss Ratio 79.9 % 82.2 % 78

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Strong Financial Results for Second Quarter 2023 August 8, 2023 •For the quarter ended June 30, 2023: ◦Direct and Assumed Policy Premiums of $1.6 billion, a 3% decrease YoY ◦Premiums earned of $1.5 billion, a 48% increase YoY ◦Medical Loss Ratio of 79.9%, a 230 bps improvement YoY ◦Net loss of ($15.4) million, an improvement of

August 8, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 2, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

June 13, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 8, 2023 Oscar Health, Inc. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 8, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

May 30, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 26, 2023 Oscar Health, Inc. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 26, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

May 10, 2023 EX-10.2

Employment Agreement, by and between Oscar Health, Inc. and Mario Schlosser, dated March 28, 2023.

Exhibit 10.2 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”), dated as of March 28, 2023 is entered into by and between Oscar Health, Inc., a Delaware corporation (“Holdings”) and Oscar Management Corporation (“OpCo” and, together with Holdings, the “Company”) and Mario Schlosser (the “Executive”). WHEREAS, the Company previously engaged the Executive under an Offer Letter, by an

May 10, 2023 EX-10.3

2021 Incentive Award Plan Founder Award Cancellation Agreement by and between Oscar Hea

Exhibit 10.3 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN FOUNDER AWARD CANCELLATION AGREEMENT This Agreement (this “Agreement”) is dated as of March 28, 2023, by and between Mario Schlosser (“Participant”) and Oscar Health, Inc. (the “Company”). Capitalized terms not specifically defined in this Agreement have the meanings given to them in the Oscar Health, Inc. 2021 Incentive Award Plan (the “Pl

May 10, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-4015

May 10, 2023 EX-10.1

Employment Agreement, by and between Oscar Health, Inc. and Mark T. Bertolini, dated March 28, 2023.

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”), dated as of March 28, 2023 is entered into by and between Oscar Health, Inc., a Delaware corporation (“Holdings”) and Oscar Management Corporation (“OpCo” and, together with Holdings, the “Company”) and Mark Bertolini (the “Executive”). WHEREAS, the Company previously engaged the Executive under a Consulting Agreement,

May 10, 2023 EX-10.4

2021 Incentive Award Plan Founder Award Cancellation Agreement by and between Oscar Hea

Exhibit 10.4 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN FOUNDER AWARD CANCELLATION AGREEMENT This Agreement (this “Agreement”) is dated as of March 28, 2023, by and between Joshua Kushner (“Participant”) and Oscar Health, Inc. (the “Company”). Capitalized terms not specifically defined in this Agreement have the meanings given to them in the Oscar Health, Inc. 2021 Incentive Award Plan (the “Pla

May 10, 2023 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REP

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number:

May 9, 2023 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended March 31, 2023 2022 Direct and Assumed Policy Premiums (in thousands) $ 1,719,409 $ 1,681,211 Medical Loss Ratio 76.3 % 77.4 % InsuranceCo Administrative Expense Ratio 18.6 % 19.8 % Insura

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for First Quarter 2023 With Meaningful YoY Improvements Across all KPIs May 9, 2023 •For the quarter ended March 31, 2023: ◦Direct and Assumed Policy Premiums of $1.7 billion, a 2% increase YoY ◦Premiums earned of $1.4 billion, a 50% increase YoY ◦Medical Loss Ratio of 76.3%, a 108 bps improvement YoY ◦Net loss of $39.6

May 9, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 9, 2023 Oscar Health, Inc. (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 9, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Num

April 27, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 27, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 28, 2023 S-8

Power of Attorney (included on the signature page of the Registration Statement)

S-8 As filed with the United States Securities and Exchange Commission on March 28, 2023 Registration No.

March 28, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 28, 2023 Oscar Health, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 28, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

March 28, 2023 EX-99.2

First Amendment to the Oscar Health, Inc. 2022 Employment Inducement Incentive Award Plan

EX-99.2 Exhibit 99.2 FIRST AMENDMENT TO OSCAR HEALTH, INC. 2022 EMPLOYMENT INDUCEMENT INCENTIVE AWARD PLAN This First Amendment (this “Amendment”) to the Oscar Health, Inc. 2022 Employment Inducement Incentive Award Plan (the “Plan”), is adopted by the Compensation Committee (the “Committee”) of the Board of Directors (the “Board”) of Oscar Health, Inc., a Delaware corporation (the “Company”), eff

March 28, 2023 EX-FILING FEES

Filing Fee Table

EX-FILING FEES Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1—Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount to be Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 2022 Employme

March 13, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 10, 2023 Oscar Health, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 10, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

February 24, 2023 EX-10.17

Employment Agreement, by and among Oscar Health, Inc., Oscar Management Corporation and Ranmali Bopitiya, effective January 31, 2022

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”), dated as of December 23rd, 2021, is entered into by and between Oscar Health, Inc.

February 24, 2023 EX-10.18

Consulting Agreement, by and between Oscar Health, Inc., Oscar Management Corporation and Dennis Weaver, dated December 19, 2022

CONSULTING AGREEMENT THIS CONSULTING AGREEMENT (this “Agreement”), dated as of December 19, 2022, is entered into by and between Oscar Health, Inc.

February 24, 2023 S-8

Power of Attorney (included on the signature page of the Registration Statement)

S-8 As filed with the United States Securities and Exchange Commission on February 23, 2023 Registration No.

February 24, 2023 EX-FILING FEES

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1—Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount to be Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 2021 Incentive Award Plan Eq

February 24, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154 Osc

February 24, 2023 EX-4.5

Description of Capital Stock.

Exhibit 4.5 DESCRIPTION OF CAPITAL STOCK The following description of the capital stock of Oscar Health, Inc. (the “Company,” “we,” “us,” and “our”) and certain provisions of our amended and restated certificate of incorporation, as amended from time to time (the “amended and restated certificate of incorporation”) and amended and restated bylaws, as amended from time to time (the “amended and res

February 24, 2023 EX-10.8

Form of Restricted Stock Unit Award Agreement under 2022 Inducement Award Plan.

OSCAR HEALTH, INC. 2022 EMPLOYMENT INDUCEMENT AWARD PLAN RESTRICTED STOCK UNIT GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the “Company”), has granted to the participant listed below (“Participant”) the Restricted Stock Units (the “RSUs”) described in this Restricted Stock Unit Grant Notice (this “Grant Notice”), subject to the terms and conditions of the Oscar Health, Inc. 2022 Emplo

February 24, 2023 EX-21.1

List of Subsidiaries of Oscar Health, Inc.

Exhibit 21.1 Subsidiaries of Oscar Health, Inc. Legal Name Jurisdiction of Incorporation or Organization Mulberry Insurance Agency, Inc. New York Oscar Management Corporation1 Delaware Oscar Buckeye State Insurance Corporation Ohio Oscar Garden State Insurance Corporation New Jersey Oscar Health Plan of California California Oscar Health Plan of Georgia Georgia Oscar Health Plan of New York, Inc.

February 9, 2023 EX-99.2

HIOSCAR.COM Oscar Health, Inc. Fourth Quarter and Full Year 2022 Earnings Presentation February 9, 2023 Safe Harbor Statement and Forward-Looking Statements 2 This presentation contains forward-looking statements within the meaning of the Private Sec

EX-99.2 3 a4q22earningspresentatio.htm EX-99.2 HIOSCAR.COM Oscar Health, Inc. Fourth Quarter and Full Year 2022 Earnings Presentation February 9, 2023 Safe Harbor Statement and Forward-Looking Statements 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact containe

February 9, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): February 9, 2023 Oscar Health, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): February 9, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

February 9, 2023 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended December 31, Year Ended December 31, 2022 2021 2022 2021 Direct and Assumed Policy Premiums (in thousands) $ 1,784,012 $ 872,904 $ 6,842,439 $ 3,436,626 Medical Loss Ratio 91.6 % 97.9 % 85

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Fourth Quarter and Full Year 2022 February 9, 2023 •Membership as of December 31, 2022 of 1,151,483, a 93% increase YoY •For the year ended December 31, 2022: ◦Direct and Assumed Policy Premiums of $6.8 billion, a 99% increase YoY ◦Premiums earned of $3.9 billion, a 111% increase YoY ◦Medical Loss Ratio of 85.3%, a 3

February 9, 2023 SC 13G/A

OSCR / Oscar Health Inc / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 1)* Name of issuer: Oscar Health Inc. Class A Title of Class of Securities: Common Stock CUSIP Number: 687793109 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursuant to which this Schedule is fi

January 9, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 9, 2023 Oscar Health, Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 9, 2023 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

December 13, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 7, 2022 Oscar Health, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 7, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

December 7, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 6, 2022 Oscar Health, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 6, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

November 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-

November 9, 2022 EX-10.2

Amendment to Employment Agreement, by and between Oscar Health, Inc., Oscar Management Corporation and R. Scott Blackley, dated November 8, 2022

DocuSign Envelope ID: C5CFA07A-7A02-483C-BAE1-26C7F19E70E2 SECOND AMENDMENT TO EMPLOYMENT AGREEMENT THIS SECOND AMENDMENT TO EMPLOYMENT AGREEMENT (this ?Amendment?) is made as of November 8, 2022 (the ?Amendment Effective Date?), by and between Oscar Health, Inc.

November 9, 2022 EX-10.1

Letter Agreement, by and between Oscar Management Corporation and Siddhartha Sankaran, dated November 8, 2022

DocuSign Envelope ID: 5EE2FF7F-8BD5-4F71-8752-BB90039BB1C1 Oscar Management Corporation 75 Varick Street, 5th floor New York, NY 10013 November 8, 2022 Sid Sankaran Dear Sid: As you know, on November 7, 2022, the Board of Directors (the ?Board?) of Oscar Health, Inc.

November 8, 2022 EX-99.2

HIOSCAR.COM Oscar Health, Inc. Third Quarter 2022 Earnings Presentation November 8, 2022 Safe Harbor Statement and Forward-Looking Statements 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigat

a3q22earningspresentatio HIOSCAR.COM Oscar Health, Inc. Third Quarter 2022 Earnings Presentation November 8, 2022 Safe Harbor Statement and Forward-Looking Statements 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking statemen

November 8, 2022 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Direct and Assumed Policy Premiums (in thousands) $ 1,682,289 $ 899,237 $ 5,058,427 $ 2,563,722 Medical Loss Ratio 89.9 %

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Third Quarter 2022 November 8, 2022 •Membership as of September 30, 2022 of 1,075,445, an 81% increase YoY •For the quarter ended September 30, 2022: ◦Direct and assumed policy premiums of $1.7 billion, an 87% increase YoY ◦Premiums earned of $954 million, a 116% increase YoY ◦Medical Loss Ratio of 89.9%, decreased 9

November 8, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): November 8, 2022 Oscar Health, In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): November 8, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fil

September 8, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 8, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

August 30, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 30, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

August 12, 2022 EX-4.2

Thirteenth Amended and Restated Investors' Rights Agreement, dated as of May 3, 2022, by and among Oscar Health, Inc. and the investors party thereto

Execution Version THIRTEENTH AMENDED AND RESTATED INVESTORS? RIGHTS AGREEMENT May 3, 2022 This THIRTEENTH AMENDED AND RESTATED INVESTORS? RIGHTS AGREEMENT (the ?Agreement?) is made, entered into and effective as of May 3, 2022 (the ?Effective Time?), by and among Oscar Health, Inc.

August 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154

August 12, 2022 EX-FILING FEES

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1?Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount to be Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Class A common stock,

August 12, 2022 S-8

Power of Attorney (included on the signature page of the Registration Statement)

As filed with the United States Securities and Exchange Commission on August 12, 2022 Registration No.

August 11, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 11, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

August 11, 2022 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 Direct and Assumed Policy Premiums (in thousands) $ 1,694,927 $ 841,260 $ 3,376,138 $ 1,664,485 Medical Loss Ratio 82.2 % 82.4 % 79.9

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Second Quarter 2022 August 11, 2022 ?Membership as of June 30, 2022 of 1,036,720, an 84% increase YoY ?For the quarter ended June 30, 2022: ?Direct and assumed policy premiums of $1.7 billion, a 101% increase YoY ?Premiums earned of $995 million, a 88% increase YoY ?Medical Loss Ratio of 82.2%, decreased 20 bps YoY ?

August 11, 2022 EX-99.2

HIOSCAR.COM Oscar Health, Inc. Second Quarter 2022 Earnings Presentation August 11, 2022 Safe Harbor Statement and Forward-Looking Statements 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigat

HIOSCAR.COM Oscar Health, Inc. Second Quarter 2022 Earnings Presentation August 11, 2022 Safe Harbor Statement and Forward-Looking Statements 2 This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking statements. These statements incl

June 14, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 9, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

May 24, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Ame

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confide

May 12, 2022 EX-10.3

Consulting Agreement, dated as of March 7, 2022, by and between Oscar Health, Inc. and Meghan Joyce

DocuSign Envelope ID: 0FA7D3D2-CAA2-4519-B0A1-9822D7B24C4B CONSULTING AGREEMENT THIS CONSULTING AGREEMENT (this ?Agreement?), dated as of March 7, 2022, by and between Oscar Health, Inc.

May 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-4015

May 10, 2022 EX-99.2

HIOSCAR.COMMay 10, 2022 Oscar Health, Inc. First Quarter 2022 Earnings Presentation HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities

HIOSCAR.COMMay 10, 2022 Oscar Health, Inc. First Quarter 2022 Earnings Presentation HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking statements. These statemen

May 10, 2022 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended March 31, 2022 2021 Direct and Assumed Policy Premiums (in thousands) $ 1,681,211 $ 823,225 Medical Loss Ratio 77.4 % 74.4 % InsuranceCo Administrative Expense Ratio 19.8 % 19.8 % Insuranc

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for First Quarter 2022 May 10, 2022 ?Membership as of March 31, 2022 of 1,073,595, a 98% increase YoY ?For the quarter ended March 31, 2022: ?Direct and assumed policy premiums of $1.7 billion, a 104% increase YoY ?Premiums earned of $955 million, a 159% increase YoY ?Medical Loss Ratio of 77.4%, increased 300 bps YoY ?I

May 10, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 10, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

April 26, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 26, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amend

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 11, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 5, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File N

April 8, 2022 EX-FILING FEES

Filing Fee Table

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1?Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount to be Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Class A common stock,

April 8, 2022 EX-99.1

Oscar Health, Inc. 2022 Employee Inducement Incentive Award Plan

Exhibit 99.1 OSCAR HEALTH, INC. 2022 EMPLOYMENT INDUCEMENT INCENTIVE AWARD PLAN ARTICLE I. PURPOSE The Plan?s purpose is to enhance the Company?s ability to attract, retain and motivate Eligible Individuals who are expected to make important contributions to the Company by providing these individuals with equity ownership opportunities and/or equity-linked compensatory opportunities. Capitalized t

April 8, 2022 S-8

As filed with the United States Securities and Exchange Commission on April 8, 2022

As filed with the United States Securities and Exchange Commission on April 8, 2022 Registration No.

March 24, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 24, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

March 9, 2022 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 9, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File N

March 8, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 7, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File N

February 25, 2022 EX-10.11

Employment Agreement, by and between Oscar Health, Inc., Oscar Management Corporation (formerly Mulberry Management Corporation) and Alessandrea Quane, in effect as of March 1, 2021.

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?), dated as of March 1, 2021 (the ?Effective Date?), is entered into by and between Oscar Health, Inc.

February 25, 2022 EX-10.16

Deferred Compensation Plan for Directors.

OSCAR HEALTH, INC. DEFERRED COMPENSATION PLAN FOR DIRECTORS Effective as of February 17, 2022 |US-DOCS\127822628.2|| TABLE OF CONTENTS Page(s) Article I. DEFINITIONS 1 Article II. PURPOSE; DEFERRAL elections 3 Article III. DEFERRED COMPENSATION ACCOUNTS 4 Article IV. PAYMENT OF DEFERRED COMPENSATION 5 Article V. ADMINISTRATION; EFFECTIVENESS, AMENDMENT AND TERMINATION OF PLAN 6 Article VI. Miscell

February 25, 2022 EX-4.4

Twelfth Amended and Restated Investors’ Rights Agreement, by and among Oscar Health, Inc. and certain security holders of Oscar Health, Inc.

TWELFTH AMENDED AND RESTATED INVESTORS? RIGHTS AGREEMENT This TWELFTH AMENDED AND RESTATED INVESTORS? RIGHTS AGREEMENT (the ?Agreement?) is made by and among Oscar Health, Inc.

February 25, 2022 EX-10.12

Letter Agreement, by and between Oscar Insurance Corporation, Oscar Health, Inc. (formerly Mulberry Health Inc.), and Siddhartha Sankaran, dated August 6, 2020.

DocuSign Envelope ID: AD002E48-A186-4020-B67C-2F2AD414DD4F OSCAR INSURANCE CORPORATION 295 LAFAYETTE STREET, 6TH FLOOR NEW YORK, NY 10012 August 6, 2020 Sid Sankaran #### VIA EMAIL Dear Sid: Oscar Insurance Corporation including its parent and affiliates (together, the ?Company?), and Mulberry Health Inc.

February 25, 2022 EX-21.1

List of Subsidiaries of Oscar Health, Inc.

Exhibit 21.1 Subsidiaries of Oscar Health, Inc. Legal Name Jurisdiction of Incorporation or Organization Mulberry Insurance Agency, Inc. New York Oscar Management Corporation1 Delaware Oscar Buckeye State Insurance Corporation Ohio Oscar Garden State Insurance Corporation New Jersey Oscar Health Plan of California California Oscar Health Plan of Georgia Georgia Oscar Health Plan of New York, Inc.

February 25, 2022 EX-4.5

Description of Capital Stock.

Exhibit 4.5 DESCRIPTION OF CAPITAL STOCK The following description of the capital stock of Oscar Health, Inc. (the ?Company,? ?we,? ?us,? and ?our?) and certain provisions of our amended and restated certificate of incorporation, as amended from time to time (the ?amended and restated certificate of incorporation?) and amended and restated bylaws, as amended from time to time (the ?amended and res

February 25, 2022 EX-10.13

Amendment to Stock Option and Letter Agreement, by and between Oscar Health, Inc. and Siddhartha Sankaran, dated March 5, 2021.

OSCAR HEALTH, INC. AMENDMENT TO STOCK OPTION AND LETTER AGREEMENTS Name: Sid Sankaran Date of Amendment: March 5, 2021 In connection with your appointment to the Board of Directors (the ?Board?) of Oscar Health, Inc. (the ?Company?) on February 5, 2021, the Company has decided to amend certain terms and conditions of your service with the Company, including the vesting schedule set forth in the st

February 25, 2022 EX-FILING FEES

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) Oscar Health, Inc.

February 25, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154 Osc

February 25, 2022 S-8

Form S-8

S-8 1 d118203ds8.htm S-8 As filed with the United States Securities and Exchange Commission on February 25, 2022 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT Under THE SECURITIES ACT OF 1933 OSCAR HEALTH, INC. (Exact Name of Registrant as Specified in its Charter) Delaware 46-1315570 (State or other jurisdiction of in

February 15, 2022 EX-99.1

Joint Filing Agreement

EX-99.1 CUSIP No. 687793109 13G Page 21 of 22 Exhibit 1 Joint Filing Agreement Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, the undersigned hereby agree that only one statement containing the information required by Schedule 13G need be filed with respect to the ownership by each of the undersigned of shares of Oscar Health, Inc. EXECUTED this 14th day of February, 2022.

February 15, 2022 SC 13G

OSCR / Oscar Health Inc / General Catalyst Group Management Holdings GP, LLC - SC 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO ? 240.13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO ? 240.13d-2 Under the Securities Exchange Act of 1934 (Amendment No. )* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securiti

February 14, 2022 SC 13G

OSCR / Oscar Health Inc / CapitalG 2015 LP Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, par value $0.00001 per share (Title of Class of Securities) 687793109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate

February 14, 2022 EX-99.1

JOINT FILING AGREEMENT

Exhibit 99.1 JOINT FILING AGREEMENT The undersigned hereby agree that a single Schedule 13G (or any amendment thereto) relating to the Class A Common Stock of Oscar Health, Inc. shall be filed on behalf of each of the undersigned and that this Agreement shall be filed as an exhibit to such Schedule 13G. Date: February 14, 2022 CAPITALG 2015 LP By: CapitalG 2015 GP LLC its General Partner By: /s/ B

February 14, 2022 SC 13G

OSCR / Oscar Health Inc / Khosla Ventures IV, L.P. - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 14, 2022 EX-99.1

JOINT FILING AGREEMENT

Exhibit 99.1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that only one statement containing the information required by Schedule 13G need be filed with respect to the ownership by each of the undersigned of the shares of Common Stock of Oscar Health, Inc. Dated: February 14, 2022 KHOSLA VENTURES IV, LP By:

February 14, 2022 EX-99.2

POWER OF ATTORNEY

Exhibit 99.2 POWER OF ATTORNEY Know all by these presents, that each of the undersigned hereby makes, constitutes and appoints each of Bryan S. Keighery and Christopher A. Rose, or either of them acting singly, and with full power of substitution and resubstitution, the undersigned?s true and lawful attorney-in-fact (each of such persons and their substitutes being referred to herein as the ?Attor

February 14, 2022 SC 13G

OSCR / Oscar Health Inc / Founders Fund V, LP - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. ) Under the Securities Exchange Act of 1934 oscar health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securities) 687793109 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate

February 10, 2022 EX-99.2

HIOSCAR.COM Oscar Health, Inc. Fourth Quarter and Full Year 2021 Earnings Presentation February 10, 2022 HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of th

HIOSCAR.COM Oscar Health, Inc. Fourth Quarter and Full Year 2021 Earnings Presentation February 10, 2022 HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking state

February 10, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): February 10, 2022 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

February 10, 2022 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended December 31, Year Ended December 31, 2021 2020 2021 2020 Direct and assumed premiums (in thousands) $ 872,904 $ 550,351 $ 3,436,626 $ 2,287,618 Medical Loss Ratio 97.9 % 107.9 % 88.9 % 84.

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Fourth Quarter and Full Year 2021 February 10, 2022 ?Membership as of December 31, 2021 of 598,169, a 49% increase YoY ?For the year ended December 31, 2021: ?Direct and assumed premiums of $3,437 million, a 50% increase YoY ?Premiums earned of $1,831 million, a 302% increase YoY ?Net loss of $571 million, an increas

February 10, 2022 SC 13G

OSCR / Oscar Health Inc / VANGUARD GROUP INC - SCHEDULE 13G Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: Oscar Health Inc. Class A Title of Class of Securities: Common Stock CUSIP Number: 687793109 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 13d-1(b)

February 4, 2022 EX-99.1

JOINT FILING AGREEMENT

Exhibit 1 JOINT FILING AGREEMENT The persons below hereby agree that the Schedule 13D to which this agreement is attached as an exhibit, as well as all future amendments to such Schedule 13D, shall be filed jointly on behalf of each of them.

February 4, 2022 SC 13D/A

OSCR / Oscar Health Inc / Thrive Capital Partners III, L.P. - SC 13D/A Activist Investment

SC 13D/A SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13D UNDER THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 2)* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securities) 687793109 (CUSIP Number) Jed Feldman c/o Thrive Capital, 295 Lafayette Street, Suite 701 New York, NY 10012 646-680-0240 (Name, Address and T

February 4, 2022 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 3, 2022 Oscar Health, Inc.

February 4, 2022 EX-4.1

Indenture, dated as of February 3, 2022, between Oscar Health, Inc. and U.S. Bank National Association, as Trustee.

Exhibit 4.1 OSCAR HEALTH, INC. and U.S. BANK NATIONAL ASSOCIATION as Trustee INDENTURE Dated as of February 3, 2022 7.25% Convertible Senior Notes due 2031 TABLE OF CONTENTS Page Article 1. Definitions; Rules of Construction 1 Section 1.01. Definitions 1 Section 1.02. Other Definitions 13 Section 1.03. Rules of Construction 14 Article 2. The Notes 14 Section 2.01. Form, Dating and Denominations 14

January 28, 2022 EX-99.1

1

EX-99.1 4 d295319dex991.htm EX-99.1 Exhibit 99.1 Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Delivers Historic Growth, Issues Guidance for 2022 of More than $6B in Premiums • Total enrollment for 2022 tops one million members across the Oscar platform • Provides 2022 guidance, which includes premiums of $6.1 to $6.4 billion, representing more than 80% year-over-year (“YoY”) growth

January 28, 2022 EX-10.2

Credit Agreement, dated as of February 21, 2021, as amended by the First Amendment to Credit Agreement, dated as of February 27, 2022, by and among Oscar Health, Inc., as borrower, the several lenders from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, among others.

EX-10.2 3 d295319dex102.htm EX-10.2 Exhibit 10.2 Execution Version FIRST AMENDMENT TO CREDIT AGREEMENT FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of January 27, 2022 (this “Amendment”), by and among OSCAR HEALTH, INC., a Delaware corporation (the “Borrower”), each other Loan Party that is party hereto, WELLS FARGO BANK, NATIONAL ASSOCIATION, as administrative agent (in such capacity, the “Agent

January 28, 2022 EX-10.1

Investment Agreement, dated as of January 27, 2022, by and among Oscar Health, Inc. and Oasis FD Holdings, LP., Thrive Capital Partners VII Growth, L.P., Claremount VII Associates, L.P., LionTree Investment Fund, L.P. and Tenere Capital Master Fund, LP.

EX-10.1 2 d295319dex101.htm EX-10.1 Exhibit 10.1 INVESTMENT AGREEMENT by and among OSCAR HEALTH, INC. and THE PURCHASERS IDENTIFIED HEREIN Dated as of January 27, 2022 Table of Contents Page ARTICLE I DEFINITIONS 1 Section 1.01. Definitions 1 Section 1.02. General Interpretive Principles 7 ARTICLE II SALE AND PURCHASE OF THE NOTES 8 Section 2.01. Sale and Purchase of the Notes 8 Section 2.02. Clos

January 28, 2022 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2022 Oscar Health, Inc.

December 23, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): December 17, 2021 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-

November 10, 2021 EX-99.2

HIOSCAR.COM Oscar Health, Inc. Third Quarter 2021 Earnings Presentation November 10, 2021 HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Secur

HIOSCAR.COM Oscar Health, Inc. Third Quarter 2021 Earnings Presentation November 10, 2021 HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking statements. These st

November 10, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): November 10, 2021 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 10, 2021 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended September 30, Nine Months Ended September 30, 2021 2020 2021 2020 Direct Policy Premiums (in thousands) $ 895,407 $ 584,811 $ 2,554,296 $ 1,737,267 Medical Loss Ratio 99.7 % 90.5 % 85.8 %

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Third Quarter 2021 November 10, 2021 ?Membership as of September 30, 2021 of 594,284, a 41% increase YoY ?For the quarter ended September 30, 2021: ?Direct policy premiums of $895.4 million, a 53.1% increase YoY ?Premiums earned of $441.7 million, a 345.6% increase YoY ?Medical Loss Ratio of 99.7%, increased 920 bps

September 16, 2021 SC 13D/A

OSCR / Oscar Health Inc / Thrive Capital Partners III, L.P. - SC 13D/A Activist Investment

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13D UNDER THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. 1)* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securities) 687793109 (CUSIP Number) Jed Feldman c/o Thrive Capital, 295 Lafayette Street, Suite 701 New York, NY 10012 646-680-0240 (Name, Address and Telephone

September 16, 2021 EX-99.1

JOINT FILING AGREEMENT

Exhibit 1 JOINT FILING AGREEMENT The persons below hereby agree that the Schedule 13D to which this agreement is attached as an exhibit, as well as all future amendments to such Schedule 13D, shall be filed jointly on behalf of each of them.

September 3, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 31, 2021 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

August 30, 2021 SC 13D

OSCR / Oscar Health Inc / Thrive Capital Partners III, L.P. - SC 13D Activist Investment

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13D UNDER THE SECURITIES EXCHANGE ACT OF 1934 (Amendment No. )* Oscar Health, Inc. (Name of Issuer) Class A Common Stock, $0.00001 par value per share (Title of Class of Securities) 687793109 (CUSIP Number) Jed Feldman c/o Thrive Capital, 295 Lafayette Street, Suite 701 New York, NY 10012 646-680-0240 (Name, Address and Telephone N

August 30, 2021 EX-99.1

JOINT FILING AGREEMENT

Exhibit 1 JOINT FILING AGREEMENT The persons below hereby agree that the Schedule 13D to which this agreement is attached as an exhibit, as well as all future amendments to such Schedule 13D, shall be filed jointly on behalf of each of them.

August 13, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40154

August 13, 2021 EX-10.1

Amendment to Employment Agreement, by and between Oscar Health, Inc., Oscar Management Corporation and R. Scott Blackley, dated July 13, 2021.

AMENDMENT TO EMPLOYMENT AGREEMENT THIS AMENDMENT TO EMPLOYMENT AGREEMENT (this ?Amendment?) is made as of July 13th, 2021 (the ?Effective Date?), by and between Oscar Health, Inc.

August 12, 2021 EX-99.2

HIOSCAR.COM Oscar Health, Inc. Second Quarter 2021 Earnings Presentation August 12, 2021 HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securi

HIOSCAR.COM Oscar Health, Inc. Second Quarter 2021 Earnings Presentation August 12, 2021 HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking statements. These sta

August 12, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): August 12, 2021 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File

August 12, 2021 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended June 30, Six Months Ended June 30, 2021 2020 2021 2020 Direct Policy Premiums (in thousands) $ 838,075 $ 580,445 $ 1,658,889 $ 1,152,456 Medical Loss Ratio 82.4 % 60.7 % 78.7 % 71.3 % Insu

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for Second Quarter 2021 August 12, 2021 ?Membership as of June 30, 2021 of 563,114, a 34.9% increase YoY ?For the quarter ended June 30, 2021: ?Direct policy premiums of $838.1 million, a 44.4% increase YoY ?Premiums earned of $528.2 million, a 364.3% increase YoY ?Medical Loss Ratio of 82.4%, increased 2170 bps YoY ?Ins

May 14, 2021 EX-10.21

Amendment No. 1 to Quota Share Reinsurance Agreement, by and between Oscar Insurance Company of Florida and Axa France Vie

CERTAIN INFORMATION IN THIS DOCUMENT, MARKED BY [***] HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(b)(10)(iv).

May 14, 2021 EX-10.9

Employment Agreement, by and between Oscar Health, Inc., Oscar Management Corporation (formerly Mulberry Management Corporation) and Joel Klein, in effect as of March 5, 2021.

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is entered into by and between Oscar Health, Inc.

May 14, 2021 EX-10.3

Form of Stock Option Award Agreement under 2021 Incentive Award Plan.

OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN STOCK OPTION GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the ?Company?) has granted to the participant listed below (?Participant?) the stock option (the ?Option?) described in this Stock Option Grant Notice (the ?Grant Notice?), subject to the terms and conditions of the Oscar Health, Inc. 2021 Incentive Award Plan (as amended from time to

May 14, 2021 EX-10.2

Oscar Health, Inc. 2021 Incentive Award Plan.

OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN ARTICLE I. PURPOSE The Plan?s purpose is to enhance the Company?s ability to attract, retain and motivate persons who make (or are expected to make) important contributions to the Company by providing these individuals with equity ownership opportunities and/or equity-linked compensatory opportunities. Capitalized terms used in the Plan are defined in A

May 14, 2021 EX-10.10

by and between Oscar Health, Inc., Oscar Management Corporation (formerly Mulberry Management Corporation) and Alessandrea Quane, in effect as of

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?), dated as of March 1, 2021 (the ?Effective Date?), is entered into by and between Oscar Health, Inc.

May 14, 2021 EX-10.6

Oscar Health, Inc. 2021 Employee Stock Purchase Plan.

OSCAR HEALTH, INC. 2021 EMPLOYEE STOCK PURCHASE PLAN Article I. PURPOSE The purposes of this Oscar Health, Inc. 2021 Employee Stock Purchase Plan (as it may be amended or restated from time to time, the ?Plan?) are to assist Eligible Employees of Oscar Health, Inc., a Delaware corporation (the ?Company?), and its Designated Subsidiaries in acquiring a stock ownership interest in the Company pursua

May 14, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-4015

May 14, 2021 EX-10.8

Employment Agreement, by and between Oscar Health, Inc., Mulberry Management Corporation and Meghan Joyce, in effect as of March 5, 2021.

EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is entered into by and between Oscar Health, Inc.

May 14, 2021 EX-10.1

Oscar Health, Inc. Amended and Restated 2012 Stock Plan.

Oscar Health, Inc. 2012 Stock Plan Adopted on December 6, 2012 Amended and Restated on March 2, 2021 |US-DOCS\121370282.2|| TABLE OF CONTENTS Page SECTION 1. ESTABLISHMENT AND PURPOSE 1 SECTION 2. ADMINISTRATION 1 (a) Committees of the Board of Directors 1 (b) Authority of the Board of Directors 1 SECTION 3. ELIGIBILITY 1 (a) General Rule 1 (b) TenPercent Stockholders 1 SECTION 4. STOCK SUBJECT TO

May 13, 2021 EX-99.2

HIOSCAR.COM Oscar Health, Inc. First Quarter 2021 Earnings Presentation May 13, 2021 Cover with Illustrations HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning

HIOSCAR.COM Oscar Health, Inc. First Quarter 2021 Earnings Presentation May 13, 2021 Cover with Illustrations HIOSCAR.COM 2 Safe Harbor Statement and Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact contained herein are forward-looking

May 13, 2021 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 13, 2021 Oscar Health, Inc. (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): May 13, 2021 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File Nu

May 13, 2021 EX-99.1

Key Metrics and Non-GAAP Financial Metrics Three Months Ended March 31, 2021 2020 Members 542,220 420,552 Direct Policy Premiums (in thousands) $ 820,814 $ 572,011 Medical Loss Ratio 74.4 % 81.1 % InsuranceCo Administrative Expense Ratio 19.8 % 23.6

Oscar Health, Inc. ir.hioscar.com News Release Oscar Health Announces Results for First Quarter 2021 May 13, 2021 ?Membership as of March 31, 2021 of 542,220, a 28.9% increase YoY ?For the quarter ended March 31, 2021: ?Direct policy premiums of $820.8 million, a 43.5% increase YoY ?Premiums earned of $368.5 million, a 332.5% increase YoY ?Medical Loss Ratio of 74.4%, improved 670 bps YoY ?Insuran

March 8, 2021 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of report (Date of earliest event reported): March 3, 2021 Oscar Health, Inc. (Exact Name of Registrant as Specified in its Charter) Delaware 001-40154 46-1315570 (State or Other Jurisdiction of Incorporation) (Commission File N

March 8, 2021 EX-3.2

Amended and Restated Bylaws of Oscar Health, Inc.

Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF OSCAR HEALTH, INC. 1 CONTENTS Page ARTICLE I. CORPORATE OFFICES 1 Section 1.01 Registered Office 1 Section 1.02 OTHER OFFICES 1 ARTICLE II. MEETINGS OF STOCKHOLDERS 1 Section 2.01 Place of Meetings 1 Section 2.02 Annual Meetings 1 Section 2.03 Special Meetings 1 Section 2.04 Notice of Meetings 2 Section 2.05 Adjournments 2 Section 2.06 Quorum 2 Section 2.

March 8, 2021 EX-3.1

Amended and Restated Certificate of Incorporation of Oscar Health, Inc.

Exhibit 3.1 AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF OSCAR HEALTH, INC. Oscar Health, Inc., a corporation organized and existing under the laws of the State of Delaware, hereby certifies as follows: 1. The Corporation was originally incorporated pursuant to the General Corporation Law of the State of Delaware (the ?DGCL?) on October 25, 2012, under the name Mulberry Health Inc. 2. The

March 4, 2021 424B4

37,041,026 Shares Class A Common Stock

424B4 Table of Contents Filed Pursuant to Rule 424(b)(4) Registration No. 333-252809 37,041,026 Shares Class A Common Stock This is the initial public offering of shares of Class A common stock of Oscar Health, Inc. We are selling 36,391,946 shares of Class A common stock, and the selling stockholders named in this prospectus are selling 649,080 shares of Class A common stock. We will not receive

March 3, 2021 8-A12B

Form 8-A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Oscar Health, Inc. (Exact name of registrant as specified in its charter) Delaware 46-1315570 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 75

March 3, 2021 S-8

Form S-8

As filed with the Securities and Exchange Commission on March 3, 2021 Registration No.

March 3, 2021 EX-4.4

Specimen Class B Common Stock Certificate of Oscar Health, Inc.

Exhibit 4.4 NUMBER SPECIMEN - NOT NEGOTIABLE COUNTERSIGNED AND REGISTERED: AMERICAN STOCK TRANSFER & TRUST COMPANY, LLC BROOKLYN, NY TRANSFER AGENT AND REGISTRAR BY: AUTHORIZED SIGNATURE Dated: SPECIMEN not negotiable SHARES CLASS B COMMON STOCK SEE REVERSE FOR CERTAIN DEFINITIONS INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE CUSIP This Certifies That: is the owner of FULLY PAID AND NON-ASS

March 2, 2021 S-1/A

- S-1/A

Table of Contents As filed with the Securities and Exchange Commission on March 2, 2021 Registration No.

March 2, 2021 S-1MEF

- S-1MEF

As filed with the Securities and Exchange Commission on March 2, 2021 Registration No.

February 26, 2021 CORRESP

-

February 26, 2021 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Oscar Health, Inc. Registration Statement on Form S-1 Registration No. 333-252809 Acceleration Request Requested Date: March 2, 2021 Requested Time: 4:00 PM, Eastern Time Ladies and Gentlemen: In accordance with Rule 461 under the Securities Act of 1933,

February 26, 2021 CORRESP

-

Oscar Health, Inc. 75 Varick Street, 5th Floor New York, New York 10013 February 26, 2021 VIA EDGAR TRANSMISSION Division of Corporate Finance United States Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549-6010 Attention: Tonya K. Aldave and John Dana Brown Re: Oscar Health, Inc. Registration Statement on Form S-1 (Registration No. 333-252809) Request for Acceleration o

February 25, 2021 CORRESP

-

53rd at Third 885 Third Avenue New York, New York 10022-4834 Tel: +1.212.906.1200 Fax: +1.212.751.4864 www.lw.com FIRM / AFFILIATE OFFICES February 25, 2021 VIA EDGAR AND FEDEX DELIVERY United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549-6010 Beijing Boston Brussels Century City Chicago Dubai D?seldorf Frankfurt Hamburg Hong Ko

February 25, 2021 EX-1.1

Form of Underwriting Agreement.

Exhibit 1.1 Oscar Health, Inc. Common Stock Underwriting Agreement [ ? ], 2021 Goldman Sachs & Co. LLC, Morgan Stanley & Co. LLC, As representatives (the ?Representatives?) of the several Underwriters named in Schedule I hereto, c/o Goldman Sachs & Co. LLC, 200 West Street, New York, New York 10282-2198 c/o Morgan Stanley & Co. LLC, 1585 Broadway New York, New York 10036 Ladies and Gentlemen: Osca

February 25, 2021 S-1/A

- S-1/A

Table of Contents As filed with the Securities and Exchange Commission on February 25, 2021 Registration No.

February 22, 2021 EX-10.20

Form of Employment Agreement, by and between Oscar Health, Inc., Mulberry Management Corporation and Joel Klein, to be in effect upon the consummation of this offering.

Exhibit 10.20 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this ?Agreement?) is entered into by and between Oscar Health, Inc., a Delaware corporation (?Holdings?) and Mulberry Management Corporation (?OpCo? and, together with Holdings, the ?Company?) and Joel Klein (the ?Executive?). WHEREAS, the Company desires to continue to employ the Executive and the Company and the Executive desires to e

February 22, 2021 EX-10.14

Form of Founders’ Performance Restricted Stock Unit Award Agreement Under 2021 Incentive Award Plan.

Exhibit 10.14 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the ?Company?), has granted to the participant listed below (?Participant?) the performance-based Restricted Stock Units (the ?PSUs?) described in this Performance-Based Restricted Stock Unit Grant Notice (this ?Grant Notice?), subject to the t

February 22, 2021 CORRESP

-

CORRESP 1 filename1.htm 53rd at Third 885 Third Avenue New York, New York 10022-4834 Tel: +1.212.906.1200 Fax: +1.212.751.4864 www.lw.com FIRM / AFFILIATE OFFICES Beijing Moscow Boston Munich Brussels New York February 22, 2021 Century City Orange County Chicago Paris Dubai Riyadh Düsseldorf San Diego VIA EDGAR AND FEDEX DELIVERY Frankfurt San Francisco Hamburg Seoul Hong Kong Shanghai United Stat

February 22, 2021 EX-16.1

Letter Regarding Change in Accountants of Deloitte & Touche LLP.

EX-16.1 16 d28906dex161.htm EX-16.1 Exhibit 16.1 February 22, 2021 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549-7561 Dear Sirs/Madams: We have read the Change in Accountants disclosure of Oscar Health, Inc.’s (formerly Mulberry Health Inc.) Form S-1 dated February 22, 2021, and we agree with the statements made therein. Yours truly, /s/ DELOITTE & TOUCHE LLP

February 22, 2021 EX-10.19

Form of Employment Agreement, by and between Oscar Health, Inc., Mulberry Management Corporation and Meghan Joyce, to be in effect upon the consummation of this offering.

EX-10.19 11 d28906dex1019.htm EX-10.19 Exhibit 10.19 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is entered into by and between Oscar Health, Inc., a Delaware corporation (“Holdings”) and Mulberry Management Corporation (“OpCo” and, together with Holdings, the “Company”) and Meghan Joyce (the “Executive”). WHEREAS, the Company desires to continue to employ the Executive and t

February 22, 2021 EX-10.28

Director Compensation Program.

Exhibit 10.28 OSCAR HEALTH, INC. NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM Eligible Directors (as defined below) on the board of directors (the ?Board?) of Oscar Health, Inc. (the ?Company?) shall be eligible to receive cash and equity compensation as set forth in this Non-Employee Director Compensation Program (this ?Program?). The cash and equity compensation described in this Program shall be

February 22, 2021 EX-10.12

Form of Stock Option Award Agreement under 2021 Incentive Award Plan.

EX-10.12 7 d28906dex1012.htm EX-10.12 Exhibit 10.12 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN STOCK OPTION GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the “Company”) has granted to the participant listed below (“Participant”) the stock option (the “Option”) described in this Stock Option Grant Notice (the “Grant Notice”), subject to the terms and conditions of the Oscar Health, Inc

February 22, 2021 EX-10.30

Term Loan Credit Agreement, dated October 30, 2020, by and among Oscar Health, Inc. (formerly Mulberry Health Inc.), as borrower, the several lenders from time to time parties thereto, and HPS Investment Partners, LLC, as administrative agent, as amended.

Exhibit 10.30 Execution Version FIRST AMENDMENT TO CREDIT AGREEMENT This FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of February 9, 2021 (this ?Amendment?), is entered into by and among OSCAR HEALTH, INC., a Delaware corporation formerly named Mulberry Health, Inc. (the ?Borrower?), MULBERRY MANAGEMENT CORPORATION, a Delaware corporation (the ?Guarantor?), each of the lenders party to the Credit

February 22, 2021 EX-10.39

Revolving Loan Credit Agreement, dated February 21, 2021, by and among Oscar Health, Inc., as borrower, the several lenders from time to time parties thereto, and Wells Fargo Bank, National Association, as administrative agent, among others.

EX-10.39 15 d28906dex1039.htm EX-10.39 Exhibit 10.39 Execution Version CREDIT AGREEMENT dated as of February 21, 2021 among OSCAR HEALTH, INC., as Borrower, WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrative Agent and an L/C Issuer; THE LENDERS AND OTHER L/C ISSUERS PARTY HERETO; and WELLS FARGO SECURITIES, LLC, and MORGAN STANLEY SENIOR FUNDING, INC., as Joint Lead Arrangers and Joint Book

February 22, 2021 EX-16.2

Letter Regarding Change in Accountants of Grant Thornton LLP.

Exhibit 16.2 Concurrence Letter to SEC February 22, 2021 U.S. Securities and Exchange Commission Office of the Chief Accountant 100 F Street, NE Washington, DC 20549 Re: Oscar Health, Inc. Dear Sir or Madam: We have read the disclosures regarding the change in independent registered public accounting firms included under the caption ?Change in Accountants? in the Registration Statement and Prospec

February 22, 2021 EX-3.4

Form of Amended and Restated Bylaws of Oscar Health, Inc., to be in effect upon the consummation of this offering.

Exhibit 3.4 AMENDED AND RESTATED BYLAWS OF OSCAR HEALTH, INC. 1 CONTENTS Page ARTICLE I. CORPORATE OFFICES 1 Section 1.01 Registered Office 1 Section 1.02 OTHER OFFICES 1 ARTICLE II. MEETINGS OF STOCKHOLDERS 1 Section 2.01 Place of Meetings 1 Section 2.02 Annual Meetings 1 Section 2.03 Special Meetings 1 Section 2.04 Notice of Meetings 2 Section 2.05 Adjournments 2 Section 2.06 Quorum 2 Section 2.

February 22, 2021 EX-3.2

Form of Amended and Restated Certificate of Incorporation of Oscar Health, Inc., to be in effect upon the consummation of this offering.

Exhibit 3.2 AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF OSCAR HEALTH, INC. Oscar Health, Inc., a corporation organized and existing under the laws of the State of Delaware, hereby certifies as follows: 1. The Corporation was originally incorporated pursuant to the General Corporation Law of the State of Delaware (the ?DGCL?) on October 25, 2012, under the name Mulberry Health Inc. 2. The

February 22, 2021 EX-10.13

Form of Restricted Stock Unit Award Agreement under 2021 Incentive Award Plan.

EX-10.13 8 d28906dex1013.htm EX-10.13 Exhibit 10.13 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN RESTRICTED STOCK UNIT GRANT NOTICE Oscar Health, Inc., a Delaware corporation (the “Company”), has granted to the participant listed below (“Participant”) the Restricted Stock Units (the “RSUs”) described in this Restricted Stock Unit Grant Notice (this “Grant Notice”), subject to the terms and conditi

February 22, 2021 EX-4.1

Specimen Common Stock Certificate of Oscar Health, Inc.

Exhibit 4.1 OSCAR NUMBER SPECIMEN?NOT NEGOTIABLE COUNTERSIGNED AND REGISTERED: AMERICAN STOCK TRANSFER & TRUST COMPANY, LLC BROOKLYN, NY TRANSFER AGENT AND REGISTRAR BY: AUTHORIZED SIGNATURE Dated: SPECIMEN not negotiable SHARES CLASS A COMMON STOCK SEE REVERSE FOR CERTAIN DEFINITIONS INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE CUSIP This Certifies That: is the owner of FULLY PAID AND NON

February 22, 2021 EX-10.11

Oscar Health, Inc. 2021 Incentive Award Plan (incorporated herein by reference to Exhibit 99.2 to the Registrant’s Registration Statement on Form S-8 (File No. 333-253817) filed on March 3, 2021)

EX-10.11 6 d28906dex1011.htm EX-10.11 Exhibit 10.11 OSCAR HEALTH, INC. 2021 INCENTIVE AWARD PLAN1 ARTICLE I. PURPOSE The Plan’s purpose is to enhance the Company’s ability to attract, retain and motivate persons who make (or are expected to make) important contributions to the Company by providing these individuals with equity ownership opportunities and/or equity-linked compensatory opportunities

February 22, 2021 EX-10.15

Oscar Health, Inc. 2021 Employee Stock Purchase Plan.

Exhibit 10.15 OSCAR HEALTH, INC. 2021 EMPLOYEE STOCK PURCHASE PLAN1 ARTICLE I. PURPOSE The purposes of this Oscar Health, Inc. 2021 Employee Stock Purchase Plan (as it may be amended or restated from time to time, the ?Plan?) are to assist Eligible Employees of Oscar Health, Inc., a Delaware corporation (the ?Company?), and its Designated Subsidiaries in acquiring a stock ownership interest in the

February 22, 2021 S-1/A

- S-1/A

Table of Contents As filed with the Securities and Exchange Commission on February 22, 2021 Registration No.

February 5, 2021 EX-3.3

Third Amended and Restated Bylaws of Oscar Health, Inc., as in effect prior to the consummation of this offering.

EX-3.3 Exhibit 3.3 THIRD AMENDED AND RESTATED BYLAWS OF OSCAR HEALTH, INC. (A DELAWARE CORPORATION) TABLE OF CONTENTS Page ARTICLE I OFFICES 1 1.1 Registered Office 1 1.2 Offices 1 ARTICLE II MEETINGS OF STOCKHOLDERS 1 2.1 Location 1 2.2 Timing 1 2.3 Notice of Meeting 1 2.4 Stockholders’ Records 1 2.5 Special Meetings 2 2.6 Notice of Meeting 2 2.7 Business Transacted at Special Meeting 2 2.8 Quoru

February 5, 2021 EX-10.7

Form of Stock Option Award Agreement (Installment Exercise) under 2012 Stock Incentive Plan.

EX-10.7 Exhibit 10.7 MULBERRY HEALTH INC. 2012 STOCK PLAN NOTICE OF STOCK OPTION GRANT (INSTALLMENT EXERCISE) The Optionee has been granted the following option to purchase shares of the Series A Common Stock of Mulberry Health Inc.: Name of Optionee: «Name» Total Number of Shares: «TotalShares» Type of Option: «ISO» Incentive Stock Option (ISO) «NSO» Nonstatutory Stock Option (NSO) Exercise Price

February 5, 2021 EX-10.8

Stock Option Award Agreement under 2012 Stock Incentive Plan, by and between Mulberry Health Inc. and Mario Schlosser.

EX-10.8 Exhibit 10.8 MULBERRY HEALTH INC. 2012 STOCK PLAN NOTICE OF STOCK OPTION GRANT (INSTALLMENT EXERCISE) The Optionee has been granted the following option to purchase shares of the Series A Common Stock of Mulberry Health Inc.: Name of Optionee: Mario Schlosser Total Number of Shares: 13,200,000 Type of Option: Option Awards (NQ) Exercise Price per Share: $3.25 USD Date of Grant: 17-Dec-2019

February 5, 2021 EX-10.37

Quota Share Reinsurance Agreement, by and between Oscar Insurance Company of Florida and Axa France Vie

EX-10.37 Exhibit 10.37 CERTAIN INFORMATION IN THIS DOCUMENT, MARKED BY [***] HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(b)(10)(iv). SUCH EXCLUDED INFORMATION IS NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. QUOTA SHARE REINSURANCE AGREEMENT BETWEEN OSCAR INSURANCE COMPANY OF FLORIDA AND AXA FRANCE VIE EFFECTIVE: JANUARY 1, 2021 AGREEMENT

February 5, 2021 EX-10.36

Quota Share Reinsurance Agreement, by and between Oscar Insurance Corporation and National Indemnity Company, dated December 31, 2019, as amended.

EX-10.36 Exhibit 10.36 CERTAIN INFORMATION IN THIS DOCUMENT, MARKED BY [***] HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(b)(10)(iv). SUCH EXCLUDED INFORMATION IS NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE ENDORSEMENT NO. 1 TO QUOTA SHARE REINSURANCE AGREEMENT The parties to the Quota Share Reinsurance Agreement between Oscar Insurance Corporation, a New York domiciled i

February 5, 2021 EX-10.31

Quota Share Reinsurance Agreement, by and between Oscar Health Plan of California and Axa France Vie, dated December 21, 2017, as amended.

EX-10.31 Exhibit 10.31 CERTAIN INFORMATION IN THIS DOCUMENT, MARKED BY [[***]] HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(B)(10). SUCH EXCLUDED INFORMATION IS NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. AMENDMENT TO QUOTA SHARE REINSURANCE AGREEMENT BETWEEN OSCAR HEALTH PLAN OF CALIFORNIA AND AXA FRANCE VIE This Amendment to the Quota S

February 5, 2021 EX-10.25

Director Appointment Letter, by and between Oscar Health, Inc. and Elbert O’Neal Robinson Jr., dated January 20, 2021.

EX-10.25 Exhibit 10.25 OSCAR HEALTH INC. 75 VARICK STREET, 5TH FLOOR NEW YORK, NY 10013 January 14, 2021 Elbert (“Robbie”) O’Neal Robinson Jr. #### Dear Mr. Robinson: As we discussed, the requisite stockholders of Oscar Health Inc. (the “Company”) plan to elect you as a member of the Board of Directors of the Company (the “Board”), effective prior to February 1, 2021. We appreciate your willingnes

February 5, 2021 EX-10.20

Employment Agreement, by and between Oscar Health, Inc. (formerly Mulberry Management Corporation) and R. Scott Blackley, dated December 5, 2020.

EX-10.20 Exhibit 10.20 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”), dated as of December 5, 2020 (the “Effective Date”), is entered into by and between Mulberry Health Inc., a Delaware corporation (“Holdings”) and Mulberry Management Corporation (“OpCo” and, together with Holdings, the “Company”) and R. Scott Blackley (the “Executive”). WHEREAS, the Company desires to employ

February 5, 2021 EX-10.2

Warrant to Purchase Shares of Preferred Stock, by and between Mulberry Health Inc. and Venture Lending & Leasing VII, LLC, dated March 20, 2013.

EX-10.2 Exhibit 10.2 THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE BEEN ACQUIRED FOR INVESTMENT AND NOT WITH A VIEW TO, OR IN CONNECTION WITH, THE SALE AND DISTRIBUTION THEREOF, AND HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”) OR ANY STATE SECURITIES LAWS. SUCH SECURITIES MAY NOT BE SOLD OR TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN

February 5, 2021 EX-3.1

Thirteenth Amended and Restated Certificate of Incorporation of Mulberry Health Inc., as amended and as in effect prior to the consummation of this offering.

EX-3.1 Exhibit 3.1 THIRTEENTH AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF MULBERRY HEALTH INC. (Pursuant to Sections 242 and 245 of the General Corporation Law of the State of Delaware) Mulberry Health Inc., a corporation organized and existing under and by virtue of the provisions of the General Corporation Law of the State of Delaware (the “General Corporation Law”). DOES HEREBY CERTIFY

February 5, 2021 EX-10.1

Warrant to Purchase Shares of Preferred Stock, by and between Mulberry Health Inc. and Venture Lending & Leasing VI, LLC, dated March 20, 2013.

EX-10.1 Exhibit 10.1 THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE BEEN ACQUIRED FOR INVESTMENT AND NOT WITH A VIEW TO, OR IN CONNECTION WITH, THE SALE AND DISTRIBUTION THEREOF, AND HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”) OR ANY STATE SECURITIES LAWS. SUCH SECURITIES MAY NOT BE SOLD OR TRANSFERRED IN THE ABSENCE OF SUCH REGISTRATION OR AN

February 5, 2021 EX-10.17

Employment Offer Letter, by and between Mulberry Management Corporation and Meghan Joyce, dated June 26, 2019.

EX-10.17 Exhibit 10.17 oscar Mulberry Management Corporation 75 Varick St, 5th floor New York, NY 10013 June 26, 2019 Meghan Joyce #### Dear Meghan: Mulberry Management Corporation (“Oscar” or the “Company”) is pleased to offer you employment on the following terms: 1. Position. Your title will be EVP, Chief Operating Officer, and you will report to the Company’s CEO. This is a full-time position

February 5, 2021 EX-10.32

Quota Share Reinsurance Agreement, by and between Oscar Insurance Company of Texas and Axa France Vie, dated December 21, 2017, as amended.

EX-10.32 Exhibit 10.32 CERTAIN INFORMATION IN THIS DOCUMENT, MARKED BY [***] HAS BEEN EXCLUDED PURSUANT TO REGULATION S-K, ITEM 601(b)(10)(iv). SUCH EXCLUDED INFORMATION IS NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. AMENDMENT TO QUOTA SHARE REINSURANCE AGREEMENT BETWEEN OSCAR INSURANCE COMPANY AND AXA FRANCE VIE This Amendment to the Quota Share R

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