Core Insights - Elektra Health and Oscar Health have launched the first-ever menopause health plan, HelloMeno, in the ACA marketplace, aimed at providing comprehensive care for midlife women [1][2][4] Company Overview - Elektra Health is a virtual healthcare provider focused on personalized medical care for over 50 million midlife women in the U.S. navigating menopause, combining virtual care with educational resources [5] - Oscar Health is a healthcare technology company that aims to make healthcare accessible and affordable, offering individual and family plans with a focus on member engagement [6][7] Product Details - HelloMeno is designed for women over 45, providing access to clinical care, education, and support, potentially saving them up to $900 a year [2][3] - The plan includes comprehensive coverage for the whole family, with benefits specifically tailored for women experiencing menopause, emphasizing early intervention and high-value treatments [3][4] Enrollment Information - Enrollment for HelloMeno will be open from November 1, 2025, to January 15, 2026, with the plan effective from January 1, 2026, available in several states including Arizona, Florida, and Texas [4]

Company Performance - Oscar Health, Inc. (OSCR) closed at $21.03, reflecting a +1.74% increase from the previous day, outperforming the S&P 500's daily loss of 0.63% [1] - Prior to the latest trading session, shares had gained 16.32%, contrasting with the Finance sector's loss of 0.83% and the S&P 500's gain of 0.92% [1] Upcoming Earnings - The company's earnings report is scheduled for November 6, 2025, with an expected EPS of -$0.55, representing a 150% decline from the prior-year quarter [2] - The Zacks Consensus Estimate projects net sales of $3.09 billion, indicating a 27.51% increase from the year-ago period [2] Full Year Projections - For the full year, the Zacks Consensus Estimates forecast earnings of -$1.42 per share and revenue of $12.06 billion, reflecting changes of -1520% and +31.44% respectively from the prior year [3] Analyst Estimates - Recent changes to analyst estimates for Oscar Health, Inc. are important as they reflect short-term business trends [4] - Positive revisions in estimates indicate analysts' confidence in the company's performance and profit potential [4] Zacks Rank System - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has a history of outperforming, with 1 stocks returning an average annual gain of +25% since 1988 [6] - Over the last 30 days, the Zacks Consensus EPS estimate for Oscar Health, Inc. has decreased by 0.23%, and the company currently holds a Zacks Rank of 4 (Sell) [6] Industry Overview - Oscar Health, Inc. operates within the Insurance - Multi line industry, which is part of the Finance sector [7] - The current Zacks Industry Rank for this sector is 68, placing it in the top 28% of over 250 industries [7]

Core Insights - Oscar Health, Inc. (OSCR) stock closed at $20.69, reflecting a +1.42% change from the previous day, outperforming the S&P 500's loss of 0.16% [1] - The company experienced an 8.92% increase in shares over the past month, surpassing the Finance sector's decline of 1.81% and the S&P 500's gain of 1.14% [1] Earnings Expectations - Oscar Health is set to release its earnings report on November 6, 2025, with analysts predicting a loss of -$0.55 per share, indicating a year-over-year decline of 150% [2] - Revenue is expected to reach $3.09 billion, representing a 27.51% increase compared to the same quarter last year [2] Full-Year Estimates - The Zacks Consensus Estimates for Oscar Health's full-year performance forecast earnings of -$1.42 per share and revenue of $12.06 billion, reflecting year-over-year changes of -1520% and +31.44%, respectively [3] Analyst Sentiment - Recent changes in analyst estimates suggest a positive outlook on Oscar Health's business operations and profit generation capabilities [4] - The Zacks Rank system, which incorporates these estimate revisions, indicates a current rank of 3 (Hold) for Oscar Health, with no changes in the EPS estimate over the past month [6] Industry Context - Oscar Health operates within the Insurance - Multi line industry, which holds a Zacks Industry Rank of 76, placing it in the top 31% of over 250 industries [7] - The Zacks Industry Rank assesses the performance potential of industry groups based on the average Zacks Rank of individual stocks, with top-rated industries outperforming lower-rated ones by a factor of 2 to 1 [7]

Core Insights - The article introduces Charles Aractingi as a new contributing analyst for Seeking Alpha, inviting others to share their investment ideas [1] Group 1 - The analyst has a multidisciplinary focus on Politics, Philosophy, Economics, Law, and Finance, with three years of investment experience [2] - Research will center around the healthcare and technology sectors, particularly emerging and disruptive technologies [2] - A bottom-up research approach is employed, considering both qualitative and quantitative factors, including key revenue drivers and reasons for unprofitability [2] Group 2 - The analyst emphasizes the importance of management teams in creating customer value and addressing risks honestly [2] - There is a focus on businesses with clear visions and strong execution capabilities [2] - The purpose of the analysis is to provide insights on potential investment opportunities and receive feedback from others [2]

Core Insights - Oscar Health is a $5 billion digital health-insurance company expected to achieve profitability from 2023 to 2026, but analysts have downgraded their EPS forecast from a profit of $0.61 to a loss of $1.42 in recent months [1] - Next year's profit projection has also shifted from a profit of $0.54 to a loss of $0.67, while revenue consensus remains unchanged at $11.26 billion, indicating a 6.6% decline compared to this year's guidance [2] Competitive Landscape - Oscar Health faces competition from both technology-driven startups and established legacy providers, including Clover Health, Bright Health, Lemonade, NeueHealth, and Sidecar Health, all of which emphasize digital-first, member-centric insurance models [3] - The company also competes against traditional insurers like UnitedHealthcare, Blue Cross Blue Shield, and CNO Financial, highlighting a diverse competitive landscape that includes specialized insurtech firms and large payors with significant market presence [4] Market Reaction - Following the 2025 guidance update, Oscar's shares increased from $13 to $23, reflecting investor optimism despite the downward revision in profit outlook [4] - Analyst price targets have been adjusted upward, with the average target around $11, indicating over 50% downside potential, while Wells Fargo recently raised its target from $10 to $14 but maintained an Underweight rating [5] - Oscar shares have surged 75% since the revenue guidance increase, yet analysts have revised their profit forecasts downward, projecting losses instead [6]

Core Insights - Oscar Health, Inc. will release its third quarter 2025 financial results on November 6, 2025, before the market opens [1] - A conference call to discuss these results will take place at 8:00 AM (ET) on the same day [1] Company Overview - Oscar Health is a leading healthcare technology company founded in 2012, focused on making healthcare accessible and affordable [2] - The company serves approximately 2.0 million members as of June 30, 2025, through its Individual & Family plans and health technology solutions [2]

Market Overview - SMID cap growth equities saw significant gains in Q3 2025, with the Russell 2500 Growth Index increasing by 10.7% [2] - The supportive policy backdrop included a Federal Reserve rate cut, a reconciliation/tax bill, and trade deals that reduced tariffs compared to April levels [2] - The performance of SMID growth equities was comparable to large cap peers, with the Russell 1000 Growth Index rising by 10.5% and the Russell 2000 Growth Index returning 12.2% [2] Policy Environment - The policy environment became more predictable and supportive for consumers and businesses, leading to renewed confidence in capital allocation and investment decisions [3] - This shift positively impacted sectors like industrials and health care, where balance sheet strength and visible growth pipelines are key differentiators [3] Investment Landscape - Despite an improved environment, investors remained selective, particularly in consumer-sensitive industries and those facing AI disintermediation risks [4] - Many small- and mid-cap growth companies are still navigating a bottoming process, with uneven demand trends and cost pressures acting as headwinds [4] Portfolio Performance - The ClearBridge SMID Cap Growth Strategy underperformed its benchmark in Q3, with strong contributions from health care and select industrials offset by weakness in information technology and consumer discretionary sectors [5] - Notable performers included Medpace, Insmed, and Doximity in health care, while Chewy and Wingstop faced challenges in consumer discretionary [7] Portfolio Positioning - The strategy focused on adding innovative growth companies with large addressable markets, initiating positions in Avidity Biosciences and Kratos Defense [9][10] - Exited positions included Globant due to geopolitical concerns and volatility from AI adoption risks [11] Outlook - SMID cap growth stocks face near-term headwinds from consumer spending and technological advances favoring mega-cap AI beneficiaries [12] - However, Fed easing and greater policy clarity create a more constructive environment for growth execution [12] - The potential for re-acceleration in depressed subsegments of the SMID growth market is anticipated, with a focus on innovative businesses with strong balance sheets [13] Portfolio Highlights - The ClearBridge SMID Cap Growth Strategy had positive contributions from seven of the ten sectors invested, with industrials and health care being the largest contributors [14] - Stock selection in IT, consumer discretionary, and materials sectors detracted from performance, while consumer staples and health care sectors provided benefits [15] Individual Stock Performance - Key contributors to relative returns included Bloom Energy, Medpace, Comfort Systems, and Insmed, while detractors included Wingstop and Monday.com [16] New Positions - New positions initiated included CG Oncology in health care, Karman and Rocket Lab in industrials, and Credo Technology in IT [17]

Core Viewpoint - Oscar Health's stock price has experienced a significant increase due to the company's announcement of plans to integrate artificial intelligence (AI) into its operations [1] Group 1: Stock Performance - Oscar Health's stock surged to a high of $24.2 in recent weeks, indicating a strong upward trend [1]

Core Viewpoint - Oscar Health Inc. (NYSE:OSCR) has seen significant stock performance due to President Trump's decision to pause a 100 percent tariff on pharmaceutical imports, which alleviates immediate cost pressures on the company and its insurance counterparts [1][3]. Group 1: Stock Performance - Oscar Health's stock reached a high of $21.71 during the session, nearing its 52-week high of $22.78, and finished the day up by 12.34 percent at $21.66 [2]. - The stock's rally extended for a second day, reflecting positive investor sentiment following the tariff pause [1]. Group 2: Impact of Tariff Decision - Trump's decision to delay tariffs on pharmaceutical imports is part of ongoing negotiations with drugmakers to lower prescription drug prices for Americans, which benefits Oscar Health by preventing immediate premium increases [3]. - The commitments from pharmaceutical companies to invest in U.S. manufacturing facilities are expected to ease pricing pressures over time, helping Oscar Health maintain affordable insurance plans for customers [4].

Company Performance - Oscar Health, Inc. (OSCR) closed at $19.28, reflecting a +2.01% change from the previous day's closing price, outperforming the S&P 500's daily gain of 0.06% [1] - The company's shares increased by 6.9% over the past month, surpassing the Finance sector's gain of 0.8% and the S&P 500's gain of 3.94% [1] Earnings Projections - Oscar Health, Inc. is expected to report earnings of -$0.55 per share, indicating a year-over-year decline of 150% [2] - Revenue is projected at $3.09 billion, representing a 27.51% increase from the prior-year quarter [2] Annual Estimates - For the annual period, the Zacks Consensus Estimates predict earnings of -$1.42 per share and revenue of $12.06 billion, reflecting shifts of -1520% and +31.44% respectively from the last year [3] - Recent changes to analyst estimates may indicate a favorable outlook on the company's business health and profitability [3] Analyst Ratings - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), currently rates Oscar Health, Inc. at 4 (Sell) [5] - The consensus EPS projection has remained stagnant over the past 30 days [5] Industry Context - Oscar Health, Inc. operates within the Insurance - Multi line industry, which holds a Zacks Industry Rank of 82, placing it in the top 34% of over 250 industries [6] - The Zacks Industry Rank measures the strength of industry groups, with the top 50% rated industries outperforming the bottom half by a factor of 2 to 1 [6]