Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
Oscar Health, Inc. is a technology-driven health insurance company operating in the U.S. health insurance and healthcare technology industries. The company primarily offers Individual and Small Group health insurance plans, largely sold through the Affordable Care Act (ACA) marketplaces, and is positioned as a consumer-centric insurer emphasizing digital engagement, transparency, and care navigation. Oscar’s revenue is primarily generated from health insurance premiums and risk-adjustment payments tied to ACA participation.
Founded in 2012, Oscar was created to modernize health insurance through data-driven care coordination, telemedicine integration, and simplified plan design. The company went public in 2021 and has since focused on scaling its core insurance offerings while improving underwriting discipline and medical cost management. Oscar differentiates itself through its proprietary technology platform, virtual-first care model, and integrated member experience that combines insurance coverage with digital health tools.
Business Operations
Oscar operates through two primary business segments: Individual and Small Group Insurance and Oscar Health Platform. The Individual and Small Group Insurance segment generates the majority of revenue and includes ACA-compliant health plans offered to individuals, families, and small employers. Revenue is derived from member premiums, with profitability influenced by medical loss ratios, risk adjustment transfers, and operational efficiency.
The Oscar Health Platform segment licenses Oscar’s proprietary technology and services to other health plans and providers, including care navigation, provider directory management, and claims administration tools. Oscar conducts operations exclusively within the United States and maintains regulated insurance subsidiaries, including Oscar Insurance Company, which underwrites most of its health plans. The company does not currently report material international operations or joint ventures.
Strategic Position & Investments
Oscar’s strategy centers on achieving sustainable profitability in the ACA marketplace through geographic focus, disciplined pricing, and improved risk selection. Growth initiatives emphasize expansion in high-performing states, retention of existing members, and deeper integration of virtual primary care to reduce medical costs. The company has also invested in automation and data analytics to enhance claims processing and member engagement.
While Oscar has historically made minority investments in healthcare technology ventures, its recent strategic posture reflects a shift away from broad experimentation toward optimization of its core insurance business. The Oscar Health Platform remains a strategic asset intended to diversify revenue over time, though its contribution remains smaller relative to insurance operations. Data inconclusive based on available public sources regarding significant recent acquisitions.
Geographic Footprint
Oscar operates across multiple U.S. states, with market participation varying annually based on regulatory approvals and strategic focus. Its headquarters are located in New York City, with additional operational offices in New Jersey and other domestic locations supporting technology, clinical operations, and customer service.
The company’s geographic presence is concentrated in select ACA marketplace regions rather than nationwide coverage. Oscar does not have material operations outside North America, and there is no verified evidence of international insurance underwriting or overseas subsidiaries based on available public disclosures.
Leadership & Governance
Oscar was co-founded by Mario Schlosser, Kevin Nazemi, and Joshua Kushner, with a founding vision centered on redesigning health insurance around consumer needs and technology. The leadership team emphasizes data-driven decision-making, regulatory compliance, and long-term cost control while maintaining a digital-first member experience.
Key executives include:
- Mario Schlosser – Chief Executive Officer and Co-Founder
- Alessandrea Quane – Chief Financial Officer
- Mark Bertolini – Vice Chair of the Board
- Brooke McKinley – Chief Legal Officer and Corporate Secretary
- Brian Vesper – Chief Marketing Officer
The board and executive leadership oversee governance aligned with public company standards, with strategic oversight informed by healthcare, insurance, and technology expertise.