Mark T. Bertolini

@Casual_Bob_ Prayers for Bob and all of you.

Hi Im Bob's sister Sharon. I wanted to jump on to let everyone know Bob passed away on 3/16. Bob had colon cancer for the last 7 yrs & handled it with strength and a hopeful spirit. This music community kept him entertained on long days. He loved it. We will miss him terribly.

@gfvf1021 We do not share that information.

@mtbert Good Afternoon Mark… Quick question.. For our AI Tech Stack, are we buying $NVDA chips? $OSCR

@Maria0843534807 23

How many squares....!!! 99.9% will fail..?

Having just reviewed Centene’s talking points, the data was directional and within guidance AND most importantly in a public forum available to all investors. X is not a public, pre-announced forum available to all investors at a stated time. Releasing new data on X is trouble.

@mtbert @OscarHealth @degeninvestor7 @Couch_Investor Forgive me sir if I sound ignorant. Centene just disclosed in an interview that the medical usage related to their silver tier is hotter than expected. If they can do this, why can’t we disclose something similar in some form. I’m very humbled to be educated.

This weekend, Oscar CEO, @mtbert, joined @Couch_Investor to discuss Oscar’s latest earnings, our strategy, and our vision for the future of the individual market. Three takeaways stood out: 1⃣Oscar has a clear path to profitability. Oscar took decisive actions in 2025 on pricing, distribution, and product strategy, positioning the business to expand margins and return to profitability in 2026. 2⃣Oscar’s record membership and market leadership show promise. As of Feb 1, 2026, Oscar is privileged to serve 3.4M members, as we continue gaining shares across our footprint. 3⃣Oscar’s investment in affordable products and agentic AI features is driving growth. We’re integrating AI across our platform to scale our operations and help our members access care and get answers faster. Watch the full interview: youtu.be/MsUeaoQ0obM

@SoleSurvivore @OscarHealth @degeninvestor7 @Couch_Investor No. That is NPI. See LESSON ONE.

@OscarHealth @degeninvestor7 @mtbert @Couch_Investor Can we have some latest membership data as of March 1st

@LawGlitch @zvinob7 @JoshuaKushner Not interested.

@mtbert @zvinob7 @JoshuaKushner @mtbert interested??? I can provide you the Demo video and website link feel free to ask.

@Amelia558rs You reached for the secret too soon, You cried for the Moon…

@Flyby0909 @Amelia558rs My cheapest gas was 17 cents a gallon in 1971!

@mtbert @Amelia558rs 3.75 and it went to 4.25 shortly after I started working. The cheapest gas I remember was 78 cents per gallon.

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@Couch_Investor Thank you Neil. I enjoyed our conversation.

This week, I had the pleasure of hosting $OSCR CEO Mark Bertolini on the channel. If you own the stock, I believe we covered some crucial points for 2026+ If you were skeptical about the 2026 guidance, give it a listen. Thanks @mtbert Link below

@TGrammie2 1967 Buick LeSabre Wildcat Convertible with a 430 ci V8 and a 4 barrel carb. Loved that car until the oil embargo. I got 9 miles per gallon on premium!

64 mustang 😩

@LawGlitch @zvinob7 @JoshuaKushner On what would I spend five hours of research …other than a PhD thesis?

@mtbert @zvinob7 @JoshuaKushner Hey @mtbert, I'm working on a tool called Mira V1 that's essentially a deep-researcher-in-a-browser.We're looking for a few pros to trial the Pro extension and give feedback.I'd love to see if it actually saves you the 5+hours of research it's supposed to. Open to a trial link?

@petros_roni @zvinob7 @JoshuaKushner By consistent base, are you talking about top line?

@mtbert @zvinob7 @JoshuaKushner The market needs to see real money in insurance companies in a consistent way..how can you achieve 2.5 to 5% margins in a consistent base? It's so hard. Have you considered palantir to help you in that objective maybe?

@SerranoReyMiami @investingwithac @anthonynoto @SoFi @SoFiIR Remember the NPI lesson (LESSON ONE)? You might want to take a peak at that one more time…just saying…

@investingwithac @mtbert any chances you will be announcing a purchase like @anthonynoto .?, look at what @SoFi @SoFiIR is doing on a 1000 point DOW drop day.💎🫶

$OSCR Just wait till end of 2026. Profitability is basically guaranteed after reaffirming guidance 2 months in.

LESSON FOUR: Without crossing the NPI line, we reserve for our book and for risk adjustment. The risk adjustment reserve is already removed from our revenue guidance. In 2025, that number ended up being 18.5%. In 2026, that number is around 20%. The arithmetic for 2026 is revenue guidance divide by 0.8 to get gross revenue. Comparing 2025 to 2026 is the change in the risk adjustment reserve…generally.

@mtbert @petros_roni @zvinob7 @JoshuaKushner But your answer doesn’t address the concern. It looks like it’s even harder to predict the full market cost than the company cost.

@StockStormX @LastRonin1979 Oscar has the strategy, the tech, the execution and the people to make the individual market the future of healthcare for every American. My choice, my doctor and my plan for life!

@LastRonin1979 @mtbert bertolini running $OSCR like he still has something to prove. fr thats the kind of CEO you want

$OSCR is primed for massive upside Doubters aside, Mark Bertolini is locked in long-term, crushing execution. Record 3.4M members, $18.7–$19B 2026 revenue guidance, return to $250–$450M operating profit, AI driving efficiency. 2025 was the reset. I’m backing @mtbert 100%. 🚀🚀

LESSON THREE: it’s not just our medical costs…it’s our cost versus the full market. The market clears all risk at year-end with those with lower costs paying those with higher costs (all by state). The net for those paying is a higher payable to plans with higher costs AS A NET AGAINST PREMIUM…the top line goes down and the MLR goes up.

@mtbert @zvinob7 @JoshuaKushner @mtbert how can you predict consistent positive P/E ratio with constant margins between 1.9 and 3? I think the market needs to see that to pump the evaluation. How you can predict then positive margins if the medical costs vary so much? Any secret to express here? I am curious...

@zvinob7 @JoshuaKushner ***two***

Lesson #2: The largest mover of stock price is usually the P/E. The P/E reflects the Streets view of credibility in the guidance. In our instance, the P/E rides on delivering a $750MM YOY delta in EBIT. The reduction in P/E is a “show me” signal that only moves when we execute. Nothing more, nothing less. It will take to quarters to prove the point. No short cuts folks!