<div id="readability-page-1">Oscar Health Inc ( OSCR ) shares are trading lower Tuesday morning as investors react to a surprise Medicare Advantage update from the Trump administration and downbeat earnings from industry bellwether UnitedHealth Group Inc. Here’s what investors need to know. <ul> <li>Oscar Health ( OSCR ) shares are sliding. What’s behind OSCR decline?</li> </ul> <h2>OSCR Stock Drops On Medicare Advantage Rate Shock </h2> The Centers for Medicare &amp; Medicaid Services proposed 2027 Medicare Advantage payment changes that equate to a net average rate increase of just 0.09%, drastically below Wall Street expectations for a 4%–6% bump. For Oscar, a technology-driven health insurer with growing exposure to Medicare Advantage alongside its core ACA marketplace and small-group products, the microscopic increase implies far less pricing headroom to offset rising medical costs. The proposal also tightens risk-adjustment rules by excluding diagnoses captured in audio-only visits and certain chart reviews, potentially reducing risk scores for plans that rely on virtual care and data-driven coding, key parts of Oscar's model. <h2>UnitedHealth Earnings Amplify Fears About Oscar's Cost Trend</h2> UnitedHealth's fourth-quarter 2025 results poured fuel on the fire. The company posted a medical care ratio near 92% in the quarter and 89.1% for the year, up roughly 340 basis points from 2024, signaling heavier-than-expected medical utilization. While UNH guided to EPS growth in 2026, its revenue outlook of more than $439 billion came in below consensus, underscoring pressure on top-line growth even for the industry leader. <h2>What’s Driving Oscar Health’s Bearish Trend?</h2> The stock is currently trading 6.8% below its 20-day simple moving average (SMA) and 14.2% below its 100-day SMA, indicating a bearish trend in the short to medium term. Over the past 12 months, shares have decreased by 7.88%, and they are currently positioned closer to their 52-week lows than highs, reflecting ongoing struggles in the market. The RSI is at 45.56, which is considered neutral territory, while the MACD is below its signal line, indicating bearish pressure on the stock. The combination of neutral RSI and bearish MACD suggests mixed momentum, reflecting uncertainty in the stock’s near-term outlook. <ul> <li>Key Resistance: $16.50</li> <li>Key Support: $14.50</li> </ul> <h2>Oscar Health’s Business Model</h2> Oscar Health ( OSCR ) is a health insurance company that provides various insurance plans for individuals, families and employees. The company also offers virtual care, doctor support, scheduling appointments and other related services, including plans in the Medicare Advantage program for adults aged 65 and older. <h2>Earnings Forecast: A Mixed Bag Ahead</h2> Investors are looking ahead to the next earnings report on Feb. 10. <ul> <li>EPS Estimate: Loss of 89 cents (Down from Loss of 62 cents YoY)</li> <li>Revenue Estimate: $3.16 billion (Up from $2.39 billion YoY)</li> </ul> Analyst Consensus &amp; Recent Actions: The stock carries a Hold Rating with an average price target of $14.64. Recent analyst moves include: <ul> <li>UBS: Upgraded to Neutral (Raises Target to $17.00) (Jan. 9)</li> <li>Barclays: Upgraded to Equal-Weight (Raises Target to $18.00) (Jan. 5)</li> <li>Stephens &amp; Co.: Initiated with Equal-Weight (Target $17.00) (Dec. 11, 2025)</li> </ul> <h2>Benzinga Edge Rankings</h2> Below is the Benzinga Edge scorecard for Oscar Health ( OSCR ), highlighting its strengths and weaknesses. <ul> <li>Momentum: Weak (Score: 33.95) — Stock is underperforming the broader market.</li> </ul> The Verdict: Oscar Health’s Benzinga Edge signal reveals a classic ‘Weak’ setup. While the Momentum score indicates underperformance, the company's recent legislative support may provide a catalyst for recovery if effectively leveraged. &lt;figure class=&#34;wp-block-image size-large&#34;&gt;<img src="https://imageproxy.pbkrs.com/https://editorial-assets.benzinga.com/wp-content/uploads/2026/01/27103305/Screenshot-2026-01-27-at-10.32.54%E2%80%AFAM-1024x194.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="1024" height="194" original-src="https://imageproxy.pbkrs.com/https://editorial-assets.benzinga.com/wp-content/uploads/2026/01/27103305/Screenshot-2026-01-27-at-10.32.54%E2%80%AFAM-1024x194.png"/>&lt;/figure&gt; <h2>OSCR Shares Slide Tuesday</h2> OSCR Price Action: Oscar Health ( OSCR ) shares were down 4.33% at $15.02 at the time of publication on Tuesday, according to Benzinga Pro data. Image: Shutterstock</div>

UNHG

医疗业 ETF - SPDR

美国医疗保健供应商 ETF - iShares

OSCG

OSCX

标普医疗保健服务 ETF - SPDR

OSCR

联合健康

医疗业 ETF - Vanguard

标普全球医疗股指数 ETF - iShares

Oscar Health Inc（纽约证券交易所代码：OSCR）股价下跌 4.33%，至 15.02 美元，此次下跌是由于特朗普政府发布的医疗保险优势计划更新，提议 2027 年的支付仅增加 0.09%，远低于预期的 4%-6%。这一变化限制了 Oscar 在医疗成本上升背景下的定价能力。此外，联合健康集团令人失望的财报引发了对 Oscar 成本趋势的担忧，因为联合健康报告的医疗护理比例为 92%。分析师对 Oscar 维持持有评级，目标价为 14.64 美元，而该股显示出看跌动能，接近其 52 周低点

Oscar Health (OSCR) Slides As Medicare Proposal, UnitedHealth Miss Rock Insurer Stocks

fidelity

Leverage Shares 2X Long UNH Daily ETF

Leverage Shares 2X Long OSCR Daily ETF

Defiance Daily Target 2x Long OSCR ETF

Oscar Health

Oscar Health (OSCR) 股价下滑，因医疗保险提案和联合健康的失误影响了保险公司股票