<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

醫療業 ETF - SPDR

美國醫療保健供應商 ETF - iShares

OSCG

OSCX

標普醫療保健服務 ETF - SPDR

OSCR

聯合健康

醫療業 ETF - Vanguard

標普全球醫療股指數 ETF - iShares

Oscar Health Inc（紐約證券交易所代碼：OSCR）股價下跌 4.33%，至 15.02 美元，此次下跌是由於特朗普政府發佈的醫療保險優勢計劃更新，提議 2027 年的支付僅增加 0.09%，遠低於預期的 4%-6%。這一變化限制了 Oscar 在醫療成本上升背景下的定價能力。此外，聯合健康集團令人失望的財報引發了對 Oscar 成本趨勢的擔憂，因為聯合健康報告的醫療護理比例為 92%。分析師對 Oscar 維持持有評級，目標價為 14.64 美元，而該股顯示出看跌動能，接近其 52 周低點

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) 股價下滑，因醫療保險提案和聯合健康的失誤影響了保險公司股票