Oscar is a healthcare technology and health insurance company that offers individual health plans across metal categories on the ACA marketplace in multiple states, generating nearly all revenue from health insurance premiums paid by the Centers for Medicare & Medicaid Services and members. The company operates a cloud-native technology platform that combines insurance operations with a member engagement engine powered by artificial intelligence and machine learning to drive high engagement, personalization, and clinical outcomes. Beyond its core insurance business, Oscar monetizes its technology platform and member experience data through +Oscar, a business-to-business service that provides engagement and recommendation tools to other healthcare providers and payors.