[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] [@simpleswingman](/creator/twitter/simpleswingman) "With ACA risk pool reset CVS exits $CNC and $ELV need significantly hiking premiums I think $OSCR could end up doing much better in 2026 both membership and revenue. Great company is made through tough times"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946360788723404978) 2025-07-19 00:05:48 UTC XXX followers, 1258 engagements "$ELV earning call highlited ER use is one of reasons caused high cost. I had a family member used ER earlier this year and had to stay overnight for observation. Nothing wrong was found. The bill was $145k with $8k out of pocket. Unbelievable"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1945917531811955084) 2025-07-17 18:44:27 UTC XXX followers, 1009 engagements "With XX million shares changing hands daily for last X weeks one would think that $OSCR investor base probably shaped more towards fundamental investors. And there were quite strong buyers at $XXXX area till today. $MOH and $CNC to report earning next week. Brace impacts"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1945915486166032818) 2025-07-17 18:36:19 UTC XXX followers, 1384 engagements "I like to use cash flow/employee to gauge efficiency of a company. The number for $OSCR is $508k/employee right up there close to elite large tech. For reference the number for $MSFT is $570k. The number for $UNH is $71k/person. $OSCR is an efficiently run technology company"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1947047497815482721) 2025-07-20 21:34:32 UTC XXX followers, 7104 engagements "Looking into $OSCR preannouncement in order to generate $230m operating loss they actually true up a ton based on the risk score. Assuming Q2 premium is the same as Q1 they assumed MSL XX% for Q2. And they kept MSL for Q3 and Q4 at 87%. Q1 to Q2 real MSL shouldnt jump 16%"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1947733592630825459) 2025-07-22 19:00:50 UTC XXX followers, XXX engagements "Actually all the bad news from other insurers on the higher than expected medical costs could be positive for $OSCR 2026: 1) reset premiums higher for next year 2) reduces premium price competition from competitors. Clearly $CNC $ELV and $MOH under priced risk for 2025"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1945972499361026238) 2025-07-17 22:22:52 UTC XXX followers, 2521 engagements "@TheTechInvest MSL is very seasonal for OSCR lowest in Q1 and highest in Q4. The reason of seasonality is high deductibles. MSL needs use annual number. For $OSCR it is XXXX% and XXXX% for XX and XX. XX% is its long term target"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946987070020542550) 2025-07-20 17:34:25 UTC XXX followers, XXX engagements "I believe people people will spend more $ on their health and well being and buy insurance with high deductible just in case. Platforms such as $HIMS and $OSCR with personal health data will form moat over time. Monthly chart of $HIMS is very bullish $OSCR still needs work"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946020773124317593) 2025-07-18 01:34:42 UTC XXX followers, 1463 engagements "Maintaining stable gross margin while achieving XX% membership increases from XX to XX says a lot about $OSCR in lieu of recent $CNC debacle. Its about disciplined pricing. Actually OSCR had significant membership reduction in several states like CA dropped from 50k to 10k"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946679178595905694) 2025-07-19 21:10:58 UTC XXX followers, XXX engagements "I believe ACA marketplace will grow over time. Giving individuals choices and responsibilities for their own health insurance are the way to go to bent healthcare cost curve. Just like most companies today opt for 401k instead of traditional pension plans. It makes sense. $OSCR"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946637879155044803) 2025-07-19 18:26:51 UTC XXX followers, 1332 engagements "TTM operating cash flow per employee comparison for health insurers: $OSCR $508k $UNH $71k $ELV $62k $HUM $43k $CNC $35k $MOH $34k. OSCR per employee cash flow generation is a magnitude higher than everybody else. That is beauty of tech $OSCR scales up much more profitably"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1947080736693244194) 2025-07-20 23:46:37 UTC XXX followers, 2733 engagements "After sifting through Q1 filing I think likely that $CNC mis priced the risk and added 1.9million new members in the ACA marketplace (much better gross margin than its Medicaid business). They panicked and withdrew the guidance created the whole. CEO is young with X year tenure"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946331234998817016) 2025-07-18 22:08:22 UTC XXX followers, 1860 engagements "Operating cash flow is my favorite profitability indicator. S&P500 long run average P/CF is XX. $OSCR is traded at P/CF TTM XXXX and FWD XXXX. It is dirt cheap. $OSCR will be $XX if trade at P/CF of XX which is still relatively cheap. Only thing we need is change of sentiment"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946956823053123677) 2025-07-20 15:34:13 UTC XXX followers, 1432 engagements "The question is: will $OSCR shine and differentiate itself from the others I think it is 50-50 for the next earning report. However given the track record of its CEO its superior technology it will differentiate itself from the rest in a year or so. It is a hi tech company"  [@simpleswingman](/creator/x/simpleswingman) on [X](/post/tweet/1946594303968772516) 2025-07-19 15:33:42 UTC XXX followers, 1093 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@simpleswingman
"With ACA risk pool reset CVS exits $CNC and $ELV need significantly hiking premiums I think $OSCR could end up doing much better in 2026 both membership and revenue. Great company is made through tough times"
@simpleswingman on X 2025-07-19 00:05:48 UTC XXX followers, 1258 engagements
"$ELV earning call highlited ER use is one of reasons caused high cost. I had a family member used ER earlier this year and had to stay overnight for observation. Nothing wrong was found. The bill was $145k with $8k out of pocket. Unbelievable" @simpleswingman on X 2025-07-17 18:44:27 UTC XXX followers, 1009 engagements
"With XX million shares changing hands daily for last X weeks one would think that $OSCR investor base probably shaped more towards fundamental investors. And there were quite strong buyers at $XXXX area till today. $MOH and $CNC to report earning next week. Brace impacts" @simpleswingman on X 2025-07-17 18:36:19 UTC XXX followers, 1384 engagements
"I like to use cash flow/employee to gauge efficiency of a company. The number for $OSCR is $508k/employee right up there close to elite large tech. For reference the number for $MSFT is $570k. The number for $UNH is $71k/person. $OSCR is an efficiently run technology company" @simpleswingman on X 2025-07-20 21:34:32 UTC XXX followers, 7104 engagements
"Looking into $OSCR preannouncement in order to generate $230m operating loss they actually true up a ton based on the risk score. Assuming Q2 premium is the same as Q1 they assumed MSL XX% for Q2. And they kept MSL for Q3 and Q4 at 87%. Q1 to Q2 real MSL shouldnt jump 16%" @simpleswingman on X 2025-07-22 19:00:50 UTC XXX followers, XXX engagements
"Actually all the bad news from other insurers on the higher than expected medical costs could be positive for $OSCR 2026: 1) reset premiums higher for next year 2) reduces premium price competition from competitors. Clearly $CNC $ELV and $MOH under priced risk for 2025" @simpleswingman on X 2025-07-17 22:22:52 UTC XXX followers, 2521 engagements
"@TheTechInvest MSL is very seasonal for OSCR lowest in Q1 and highest in Q4. The reason of seasonality is high deductibles. MSL needs use annual number. For $OSCR it is XXXX% and XXXX% for XX and XX. XX% is its long term target" @simpleswingman on X 2025-07-20 17:34:25 UTC XXX followers, XXX engagements
"I believe people people will spend more $ on their health and well being and buy insurance with high deductible just in case. Platforms such as $HIMS and $OSCR with personal health data will form moat over time. Monthly chart of $HIMS is very bullish $OSCR still needs work" @simpleswingman on X 2025-07-18 01:34:42 UTC XXX followers, 1463 engagements
"Maintaining stable gross margin while achieving XX% membership increases from XX to XX says a lot about $OSCR in lieu of recent $CNC debacle. Its about disciplined pricing. Actually OSCR had significant membership reduction in several states like CA dropped from 50k to 10k" @simpleswingman on X 2025-07-19 21:10:58 UTC XXX followers, XXX engagements
"I believe ACA marketplace will grow over time. Giving individuals choices and responsibilities for their own health insurance are the way to go to bent healthcare cost curve. Just like most companies today opt for 401k instead of traditional pension plans. It makes sense. $OSCR" @simpleswingman on X 2025-07-19 18:26:51 UTC XXX followers, 1332 engagements
"TTM operating cash flow per employee comparison for health insurers: $OSCR $508k $UNH $71k $ELV $62k $HUM $43k $CNC $35k $MOH $34k. OSCR per employee cash flow generation is a magnitude higher than everybody else. That is beauty of tech $OSCR scales up much more profitably" @simpleswingman on X 2025-07-20 23:46:37 UTC XXX followers, 2733 engagements
"After sifting through Q1 filing I think likely that $CNC mis priced the risk and added 1.9million new members in the ACA marketplace (much better gross margin than its Medicaid business). They panicked and withdrew the guidance created the whole. CEO is young with X year tenure" @simpleswingman on X 2025-07-18 22:08:22 UTC XXX followers, 1860 engagements
"Operating cash flow is my favorite profitability indicator. S&P500 long run average P/CF is XX. $OSCR is traded at P/CF TTM XXXX and FWD XXXX. It is dirt cheap. $OSCR will be $XX if trade at P/CF of XX which is still relatively cheap. Only thing we need is change of sentiment" @simpleswingman on X 2025-07-20 15:34:13 UTC XXX followers, 1432 engagements
"The question is: will $OSCR shine and differentiate itself from the others I think it is 50-50 for the next earning report. However given the track record of its CEO its superior technology it will differentiate itself from the rest in a year or so. It is a hi tech company" @simpleswingman on X 2025-07-19 15:33:42 UTC XXX followers, 1093 engagements