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  "documentTitle": "Oscar Health | Investor Day Presentation Deck | 75 slides",
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  "presentationDate": "2022-03-01 00:00:00",
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  "notes": "The chart uses a scatter plot with trend lines to compare Oscar's performance against the broader market index.",
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      "kind": "chart",
      "text": "Normalized Historical Oscar Allowed Claim Trend",
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      "text": "Oscar's allowed claim costs have trended ~(1%) annually; materially lower than medical CPI of ~4% over the last 5 years. Lower claims trend driven by strong total cost of care efforts annually supported by our tech stack",
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      "text": "Oscar allowed claim costs normalized over time for differences in morbidity, geography, provider network, induced demand, and seasonality; indexed to 2016. CPI for Urban Consumers for Medical Care, seasonally adjusted, indexed to 2016.",
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