Explain $oscr deal with hyvee

``` The deep research logic is organized as follows: Okay, let's tackle the user's question about Oscar Health's deal with Hy-Vee. The user is a sophisticated investor interested in options trading and insider activity, so I need to focus on how this partnership might impact OSCR's stock from a technical and strategic standpoint. First, I'll start by reviewing the provided references. The key points from the references are that Oscar and Hy-Vee are launching a new health insurance plan called "Hy-Vee Health with Oscar" using an ICHRA model. This plan is expected to save employers 20-30% and employees up to $1,000 annually. The partnership is set to launch in Des Moines, Iowa, and expand to other regions. Oscar's stock jumped 7.1% on the news, and there's mention of increased revenue projections and potential profitability by 2026. Since the user is into options trading, I should highlight the stock's volatility. Oscar's shares have had 62 moves greater than 5% in the past year, which is high. The implied volatility (IV) might be elevated, making options strategies like straddles or strangles attractive. Also, the user mentioned interest in implied volatility rank (IVR), so I should note if OSCR's IV is above or below average compared to peers. Next, the partnership's strategic implications. Oscar is positioning itself in the ICHRA market, which is growing. This could increase their market share and revenue. The user might be interested in how this affects OSCR's financials, like revenue guidance being raised to $12.0B-$12.2B for FY2025. The stock price movement post-announcement (7.1% jump) suggests positive market sentiment, which could be a bullish signal. Insider activity is another point. The user is interested in insider buying, so I should check if there's any recent insider trading related to this deal. However, the references don't mention specific insider transactions, so I might need to infer based on the company's recent financial health. Oscar reported a net loss but raised revenue projections, which could indicate confidence from management, potentially leading to insider buying. The user's investment goals include capital appreciation and income from options. The partnership could be a catalyst for stock price movement, making it a good candidate for options strategies. The expansion into ICHRA might also reduce reliance on traditional ACA plans, diversifying Oscar's revenue streams, which is a positive for long-term stability. I should structure the answer to first explain the deal, then discuss the implications for OSCR's stock, focusing on volatility, revenue growth, and potential insider activity. Including a table with key metrics like stock price movement, revenue projections, and market impact would be helpful. Also, a visualization of the stock's recent price action would add value, as per the user's request. Finally, I need to ensure the answer is concise, uses the correct citations, and adheres to the user's preferences for technical analysis and insider insights. Make sure to highlight how this deal could affect options trading strategies and the stock's volatility rank. ``` ### 🌟 **Conclusion** Oscar Health (OSCR) has partnered with Hy-Vee to launch a groundbreaking health insurance plan called **"Hy-Vee Health with Oscar"**, targeting employers and employees in the Des Moines, Iowa area. This collaboration leverages Oscar's AI-driven healthcare technology and Hy-Vee's extensive retail and healthcare network to offer a cost-effective, simplified healthcare solution. The deal positions OSCR as a leader in the growing **Individual Coverage Health Reimbursement Arrangement (ICRA)** market, with potential to expand across Hy-Vee's nine-state footprint. 🛠️🏥 --- ### 📊 **Key Details of the Partnership** | **Aspect** | **Details** | |---------------------------|-----------------------------------------------------------------------------| | **Plan Type** | **ICRA (Individual Coverage Health Reimbursement Arrangement)** | | **Target Market** | Employers and employees in Des Moines, Iowa (400,000+ employees) | | **Cost Savings** | Employers: 20-30% savings; Employees: $500-$1,000 annual savings | | **Key Features** | $0 care at Hy-Vee Health clinics, concierge support, grocery rewards | | **Launch Date** | Open enrollment starts **Nov 1, 2025**; coverage effective **Jan 1, 2026** | | **Expansion Plans** | Rollout to Hy-Vee's nine-state network (Iowa, Illinois, Kansas, etc.) | --- ### 📈 **Why This Matters for OSCR** 1. **Market Expansion**: The partnership taps into Hy-Vee's **285+ locations** and **93,000 employees** , providing a scalable entry into the employer healthcare market. 2. **Revenue Growth**: Oscar raised FY2025 revenue guidance to **$12.0B-$12.2B** (up from $11.2B-$11.3B) , reflecting confidence in the deal's impact. 3. **Competitive Edge**: Oscar's focus on **AI-driven solutions** and **customer-centric care** differentiates it from traditional insurers. 4. **Stock Catalyst**: OSCR shares surged **7.1%** post-announcement , with implied volatility (IV) likely elevated due to the deal's strategic significance. --- ### 📉 **Risks & Challenges** 1. **Regulatory Hurdles**: The ICRA model is still evolving, with potential regulatory changes impacting adoption . 2. **Profitability Pressures**: Oscar reported a **$228M net loss** in Q2 2025 , raising concerns about short-term financial sustainability. 3. **Competition**: Rivals like Centene and UnitedHealth are also expanding into ICRA , intensifying market competition. --- ### 🎯 **Takeaway for Investors** The Hy-Vee partnership is a **high-impact catalyst** for OSCR, aligning with its long-term growth strategy in the individual healthcare market. While risks remain, the deal's potential to drive **revenue growth** and **market share expansion** makes OSCR a compelling play for **options traders** and **long-term investors** alike. 🚀 Query |code|stock code|stock name|Last Price|Last Change|Theme|Inclusion Reason|market_code| |---|---|---|---|---|---|---|---| |CRCL|CRCL.N|Circle|149.26|7.203907|||169| |WULF|WULF.O|TeraWulf|8.97|2.9850749999999997|||186| |BTOG|BTOG.O|Bit Origin|0.5111|-0.039116|||186| |CANG|CANG.N|Cango|4.81|-0.41407900000000003|||169| |MARA|MARA.O|MARA Holdings|15.67|-0.507937|||186| |CAN|CAN.O|Canaan|0.7722|-0.732742|||185| |MSTR|MSTR.O|Strategy|366.32|-1.775084|||185| |BTCS|BTCS.O|BTCS|4.41|-1.89099|||186| |CLSK|CLSK.O|CleanSpark|9.75|-2.01005|||186| |HUT|HUT.O|Hut 8|23.32|-2.016807|||185|