Hi all! I was offered 85k for a Senior Analyst role at Oscar Health. Does that seem right?

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Everyone is making jokes based on share price. Virtually no other insurtech every reached $6bn premium - which they will be at by EoY. That’s actually impressive and the must be doing something right. Pretty sure no one here knows insurance. They trade at negative EV - just negotiate equity and 2x that when they get acquired 🙏🏼 it’s a decent company and mgmt is decent.

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Stay away

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The variable that most impacts your compensation will be experience. The role may only allow for a certain amount of compensation the best thing you can do is ask questions during the interview.

If you believe you are worth more, I’d encourage you to say that. I’ve felt Oscar is pretty fair and open about compensation and you should be able to quickly get a sense if there is wiggle room on salary.

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What is your YOE and is this NYC office?

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Will they be in business long enough for you to collect 85k? 🤣

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I think the model is actually interesting. Healthcare in America is broken, so is health insurance. Their idea to control more of the value chain and offer more transparent and affordable coverage is interesting. Their loss ratios are still under control (this is the most important thing in insurance, on top of my head 84% in FY21), and I see how you can have a cost advantage using technology in that space. However, insurance will remain a scale business (precisely because loss ratios are always 80%+ in health - this is called MLR requirement, and is basically law), so they have to continue to grow and become huge to be profitable. They are on good track for that with $6bn premium guidance for this year. They can probably grow 50%+ CAGR for a few years after that. I think there is something interesting to play here, particularly if you have equity at the current share price, current EV is negative… This is obviously not financial advice. I looked at Oscar in the private market 2y ago at a higher valuation that currently… ended up passing due to valuation, but did not think business was bad at the time. Now it has 3x’d+ in premium, valuation is lower (Enterprise value negative including cash on balance sheet), and I think it’s undervalued now. Might be good optionality, but of course there is some risk to it.

helpfullike

🙄 Only post I can comment on, newbie here. Go gentle on me please.

I am about to do my second interview with Oscar Health, in the Operations area.

Any update or feedback on the overall of the company, I would greatly appreciate it.

I cannot DM anyone and this is the only post I can comment in. Thanks in advance!

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Run away

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Can't send DM because I'm a newbie. Or whatever is needed to aquire the ability to DM.

Would you be able to send me a DM?

I would like more specifics. I'm seeing a 50/50 when I'm getting a response; half good and half bad.

What is the red flag? Aside from the stock fiasco, I have not been provided with a solid reason to run. Someone did tell me most opinions are based on their role in the company.

Please DM me, it is a big jump for me; current position is over 10 years and cannot risk jumping, but the response to run away needs more specifics if possible.

Thanks!

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