Oscar Health said at its investor day that it is on pace to deliver $4 of EPS by 2027, nearly doubling its current earnings per share, and that it can grow revenue at an average of 20% per year through 2029. The company, which now serves more than 3 million members across 20 states, also launched a new business called the Lucy Healthcare Marketplace, which connects about 70 carriers with consumers and brokers for ACA and supplemental products. CFO Scott Blackley said Oscar recently increased its 2026 earnings guidance by $100 million and has doubled its earnings expectation for this year, citing favorable utilization trends, and that it improved its medical loss ratio guidance, with 50 basis points equal to about $100 million. He said 60% of the company's coding is now done using AI agents, up from about 15% earlier this year. Blackley said Oscar sees a large opportunity in transitioning employer-sponsored healthcare into the ACA through a product called Choice on the Lucy marketplace, and expects $4 or greater EPS in 2029.