Oscar Health, Inc.

good afternoon my name is rachel and i will be your conference operator today at this time i would like to welcome everyone to oscar health's 2021 fourth quarter and full year earnings conference call all lines have been placed on mute to prevent any background noise after the speaker's remarks there will be a question and answer session if you would like to ask a question during this time simply press star followed by the number one on your telephone keypad If you would like to withdraw your question, press the pound key. Thank you. I would now like to turn it over to Cornelia Miller, Vice President of Corporate Development and Investor Relations, to begin the conference. Ma'am, please go ahead.

Thank you, Rachel, and good afternoon, everyone. Thank you for joining us for our fourth quarter and year-end earnings call, where we'll discuss our financial results, the benefits of our increasing scale, and reaffirm our 2022 outlook. Mario Schlosser, Oscar's co-founder and chief executive officer, and Scott Blackley, Oscar's chief financial officer, will host this afternoon's call, which can also be accessed through our investor relations website at ir.highoscar.com. Full details of our results and additional management commentary are available in our earnings release, which can be found on our investor relations website at ir.highoscar.com. Any remarks that Oscar makes about the future constitute forward-looking statements within the meaning of the safe harbor provisions under the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those indicated by those forward-looking statements as a result of various important factors, including those discussed in our quarterly report on Form 10-Q for the quarterly period ended September 30th, 2021, filed with the SEC and our other filings with the SEC. Such forward-looking statements are based on current expectations as of today. Oscar anticipates that subsequent events and developments may cause estimates to change. While the company may elect to update these forward-looking statements at some point in the future, we specifically disclaim any obligation to do so. The call will also refer to certain non-GAAP measures. A reconciliation of these measures to the most directly comparable GAAP measures can be found in our fourth quarter 2021 press release, which is available on the company's investor relations website at ir.hiasker.com. With that, I would like to turn the call over to our CEO, Mario Schlosser.

Good evening, everyone, and thank you for joining us. We have created something unique here at Asker. We entered 2022 with strong tailwinds in our business, and a clear strategy set for the years ahead. Building on our record-breaking growth, we remain focused on scaling operations and driving towards profitability. We are leveraging the technology we have built to reduce medical costs, to provide better clinical outcomes for our members, and to reduce our operating expenses. The healthcare system is changing towards consumerization, towards risk sharing, and towards increased disruption by technology. and we believe we are delivering on a unique set of business proof points to capitalize on the shifts. We are well positioned to deliver on our vision of making healthcare more accessible and more affordable for all. We are doing this through both our risk-based business and our Plus Oscar client relationships. As you will recall, we shared some preliminary Q4 2021 results, as well as 2022 guidance on January 27th. We will dig deeper into those metrics now. To start, Scott is going to take you through our Q4 and full year 2021 financials, and then I will come back and highlight the key themes for OSCAR in 2022. For that, I would like to turn the call over to Scott.