Oscar Health: Amazon of the Insurance Industry and 100x Potential?

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From the dawn of the market to now, investors have always sought the answer to the question:

How to find stocks that can increase 100 times (100-bagger)?

This is not a pipe dream.

In the 1960s, when photocopiers and cameras exploded, the stock market produced “giants” like IBM, Polaroid or Xerox – similar to Nvidia, Google, Amazon of today's AI era.

In the early 1970s, Wall Street named that group of miraculous growth stocks Nifty Fifty – the "Magnificent 7" version of the analog era.

• Fact: even if Walmart accounts for 2% of the Nifty 50 portfolio, and the other 49 stocks go to 0, the return would still be 13%/year – higher than the S&P 500 (10.7%)

  → That is the power when a portfolio owns a true “100-bagger”.

But the common point of those 100-baggers is not just financial growth. They are all companies that disrupt the old order (disrupters).

• From Amazon overturning retail, to Old Dominion Freight Line changing the transportation industry.

And now, in the outdated, bureaucratic, and non-transparent US health insurance industry, a name is quietly doing something similar: Oscar Health.

With the “direct-to-consumer health insurance” model (direct-to-consumer), Oscar is redefining how people access healthcare, from products to experiences. Backed by big names like Google Capital, Khosla Ventures, Tiger Global…, Oscar Health is truly growing exceptionally:

• Membership increased from 100,000 to 1.7 million in 7 years

• Revenue from $200 million to $9.2 billion

• Medical Loss Ratio decreased from 95% to 81%

The only question: Can Oscar Health continue to maintain this growth momentum?

In this article, Viet Hustler will dissect the US insurance industry, Oscar Health's business model and valuation – to find out if this could be a true “100-bagger” or just a beautiful dream.

1. US Insurance Industry: A System in Crisis

2. Oscar Health – Formation Journey & Leadership Team

3. Oscar Health's Business Model

4. Competitive Advantage Analysis

5. Financial Health Analysis

6. Future Prospects

7. Preliminary Valuation

8. Investment Risks