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    John W. Young

    Senior Vice President and CERTIFIED FINANCIAL PLANNER® at UBS

    John Young is a Senior Vice President and CERTIFIED FINANCIAL PLANNER® at UBS, known for over 25 years of experience designing alternative and private investment strategies for high net worth and ultra-high net worth clients. Specializing in non-traditional asset allocation, John leverages UBS’s global platform to provide sophisticated wealth solutions tailored to managing risk and generating long-term growth, especially in challenging economic cycles. Throughout his career, he has emphasized the integration of alternative and private investments into client portfolios and is recognized for his leadership within the industry. John is based in both Bethesda, Maryland and Palm Beach, Florida, and holds the CERTIFIED FINANCIAL PLANNER® credential, underscoring his expertise in comprehensive financial planning.

    John W. Young's questions to Oscar Health (OSCR) leadership

    John W. Young's questions to Oscar Health (OSCR) leadership • Q1 2025

    Question

    John W. Young from UBS asked about differing utilization patterns between new and returning members, the drivers of inpatient utilization, the reasons for favorable pharmacy trends, and the strategic opportunity presented by a competitor exiting the ACA exchanges.

    Answer

    CFO Scott Blackley noted that overall utilization was higher than expected, continuing a trend of elevated inpatient use and favorable pharmacy costs, but it was too early to draw firm conclusions. He stated that any headwinds should be offset by risk adjustment and internal cost-saving initiatives. CEO Mark Bertolini added that a competitor's exit is an opportunity for Oscar to gain members, attributing the exit to the competitor's specific pricing issues rather than a systemic market problem.

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