Mario Schlosser | Co-Founder and Chief Executive Officer |
Cornelia Miller | Vice President-Corporate Development and Investor Relations |
Scott Blackley | Chief Financial Officer |
Marianne Scott | Scott Health Consulting |
Ricky Goldwasser | Morgan Stanley |
Adam Ronn | Bank of America |
Stephen Baxter | Wells Fargo |
Jonathan Yong | Credit Suisse |
Josh Raskin | Nephron |
Nathan Rich | Goldman Sachs |
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 2021 Fourth Quarter and Full-Year Earnings Conference Call.
Our lines have been placed on mute to prevent any background noise. After the speakers ' remarks, there will be a question-and-answer session.