Cornelia Miller | Vice President of Corporate Development and Investor Relations |
Mario Schlosser | Co-Founder and Chief Executive Officer |
Sid Sankaran | Chief Financial Officer |
Michael Ha | Morgan Stanley |
Jonathan Yong | Credit Suisse |
Gary Taylor | Cowen |
Kevin Fischbeck | Bank of America |
Josh Raskin | Nephron Research |
Nathan Rich | Goldman Sachs |
Stephen Baxter | Wells Fargo |
Good afternoon. My name is Regina and I will be your conference operator today. At this time, I would like to welcome everyone to Oscar Health’s 2022 Fourth Quarter and Full Year Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session.