And due to state regulations, in my opinion, it pretty much can't. The Oscar group health plans (paid mostly by employers for employees) are not much different

And due to state regulations, in my opinion, it pretty much can't. The Oscar group health plans (paid mostly by employers for employees) are not much different from the other insurance carriers, whether in terms of price or quality. Maybe Oscar can keep their costs down by not being as bloated as UHC, but they absolutely can't bring their prices meaningfully lower than UHC. HealthConnect did that in NY, UHC complained, and NY State happily fined HealthConnect for poaching customers. They even demanded HealthConnect pay the fine to UHC, not the government. EDIT: I meant "CareConnect", not "HealthConnect", sorry.