script

1

The first step is offering Oscar to Amazon's own workforce — 

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and California is the natural place to start

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 because that's where the largest concentration of Amazon employees is located. 

4

Rather than building from scratch, we're building on what already exists — 

5

One Medical's deepest presence is in California. Offering Oscar to our own employees first creates a perfect controlled testing environment before we take it to the broader market. That's the proof of concept.

6

Oscar hasn't reached mass adoption yet — and that's exactly the opportunity. Amazon brings the trust and reach Oscar has been missing.

7

From there we move into the startup hubs — SF, Silicon Valley, LA, then Boston and New York.

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Companies under 50 employees can't handle the burden of traditional group insurance, and larger companies are shifting to ICHRA plans for cost efficiency. Oscar backed by Amazon is the natural fit for both. Once validated, we scale to the general market.

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HIPAA is a legal boundary, not a risk to manage around — and Amazon is already a recognized leader in HIPAA-eligible infrastructure.

10

Data flows one way only — Amazon to Oscar, never the reverse. Amazon's signals inform Oscar's recommendations. Oscar's health data never flows back to Amazon for ads or marketing. Ever.

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That's not just a guardrail — it's a differentiator.