Iosper
OSER (Obra Social de Entre Ríos / IOSPER) is the statutorily mandated provincial public health insurer of Entre Ríos, Argentina, administering mandatory and voluntary medical, dental, and pharmacy coverage to provincial public employees, their families, and voluntary affiliates through a registered provider network and a multi-platform digital portal.
- Company typePrivate
- Founded2024
- HeadquartersPoway, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Iosper does
OSER (Obra Social de Entre Ríos), operating under the legacy IOSPER brand, is the statutorily mandated provincial social health insurance entity for the public employees of Entre Ríos, Argentina. It administers mandatory and voluntary health coverage — including hospitalization, surgery, prosthetics, oncology, mental health, dental, assisted reproduction, and medication benefits — across a registered provider network of professionals, clinics, hospitals, and pharmacies. Headquarters are in Paraná (Andrés Pazos 243), with delegations distributed throughout the province.
The organization runs a multi-component digital platform: the mi.OSER web portal and multiplatform mobile application for member self-service, the miConsultorio application for healthcare providers, a directory of professionals/establishments/pharmacies, downloadable procedure forms, and a province-wide electronic prescription system (Receta Electrónica) that becomes mandatory for all covered medications from 1 January 2026. It also operates the Fondo Voluntario, a supplemental contribution fund offering enhanced coverage (100% co-payment coverage for high-cost services, 80% for hearing aids, death benefits).
OSER is funded primarily through mandatory cápita contributions deducted from provincial public-sector payrolls, supplemented by tiered monthly cápita payments from voluntary affiliates (21 salary-based tiers incremented by ARS $500,000 each) and Fondo Voluntario subscriptions. Its GTM is essentially institutional rather than commercial: enrollment for mandatory affiliates is automatic via payroll; voluntary affiliates enroll at OSER offices or via the digital channel; and providers join the Red de Prestadores through a registration process. The entity is state-owned, not VC-backed, and publishes transparency artifacts including budget execution statements and social/financial balances.
Iosper firmographics
Firmographics- Name
- Iosper
- Legal name
- Obra Social de Entre Ríos (OSER)
- Website
- https://iosper.gov.ar
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- OSER (Obra Social de Entre Ríos / IOSPER) is the statutorily mandated provincial public health insurer of Entre Ríos, Argentina, administering mandatory and voluntary medical, dental, and pharmacy coverage to provincial public employees, their families, and voluntary affiliates through a registered provider network and a multi-platform digital portal.
- Ownership category
- akta.pro rank
Where Iosper is headquartered
LocationHeadquarters
- HQ city
- Poway
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Iosper business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Mandatory affiliates (empleados públicos): cápita deducted via payroll |
| Subscription | Monthly | Voluntary affiliates: tiered monthly cápita based on gross salary and family composition |
| Subscription | Monthly | Voluntary Fund (Fondo Voluntario): supplemental voluntary contribution for enhanced coverage |
Distribution channels5 records
Marketing channels3 records
Iosper product offering
Product offeringCore offering
IOSPER (Obra Social de Entre Ríos / OSER) is the provincial public health insurance provider for the province of Entre Ríos, Argentina. It administers mandatory and voluntary health coverage for provincial public employees and their families, including hospitalization, medications, diagnostic studies, dental care, mental health, oncology treatment, prosthetics, and assisted reproduction. Members access services through a regional provider network and a digital self-service platform (mi.OSER), while healthcare providers manage interactions via the miConsultorio application.
Product overview
OSER (Obra Social de Entre Ríos) is a provincial public health insurance/social work provider in Argentina. The platform operates as a multi-component system comprising the core OSER health insurance for public employees and voluntary members, the mi.OSER self-service portal/mobile app for members, the APP miConsultorio for healthcare providers, and the Fondo Voluntario voluntary supplementary fund. Additional services include coverage authorization and derivations (including transit derivations for out-of-province travel), special medication plans, disability programs, and directory search tools for professionals, establishments, and pharmacies. Payment services for voluntary affiliates integrate with Red Link Home Banking, PLUS PAGOS, and Entre Ríos Servicio.
Differentiator
Problem solved
Functional benefit
Brands
- mi.OSER: Multiplatform mobile application for affiliated members to manage procedures and self-service operations
- miConsultorio
- Fondo Voluntario
Products and services
- OSER Mandatory Health Insurance (Afiliados Obligatorios)
- OSER Voluntary Health Insurance (Afiliados Voluntarios)
- Fondo Voluntario (Voluntary Supplementary Fund)
- mi.OSER Self-Service Platform
- APP miConsultorio
Companies that use Iosper
Customer profileSegments3 records
Ideal customer profiles3 records
Iosper technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Iosper partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights5 records
Iosper competitors and assessment
Company assessmentBroad incumbents
- OSDE: Argentina's largest private obra social with prepaid health plans and a national provider network. Comparable as a competing obra social/social health insurance offering overlapping with OSER's voluntary affiliate market.
- SANCOR SALUD: Cooperative-based prepaid health plan with nationwide reach. Comparable as a competing prepaid health plan and a substitute for voluntary OSER affiliation in Entre Ríos and beyond.
- ACA SALUD: Agricultural confederation-affiliated prepaid health plan in Argentina. Comparable as a competing prepaid health plan against OSER's voluntary affiliate offering.
- Swiss Medical Argentina: Major Argentine prepaid health plan (pre-paga) with broad provider networks. Comparable as a private alternative competing for OSER's voluntary affiliates seeking premium coverage.
- PAMI: National health insurance for retirees in Argentina. Comparable as a public obra social administering mandatory cápita-style contributions and standardized medical benefits, operating alongside OSER in Entre Ríos.
- Galeno: Large prepaid health plan in Argentina offering individual and family plans. Comparable as a competing prepaid/obra social product targeting voluntary affiliates in the same Argentine market.
Direct peers
- Unión Personal: Argentine obra social for civil-association and personal-services workers, operating a similar payroll-deducted cápita model. Comparable structurally to OSER's mandatory affiliate engine and voluntary affiliation option.
- IOSFA: Obra social for the Argentine Armed Forces, providing mandatory payroll-deducted health coverage to a defined employment pool. Comparable as a state-affiliated obra social using the same payroll cápita model as OSER.
- OSDEBIN: Binational obra social for Argentine and Uruguayan border workers. Comparable as a sectoral obra social with mandatory affiliation tied to a specific employment population.
Emerging players
- MEDICUS: Argentine prepaid medicine plan with a curated provider network. Comparable as a higher-tier alternative for individual/family voluntary affiliations competing directly with OSER's premium supplemental offerings.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Iosper social profiles
Digital presenceIosper financial estimates
Financial estimateRevenue estimate
Valuation estimate
Iosper leadership team
Management profileNumber of profiles
Iosper funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Iosper M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Iosper
What does Iosper do?
IOSPER (Obra Social de Entre Ríos / OSER) is the provincial public health insurance provider for the province of Entre Ríos, Argentina. It administers mandatory and voluntary health coverage for provincial public employees and their families, including hospitalization, medications, diagnostic studies, dental care, mental health, oncology treatment, prosthetics, and assisted reproduction. Members access services through a regional provider network and a digital self-service platform (mi.OSER), while healthcare providers manage interactions via the miConsultorio application.
Is Iosper a public or private company?
Iosper is a private company. It is classified as state government owned and is currently operating.
When was Iosper founded?
Iosper was founded in 2024. It employs 1 to 10 people.
Where is Iosper based?
Iosper is headquartered in Poway, United States, in the North America region.
Who are Iosper's main competitors?
Broad incumbents on record are OSDE, SANCOR SALUD, ACA SALUD, Swiss Medical Argentina, PAMI and Galeno. Direct peers are Unión Personal, IOSFA and OSDEBIN. MEDICUS is listed as an emerging player.
Does Iosper have an API?
No public API is recorded for Iosper.