They missed earnings and cut guidance massive as medical costs soaring . Throw in high margin Pbm's will be thrown under the bus by Trump and fraud billing assaulted Turbulence coming again . Questions agents must ask now . United's by far the biggest . What if they term a ton of plans nationwide ? Wow it will roil the mkt . #2 why would commissions to agents stay the same on much lower margin product ? And certainly why would overrides and marketing money be the same . There's got ti be cuts somewhere
United stock down a record 20% this am .
- Thread starter DonP
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Medicare bro
Guru
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United Healthcare is the steady ship. They don't panic, they will correct this and be just fine. Agents will be just fine.
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It hit Under $460 pre market and bounced to $490 . It's $480 now . 52 week low is $438 . I mean it was good for a trade . My experience is when stocks crash like that it takes a while to build a base . United was down in this area in the last few months . Let's see if that $438 low hits . I think at the very least they take this increased govt money they'll get in 2026 and have better margins next yr . I'm worried if united terms a bunch of plans in 2026. United had by far the biggest mapd growth of 2025 aep. Their now regretting all that new business
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Doubtful, but it would represent a tremendous opportunity.
Because UHC is very reliant on agents to distribute their products. Also because the 2 main causes of the earnings miss (higher utilization and lower reimbursements under Biden) are transitory.
Sure. To benefits and employees.
The future of Medicare Advantage
In 2024, US health insurers will have to navigate changes in demographics, regulations, and member preferences. We look at the impact on Medicare Advantage.
www.mckinsey.com
"Brokers are vital to the Medicare Advantage (MA) ecosystem, representing 70 percent of MA distribution."
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It's a hopeless cause for "some".
That is a hard question to answer. The issue is that you can't time the stock market. You can make educated guesses but you also can be wrong. Research documents that most (certainly not all) non-broker people who do a lot of personal trading and hope to time the market usually don't make any more than the average of the stock market movement and a higher percent than those who just hold tight and don't trade lose more money that the average broker loses doing the same thing.
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