Reddit Posts
$HUM might squeeze today a true short squeeze, it's slowly drifting up into it.
I think health insurance stocks are a buy here. Especially $HUM
I think health insurance stocks are a buy here.
Humana Shares Drop in Early Action on Disappointing Outlook Despite Top and Bottom Beat
CVS Health to Acquire Oak Street Health, next CANO?
What opinion do you have of the Cano company?
$CANO should be up >200% Today. $CANO, more than 15X upside from the current share price. $HUM and $UNH likely enter a bidding war for $CANO
$CANO should be up >200% Today. $CANO, more than 15X upside from the current share price. $HUM and $UNH likely enter a bidding war for $CANO
2023-02-01 Wrinkle-brain Plays (Mathematically derived options plays)
$CANO Health. From an attractive M&A target to a going concern story!?
Cano Health. From an attractive M&A target to a going concern story!?
HUM HUMMMM REALY Gary Gensler THIS IS FOR OUR BENEFIT
For anyone who isn’t aware the CEO of $BHG is the former CEO of $UNH - BHG is going to be a real threat to $HUM, $CI and $UNH imo - they make 1B a quarter trading at a 2B MC with 6B revenue and major stake taken by $CI currently in $3s no brainer $30 min stock.
$BHG and $CLOV taking market share off $HUM
So why would a company like $GOOG buy a company like $CLOV ???
Insight into how PCPs feel about CLOVER Assistant $CLOV
Closer look at Clover Health Investments
Mentions
Why the fug is HUM down more than UNH
Jeffries gave HUM a buy rating this morning.
Not just UNH. HUM, and the likes. [https://www.reuters.com/business/healthcare-pharmaceuticals/trump-administration-proposes-keeping-steady-medicare-rates-paid-insurers-wsj-2026-01-26/](https://www.reuters.com/business/healthcare-pharmaceuticals/trump-administration-proposes-keeping-steady-medicare-rates-paid-insurers-wsj-2026-01-26/)
Trump Administration Proposes Flat Rates for Medicare Advantage, CMS and White House Say - WSJ - $UNH $HUM $CVS UNH down 7.5%
I've *swung* UNH here and there, however long term I'm on the sideline as of now. Let me preface by saying I can be totally wrong and I haven't dug deep into the stock or the future of healthcare plans and politics behind it. I wouldn't be shocked to see UNH perform well since its a healthcare conglomerate and practically a monopoly. The stock went through MASSIVE selling this year, analysts are pricing in lower growth, there's political risk, etc. Despite getting positive earnings, raising future guidance, having the publicity of Warren Buffett/BRK buying, and more, the stock has failed to move higher as of recent. Had a convincing resistance at the 200ma and quickly fell below the 50ma, etc. Healthcare/Pharma as of recent has been pretty HOT, more specifically drug manufacturers. However, the healthcare plan stocks (UNH, ELV, MOH, CI, HUM, etc) haven't seen that, most are still down big YTD. why? In my opinion investors and firms could know (or think they know) something and are pricing that in while retail doesn't know/isn't factoring it in. (probably political risk or something). This sector and stock seems like an easy buy moving forward, but it hasn't been that way and with that being the case I'm on the sidelines.
HUM can completely kill UNH if they do badly
Honestly, i think this is mostly due to the government shutdown. Republicans are pushing to reduce federal spending on healthcare subsidies, which would raise insurance costs for many lower and middle income families. That could lead to fewer people being able to afford coverage, potentially affecting revenue for UNH and other health insurers. Initially, during the shutdown, many assumed Democrats would block extreme cuts. But with the shutdown surpassing the previous longest one in U.S. history, the possibility that Republicans succeed in reducing subsidies seems more plausible. Which explains why UNH and other insurance stocks have dropped. This is not specific to UNH, if you look at all the other health care insurers (HUM, ELV, CI), they are all down 10–15% across the board. This all feeds into a broader pattern of government corruption and abuse of power, including pardons like Ghislaine Maxwell and Changpeng Zhao, as well as shenanigans like the upcoming Supreme Court hearing on tariffs, which Trump announced he will not attend. So messed up.
It’s not enrollment in MA, compare deductibles UHC 5700 was 5200 and HUM deductible at 6500. People that needed procedures overwhelmingly choose UHC. We pay that for Car insurance these days… so yea MA is dead
Yes, that's why I mentioned the price where it began its rise and where it recently ended up (now that the court decision has been digested it has moved up 5% and looks like it'll keep going). Still, the timing is awfully suspicious. When an adversarial court decision is released and hasn't previously been polluted by insider knowledge, then the stock usually nosedives on that news. HUM didn't. It maybe went down a bit, but the real plunge began a week earlier. Still awfully suspicious in my view.
I took a hit on HUM last year
Quite the rotation going on look at HUM
HUM has a lot of catching up to UNH. Don’t miss this train
HUM is making me CUM.
Buffet Buy HUM too or CEO at White House?
HUM cliff diving again
$HUM 242.5 CSP nearly 2% for the weekly. Seems reasonable to me.
$HUM trades like a meme
The whole thesis is just a cheap P/S ratio? May I suggest looking at something like $HUM? It’s profitable, pays dividend, growing revenue, and P/S is not much higher than $AGL.
What happened to HUM today?
Anyone like HUM leaps here? No degen Hum…. Posts please :-)
Yes. I am currently 75% in cash, only 8% US stocks (mostly HUM and UNH), the balance is international emerging markets with a heavy focus on Asia. I think after the blocking of chip sales and export tariffs, China is going to poor money into that sector like never before. They are not going to leave themselves in this position. I also think that emerging markets are increasing trade with each other and reorienting. I am specifically avoiding all of North America. Europe is in the plan, but I need a pullback and hopefully a slight rise in the dollar before I buy.
Let’s see, just recently this year…Lost big returns on the $MSFT run up selling CSP’s. Lost big returns on some $GOOG CC’s. Lost Big money selling CSP’s on $HUM. Made some back at the bottom then lost the big returns on the run up. Yesterday sold the $AAPL $227.5 sure I made $700 but lost out on the 10pt. run today for $3000. Kinda tired of CSPs and CC’s to be honest. Eventually left bag holding or eventually miss the run. The entertainment value has wained. Not hacking on the strategy for sure but if you think it’s too good to be true you haven’t been doing it long enough.
VBC growth has definitely slowed down, but tbh I think that’s more likely good than bad. I basically agree with your view that there’s a shakeout coming and I think it’s already well underway - to me, the collapse of Cano and CareMax were the first big waves, and I expect there were plenty of down rounds across the privately held enablers. I’m just much more bullish on AGL’s prospects at finishing among the winners; they have a real niche among the large physician groups (a different focus market from Aledade’s) with which they have 20-year JVs, a history of generating medical margin, and sufficient scale that focusing on profitability vs pure growth is worthwhile. Aledade may well be the stronger company but I don’t expect we’ll ever have the chance to put money in them, and I see AGL as far above any of the other public competitors (let’s be real, Privia is mostly an FFS shop) To me, the real story here is that semi-resetting MA economics on Jan 1 will have an outsized effect on VBC enablers and the time to get in is likely between now and sometime in the first half of Q4. The same effects everyone is counting on to buoy HUM and UNH will be much more concentrated and impactful in AGL It’s truly a fascinating space, and I’m looking forward to seeing how it evolves in the next 24 months. This is going to be a critical stretch for the future of the US private healthcare industry and IMO that fact is really under-discussed
I see HUM getting there with less volatility
Man a HUM reference in the wild, hell yeah 🥰
you're right. should've certainly mentioned the bigger players, but even so you get the memo. CNC, CI, HUM, is all up. Also, CVS is a hybrid with Aetna
Nah, you're onto something sharp here – Humana ($HUM) and peers like it could indeed get squeezed like a stress ball in this graying apocalypse. With boomers flooding Medicare Advantage (Humana's bread and butter), payouts are spiking while premium pools shrink from fewer worker bees contributing; recent Healthcare Dive reports show Humana slashing plans and expecting to lose hundreds of thousands of members in 2025, tanking their star ratings from 94% four-star coverage to a pitiful 25%. That jacks up their medical loss ratio (payouts eating premiums), potentially nuking profits by 2026 per the same sources. It's not all doom – they're adapting with benefit cuts and in-home care pushes to manage costs, per Reuters – but yeah, in a flat-growth world, insurers might bleed more than they bill, making 'em riskier than straight senior care plays like $BAX. Theta gang might smirk at the irony: betting on stagnation while insurers age into irrelevance themselves. Sources: - https://www.
Clov regards actually thought it could overtake HUM and UNH 😂
I saw this same shit happen last year about this time with HUM and UNH. Strange
Sadly UNH has not done anything to correct their ship. I’m not sure if they’re expecting their lobbyists to come thru for them ,but they are about to have a terrible year and unless they make changes 2026 is going to eat shit for them also. When people were talking about UNH I was telling them to look at HUM instead because it looked like they were making changes.
You’ve got to stay convicted in your plays. I had puts on NVDA and HUM, even though they kept climbing, they finally dropped in the last hour and ended up in the money. Made some solid gains.
You probably thought that was a no brainer. Been getting pummeled by $HUM since the $400’s then the $300’s. I don’t think the market likes these stocks very much anymore. Could be several years and that’s with good luck. Godspeed
Screw legacy insurance companies. $CLOV is what you should be looking at. Unlike other HCA's who are down up to 50%+ lately, CLOV is up 100% YoY and is on the cusp of not just becoming EBITDA positive, but actually net profit positive. Lowest MCR in the entire industry, handily beating every legacy insurance company in the field, and they consistently beat quarterly estimates. Redditors have already discovered HUM and UNH and MOH have already started integrating with them, and once these partnerships are officially announced and their SaaS revenue starts pouring in, CLOV is going to absolutely skyrocket. Ignore the naysayers who just diss it because it was caught up in the pump and dump meme stocks of 2021 and do your own DD. Seriously. After spending years deeply investigating them, I could list 100 positives and very few negatives about them. It's poised to be easily a potential 10 bagger within a couple years, and could have one of the biggest market caps of all healthcare stocks within a decade. Don't take my word for it though. Anyone doing a deep on it will tell you the same. Do your own research and I'm sure you'll come to the same conclusion. If you don't, I'd love to hear a well thought out case against it. I'm forever a contrarian and hearing other constructive perspectives against what I think is always welcome.
HUM up 7.5%, UNH down 7% yesterday. Where's our 7% day in UNH?
HUM just plunged down 9% a few minutes ago…someone got a glimpse at those earnings a little early (or just saw UNH and their peers posting shit numbers and realized what’s about to happen)
How likely is UNH ripping on HUM tomorrow?
Sold my UNH at 270. Made $100 on the CSP I sold. I’m done with that stock. I’m done with health care completely. PFE and HUM fuk me last year.
HUM should be massive RED, I am all in PUT here!
Best of luck. I can’t take health insurers anymore. Bought to close my CSP’s on $HUM today. Either of these could go 20 points in any direction. Feels like a pure gamble. I am generally positive but not willing to make that bet. GL
Lots of CALLS this week 🔥🔥🔥…..including SPY 🔥🔥🔥….Not many Puts but on: UNH, HUM, CI, KHZ, & F.
I like both but UNH has much better liquidity HUM isn’t as diversified as UNH
HUM has ER a day after UNH might play it
Is there a reason that I’m not seeing more detail buying into Medicare? OSCR,HUM,CNC,UNH? All these stocks are getting battered and cheap asf right now
UNH and HUM next weeks calls
Next week is health week. Calls UNH HUM CNC
I guess short HUM and CVS as they will also be served !!!
Youre a mad man 😂 but I am a clov investor so eh 🤷♂️ check out the subdomain hype that clov is working with HUM to improve hum BER. Hum might just do it 🤷♂️
Just a bad day for health insurers. I’m in $HUM and keep getting pummeled. Godspeed OP
Shoutout to the person who posted about OPEN a few days ago You tripled my position. Thank you! But to bring a different topic to the sub. I’d love to hear your thoughts on the major healthcare providers. Most of them have earnings coming up in the next two weeks: ELV already reported last Thursday and dropped 20% right after. Upcoming: MOH, CNC, UNH, HUM, CI, CVS My question: And what are your short-term views on the sector under the current administration? Curious to hear if you're bullish, bearish, or staying out altogether. My plan is to buy a week after earnings (amateur gut feel).
I put my whole portfolio on UNH & HUM on Friday before close
I put my whole entire portfolio on UNH & HUM calls on Friday
**Health insurers are increasingly denying medical claims: report** *The rejections of prescription drug coverage among private health insurers in the U.S. have jumped 25% from 2016 to 2023, The New York Times reported, citing an analysis of over four billion claims compiled by the health analytics firm Komodo Health.* *The review further suggests that claim denials have risen from 18.3% in 2016 to 22.9% in 2023, with many leading health insurers, including managed care giant UnitedHealth (NYSE:UNH), recording increases over the eight years.* *Cigna (NYSE:CI) recorded the highest denial rate of 25% in 2023, according to the analysis of 4.5B claims from commercial health plans. Meanwhile, the rejection rates at CVS Health’s (NYSE:CVS) Aetna insurance arm, UnitedHealth (NYSE:UNH), and Anthem, now known as Elevance Health (NYSE:ELV), have stood at 24%, 23%, and 22%, respectively.* *However, Humana (HUM), the only insurer to witness a drop in denial rates over the past two years, has indicated a 20% rejection rate.*
Look at ELV and HUM, I don’t think it’ll recover at earnings even with a reinstated earnings. The whole sector it’s in is tanking, it’ll be a while till the sentiment turns around
No one knows. Next 2 week will tell the story on health insurers investability. $HUM earnings 7/25 and $UNH 7/29. If $HUM can guide well to target and perhaps $UNH does provide some or any guidance could be a good week. Different business models I know but related for sure. I am not looking to recapture ATH’s since they really benefited from no one seeing a doctor during COVID and it finally caught up with them but am very hopeful for these earnings. With all that said prayer is not an investment strategy yet here I find myself in end of quarter prayer mode. I have shares as well and we can’t seem to find that bottom. I’m selling some OTM CC’s for a bit of a cushion. If you have a small loss and don’t want the gamble maybe cut as it could be dead money for a year or two or ride the ride. In my experience I am holding and as such am fully prepared to get screwed next week.
UNH and HUM are now about 7% of my holdings.
His time frame is pretty short.... so for busy people.. it's hard to make it work. My strategy is similar... when a large establish company like AMD is -40+% from it's peak, I would start buying in... yes Ist times I have more than 1.5m in 2 yrs out Call options... did this for the last 10 years and returns had been very sweet. The trick is in discipline and not chasing or getting in too much too early. The idea is to be 95% in near the bottom (within 20% of the lows)... and from there on , sit, take a walk in the park... enjoy the flowers and the bees .. come back in 6 mths .. it's almost certainly be much higher ... Don't argue .... look at Microsoft or AMD, ANET, SMCI charts over the last 6 mths and look at what the cost of Jan 2027 Call Options that are 50% higher than their price at that time... and look at what the cost right now... at least 2x to 3x within about 3 mths. Bought 350 contracts of AMD 275 strike at 6.25 when it was not even at the low (~$4) and it's as high as $25 since. look at Microsoft too... Latest... started looking at health insurers yesterday... whole sector is down 20% to 60% , nibbled on CNC and HUM Jan 2027 yesterday... hopefully bottom is 20% from here and by then I hope to have lined up a couple of hundred contracts. These are multi $100B+ revenue companies... in an area that will not go out of fashion. They'll figure it out... raise prices 🥴
I would simply wait if my focus was on entering a CSP. In retrospect this week I did enter on Friday as I really liked the set up, premiums, and price level. I took a CSP, bought shares, and sold a CC on those shares. Worked out perfect by Tuesday on all fronts, sold everything. ($HUM) I think it will come back down to $235 which was my long entry last week. If not it was a mistake but still killed it on premiums and I’m in take the money mode right now. Went into a 22.5 $GME CSP which I sold Weds. Weds took the 195 CSP $APPL which I believe will work out for Friday and back to all cash for the weekend. But I guess the point is (for me) I don’t have a “rule” that buying on Friday is a good rule. I have read that a lot in forums and disagree. If I can catch a down day Friday sure enter. But it’s damn sure not a rule. I don’t need force anything that’s not there.
Been tracking this company for a while. I'm bullish for many reasons. A major risk with this and any payor for that matter (See HUM/UNH) is changes to medicaid and medicare reimbursements. More of a sector risk to companies in one or both of those. However, if I had to pick an aggressive growth company in this space it would be them.
Next Friday at 3:45 pm, take a look at HUM calls 5 bucks otm. Free money.
no one knows what UNH's care ratio is, myself included. im bracing myself for 90% but if we get 95% like HUM 2 years ago, i wouldnt be surprised if they went lower, assuming they couldn't provide clarity for FY26
I had HUM 225 puts and ZIM 17.5 puts for earnings. They actually did hit those prices, but my timing was off so I was still wrong ... sigh
I agree that United Health will eventually find it's footing and grow from here especially being down over 50% from highs but they need to get past CMS audits first. If CMS finds fraudulent billing/upcoding that shit is gonna tank (along w HUM). You might be better off selling puts on a few solid plays once a month and make 15-25% on your money. That beats any savings acct.
Mask mandates in some major states didn’t end until April 2022. People are slow to act and it’s not like that was the all clear for people concerned with Covid. The process must start up again, scheduling, I should have this procedure, etc back to normalization of medical usage for the population which was so interrupted. So that easily puts people on tract to begin more usage in 2023, everything isn’t an emergency, which they did. The industry really saw utilization rates increase in 2024 back to normal and it’s just 2025. Makes perfect sense to me. I kinda follow the industry a bit and am swing trading another healthcare stock at my own risk of course. I have been trying to catch a falling knife and bounce for in HUM for 2 years. In no way would I personally YOLO my house sale proceeds into healthcare right now just because the stock looks cheap. Take a look at the 5 year chart and it’s about at Covid levels. Beyond utilization, there are also significant headwinds. For all I know the stock will be at $500 next summer. I ain’t betting my wife and house on it hence my love for this regarded play.
I had assumed $HUM was a "safer" play than $UNH which could take advantage of $UNH's situation. How wrong I was. $HUM is drilling. Mango decided to reshape the medical industry via compliance while removing 7m people from Medicaid. How the healthcare industry stops drilling, I don't know, but I could really use that bull spirit when everything looks bad right about now.
It isn't even at 17 P/E yet which HUM is trading at on less revenue...
The only other time I've been this excited for a stock was when I saw short interest on GME at 120% The math is fucking there. Like the P/E of HUM is 17 right now on worse fundamentals. That equates to $405 a share at the minimum. Even if they get smacked with a lawsuit, which the DoJ doesn't even have anything out yet, it's revenue is just so GAWDAMN CHUNKY. Shit got me taking crazy pills thinking I'm on r/valueinvesting
400 is roughly 17 P/E which HUM is trading at. It's a no brainer!
I feel like 410 is a good point. That's roughly 17 P/E which it's main industry competitor (HUM) is trading at.
HUM has a P/E of 17 UNH at a P/E of 17 is $405 CVS has a P/E of 13 which is what UNH is at right now, there's no fucking way.
You regards are too regarded to have noticed that HUM is at 52 week lows, a major level of support, and the pres/ceo just increased his position by 27% on Friday. And these mods are so stupid they made Pre$ident a controversial word. Hate it here
Flip the HUM chart upside down and you have an inverse double top  *not financial advice*
For sure, can't believe HUM is trading at 2017 levels and UNH at 2018 levels.
UNH and HUM at these levels is a massive generational wealth building opportunity. Mega market cap beasts way oversold and beaten down, borderline too big to fail, and pay nice dividends.
UNH 11.47 P/E Market Cap of 248B ELV 15.22 P/E MC of 88B CI 17 P/E MC of 82B CVS 14.45 P/E MC of 76B CNC 9 P/E MC of 30B (The cash flow shrinkage keeps me away from this one) HUM 16 P/E MC of 27.5B MOH 15 P/E MC of 17B OSCR 60 P/E MC of 4.2B a 15 P/E feels appropriate for the group. Today's move down was imo a great opportunity.
What we think about HUM boiz no regarded replies plz
3% dividend, p/e 11.5 peers: CI 2% dividend, p/e 17 HUM 1.6% dividend, p/e 16 Value play, seems like a okay idea to me, ride it up to $500, collect the 3% in the meantime.
I allocated 5% of my portfolio to UNH and 5% to HUM. Of course, I did it yesterday, but I can be patient.
My HUM puts for earnings was just 1 week too early :(
# Is buying UNH here like buying 2022 bottom for NFLX / META? It took 20 trading days for UNH to fall down to **$256.15,** which is more than 50% off of its ATH at $630.73. * **Trailing 12-Month EPS**: $23.88 * **Trailing P/E Ratio**: Approximately **10.7x** * **Forward P/E Ratio**: Approximately **9.8x** UNH's historical average P/E ratio: 22.3x Usually the best time to buy a money printing solid business is when everyone hates it or won't touch it (see META or NFLX, or TSLA when it dipped around 200 earlier this year). I know that UNH is a scummy company (but most companies are), but like BA, feels like getting in here would have a higher reward. Also, if there is a tech sector pullback (I feel that Nasdaq is getting frothy), people may pile back into safe haven like gold, healthcare providers, etc. It's not a coincidence that other insurance companies (HUM, CI) dipped along with UNH. What are your thoughts?
lol was just taking a look at CI, HUM, and ELV
I almost yoloed unh today but decided last minute to go HUM Holy shit  I was this close to death
I wouldn't be touching HUM until the 140 stops get blown out at the earliest. It honestly has a lot more room to fall still. Monthly RSI isn't even close to oversold yet and it's just about to enter 5th wave decline. It could very well see under 100 before any sort of bounce begins. Healthcare is not the sector to be putting your money right now. XLV just broke the tariff lows and is headed to take out all those stops at 120-113.
And that’s what makes a market. Been watching HUM for 2-3 years and would like to believe they are finally turning the corner. Unfortunately they got caught up in the UNH mess this week. Been wrong on them for a while but can easily see $250 pretty quick. And if they can maintain earnings estimates for the year $300 isn’t a stretch. Or FML they go to $200 but I’m use to it. Generating decent CC’s atm. The dangers of bottom fishing. Comfortable the downside risk is minimal at this point. Low PE solid earrings and of course a few outstanding risks. If they get their star rating in October that’s real good news. But yes, well aware of the risks right now. Won’t really touch UNH yet as it took quite awhile for HUM to begin to right the ship after some huge drops. Healthcare is no doubt out of favor.
Agreed you’ll make it out alive. Personally playing sympathy drop on HUM right now although they continued dropping into the close which sucked. YOLO’d in at $236 today and hoping for a bounce and then some. So much bad news already priced in and they finally had a good quarter last time. OP got lucky as hell with that play. Congrats
All the other health care stocks catching strays, I’d buy HUM or CI
YOLO’d HUM at $236. For once can the knife stop falling?
Last year HUM bled out. This year it’s UNH turn
Why is UNH CEO leaving a HUM issue ?