$UNH (+0.4%)
$NOVO B (-1.63%)
$HIMS (+5.43%)
$LLY (+0.27%)
$M2PW34
$BNTX (+0.33%)
$OSCR

$UNH (+0.4%)

19 purchases in 2025, some already in the red

$CVS (+2.31%)
$OSCR
$CI (+3.95%)
$HUM (-2.53%)
$CNC (+0.77%)
$ELV (-0.11%)

$UNH (+0.4%)

Supplementary information/further research:

ESPP programs have a contribution limit of $25,000 per year per employee under IRS 423c. You cannot buy unlimited shares. This buying pressure is negligible for price movements (especially long term).

In addition, the buying power is split between two purchase dates.

The participation rate of $UNH (+0.4%) employees in the ESPP is unlikely to be anywhere near 100% and some employees will often sell their shares on the same day they buy them as there is no holding period.

Here are more insights from Mr. Peter Ottavio on UNH/Optum Rx and Optum Health:

(For those who are interested)

These are just a few of the many reasons why I love working at this company as a partner/physician of OptumHealth/UHG. UNH functions more like three efficient companies in one.

OptumHealth is a subsidiary of UnitedHealth Group and focuses on healthcare delivery, population health management and technology-enabled services. With approximately 90,000 physicians and 40,000 healthcare providers, it is the largest provider network in the country. This size provides providers with the resources they need to care for patients efficiently and effectively. Of all the health systems I've worked for, I've never had the resources to care for a sick patient so effectively. In addition, I have never experienced such tremendous growth of a provider network during my three years here.

If a patient comes to me with a cough, I can immediately have x-rays and blood work done in the same building without authorization or delay. The patient then comes back into the hallway to review the images and discuss the next steps in treatment. In the unlikely event that a lung tumor is detected, I can have a CT scan of the chest performed immediately on campus (or off campus if the patient wishes) on the same day and come back the same day to discuss the next steps. If a PET scan is then required, I can have this done as soon as possible. I can honestly say that I have never been refused a CT or PET scan for valid reasons.

OptumRx is the pharmacy benefit management and pharmacy supply arm of UnitedHealth Group and is one of the largest mail-order pharmacies in the country. OptumRx often provides necessary medications affordably and efficiently. The choice is up to the patient, but for long-term therapy, many choose this route.

The sad news about Brian Thompson has hit us hard. While I have heard many good things about him, the role of the insurance arm of the company is not one of my responsibilities.

I have watched countless hours of interviews and presentations by Hemsley and would liken him to Steve Jobs as the true expert on these companies and would definitely welcome him back.

Regarding ESPP.

UnitedHealth Group's Employee Stock Purchase Plan (ESPP) allows eligible employees of UnitedHealth Group (UHG), including its subsidiaries such as UnitedHealthcare, to purchase UHG common stock (traded under the symbol UNH) at a discounted price through payroll deductions. Employees who elect to do so will receive six months of regular payroll deductions from January 2 through July 1 and from July 2 through January 1. These payroll deductions are accumulated in an escrow account and purchased on July 1 at a discounted rate at the same time. Our portfolio books the purchase on the following day.

None of this is financial advice, but for those of you who have requested information on the role of UHG companies and their ESPP, this is the well-documented and non-confidential information provided.

$OSCR
$CVS (+2.31%)
$CI (+3.95%)

$UNH (+0.4%)

$UNH (+0.4%) is a full-stack company in the healthcare sector.

It has two main business units: UnitedHealthcare and Optum.

UnitedHealthcare provides health insurance, while Optum provides care services and pharmacy benefits management.

Customers pay premiums to UnitedHealthcare.

When they need care, they primarily use Optum and $UNH (+0.4%) pay Optum for their care.

Optum not only provides the company with operational benefits, but also generates significant external revenue.

Many other insurers and employers also use Optum's care network and benefits administration for pharmacies.

This generates considerable external revenue.

This model has worked incredibly well for $UNH (+0.4%) worked incredibly well so far.

Although the company is the largest health insurer in the world, it has been able to increase its turnover by 11% annually over the last five years.

In the last quarter, the company gained a record 700,000 customers, an amazing achievement.

UnitedHealth Group (UNH) Annual % Change

2025 - 39.62%

2024 - 2.41%

2023 0.79%

2022 6.94%

2021 45.2%

2020 21.25%

2019 20%

2018 14.52%

2017 39.83%

2016 38.41%

2015 18.27%

2014 36.46%

2013 41.04%

2012 8.6%

2011 42.18%

2010 19.91%

2009 14.75%

2008 -54.26%

2007 8.38%

2006 -13.49%

2005 41.22%

2004 51.38%

2003 39.4%

2002 18.04%

2001 15.37%

2000 131.18%

1999 23.44%

1998 13.29%

1997 10.49%

1996 31.13%

1995 44.97%

1994 19.02%

1993 33.49%

1992 52.75%

1991 220.6%

1990 92.15%

1989 169.46%

1988 24.1%

1987 56.71%

1986 18.29%

1985 164.44%

Also a positive sign:

United Healthcare $UNH (+0.4%) has recently seen considerable insider buying.

On May 16, CEO Hemsley bought 86,700 shares for 25 million dollars.

He was previously CEO of United Healthcare from 2006 to 2017 $UNH (+0.4%) and took office again in May. He now owns 1,112,339 shares worth around 340 million dollars

John Rex, President and CFO of the company, also bought 5 million dollars worth of shares on May 16 to increase his stake, which is now worth around 60 million dollars.

$CNC (+0.77%)
$OSCR
$CVS (+2.31%)
$CI (+3.95%)

Based on the information about the share from $OSCR I bought a few shares on Monday. For a share, I think the development after 2 days with + 30% at an EK of 14.5$ is already very good. Today's further strong rise is impressive.

KUV of 0.32 at $OSCR is blatant, I doubt that ACA will be dissolved by Trump!