19 purchases in 2025, some already in the red
$CVS (+0,24 %)
$OSCR
$CI (-1,26 %)
$HUM (+1,83 %)
$CNC (+0,46 %)
$ELV (+2,26 %)
Postes
419 purchases in 2025, some already in the red
$CVS (+0,24 %)
$OSCR
$CI (-1,26 %)
$HUM (+1,83 %)
$CNC (+0,46 %)
$ELV (+2,26 %)
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 (+1,77 %) 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.
Hello my investors,
I will probably open my next short position at $HUM (+1,83 %) I will probably open my next short position.
You can find my analysis here: https://www.mediafire.com/file/k7kiiwdldfyxdxo/Analyse_Humana.docx/file
+++ News: Heated mood around US health insurers +++
The shares of well-known insurance companies such as $UNH (+1,77 %) but also those of competitors $ELV (+2,26 %)
$HUM (+1,83 %) and $CI (-1,26 %) have fallen surprisingly this week. Although the losses are limited, the reasons for this are more than just shocking.
As I reported earlier, the CEO of United Healthcare's insurance division was the victim of a targeted assassination. While the police are now investigating at full speed, the perpetrator is currently the target of downright hero worship on social media. The assassin is repeatedly equated with characters from pop culture such as Batman, Robin Hood or John Wick.
Insults against the victim and his family are also liked and shared thousands of times. It is not just the viciousness of the comments that is frightening - but the fact that, as is so often the case in such instances, the platforms simply let them stand.
Insurers' shares are currently falling because there are fears that there could be further murders of insurance employees. The management of the major insurance companies is alarmed and has hastily removed photos and other personal data of their "C-level executives" from their websites.
Commentary and classification: After the failed assassination attempt on Trump, I'm hardly surprised at the kind of people we're dealing with here. The same people who talk about democracy and human rights in every other sentence are the same people who are now calling for the assassination of their ideological opponents once again. Even a good ESG score doesn't help United Health against so much hatred.
From a purely shareholder perspective, this charged sentiment towards the banking and insurance sector is $JPM (-0,12 %) is of course a systemic risk when investing. However, these are not necessarily particularly controversial sectors. Retailers $WMT (+0,92 %) pharmaceuticals $PFE (-0,39 %)
$CVS (+0,24 %) consumer goods manufacturers $KVUE (-1,38 %)
$BATS (-1,29 %) defense companies $LMT (-0,25 %) etc. could soon find themselves in the crosshairs.
If you really want to be absolutely sure of being invested in a politically correct way, simply put your money in Northvolt and make a 90% loss. This also ensures that you can "eat the rich" can no longer be meant.
$CLOV (-0,42 %) was unfortunately traded as a meme stock in the forums for a long time. But does that mean you can't invest? No!
Clover Health is a US company that offers Medicare Advantage plans and uses data and technology to improve healthcare for seniors. It focuses on patient-centered, cost-effective care.
The company is now profitable and there are many positive prospects on the horizon:
- Currently a CMS rating of 3.5, which is expected to be set to 4 in the near future
- It is assumed that Clover will offer its software as a SaaS model
- In general, demographic change is expected to increase the number of senior citizens in the USA (current retirement of baby boomers)
- Compared to its competitors, Clover is hot-as-hot cheap with just under one billion market capitalization vs. $UNH (+1,77 %) with over 500 billion and over 40 billion of $HUM (+1,83 %) . This alone shows what potential Clover still has.
I have a large position with an average purchase price of €1.50 and am currently up 70% and am looking forward to further upside.
Who else is invested in Clover and why?
Meilleurs créateurs cette semaine