$CNC (-23,72%)
$CI (-4,12%)
$OSCR
$UNH (-5,29%)
$HUM (-1,2%)
$CVS (-3,6%)

$CNC (-23,72%) Centene has withdrawn its earnings guidance for 2025 after new data showed significantly higher morbidity and lower than expected growth in the Marketplace business. This resulted in a decline in net revenue from risk adjustment of approximately $1.8 billion and a decline in earnings of approximately $2.75 per share. Medicaid costs are also rising, particularly in the areas of mental health, home care and expensive drugs in states such as New York and Florida. $CNC (-23,72%) plans a price correction for 2026 and will provide more information in its Q2 results on July 25.

Oscar Health $OSCR is also down due to its high presence in this area, as are other insurance stocks such as $HUM (-1,2%) , $CI (-4,12%) and $UNH (-5,29%) . $CNC (-23,72%) will announce further details on its Q2 results on July 25.

Centene $CNC (-23,72%) has withdrawn its forecast for 2025 due to rising ACA/Medicaid costs. (The Affordable Care Act (ACA), also known as ObamacareACA) accounts for 72% of the business of $CNC (-23,72%) business.

$UNH (-5,29%) has withdrawn from many ACA markets and it now accounts for only a small part of their business.

$CNC (-23,72%) also reported that Medicare Advantage plans are doing better than expected, could be a positive for $UNH (-5,29%) positive as many people now have to self-insure.

$UNH (-5,29%)

19 purchases in 2025, some already in the red

$CVS (-3,6%)
$OSCR
$CI (-4,12%)
$HUM (-1,2%)
$CNC (-23,72%)
$ELV (-4,81%)

Hello my investors,

I will probably open my next short position at $HUM (-1,2%) 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 (-5,29%) but also those of competitors $ELV (-4,81%)
$HUM (-1,2%) and $CI (-4,12%) 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 (+0,08%) is of course a systemic risk when investing. However, these are not necessarily particularly controversial sectors. Retailers $WMT (-0,7%) pharmaceuticals $PFE (+0,85%)
$CVS (-3,6%) consumer goods manufacturers $KVUE (-0,51%)
$BATS (+1,26%) defense companies $LMT (-0,62%) 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 (-4,74%) 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 (-5,29%) with over 500 billion and over 40 billion of $HUM (-1,2%) . 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?