Clover Health Investments, Corp. (NASDAQ:CLOV) is one of Goldman Sachs’ top penny stock picks. On January 29, 2026, Clover Health Investments, Corp. (NASDAQ:CLOV) announced it will release fourth‑quarter financial results after market close on Thursday, February 26, 2026. Clover Health Investments, Corp. (CLOV) on the Cusp of Profitability on Medicare Advantage Plans Business Growth The stock has been edging higher after the company disclosed on January 14 that enrollees in its Medicare Advantage Plans a ...

Ambetter Health Celebrates Completion of New Playground at Southeast Park [Accessibility Statement] Skip NavigationVolunteers partner with KABOOM! and the City of Hialeah to create a vibrant, kid-designed playspace in a single dayFORT LAUDERDALE, Fla., Feb. 12, 2026 /PRNewswire/ -- [Ambetter Health], a product offered by a [Centene Corporation](NYSE: CNC) through the Health Insurance Marketplace®, today announced a new playground at Southeast Park after volunteers built the play area in a single day on Janu ...

Core Insights - The article discusses the author's extensive experience in executive management, particularly in the insurance and reinsurance sectors, as well as knowledge in climate change and ESG [1]. Group 1 - The author has 36 years of experience in executive management, focusing on insurance/reinsurance and global markets [1]. - The author's educational background includes an honours degree in economics and politics, emphasizing economic development [1]. - The author invests personally, indicating a hands-on approach to investment [1].

Core Argument - Mark Cuban highlights a significant issue in the U.S. health insurance system, stating that rising deductibles make it difficult for many to utilize their insurance effectively, leading to a situation where individuals pay premiums but cannot afford the care they need [1][3]. Rising Deductibles - Cuban argues that as deductibles increase, fewer individuals can afford to use their insurance, which effectively leaves them without coverage despite ongoing premium payments [2][3]. - This situation is described as a structural flaw in the health insurance model, where the financial burden of high deductibles prevents access to necessary medical care [3]. Cash Pricing vs. Insurance - Cuban suggests that in some instances, paying healthcare providers directly may be more cost-effective than relying on high-deductible insurance plans, as cash prices can be lower than negotiated rates through insurance [4]. - He encourages individuals to seek out doctors willing to work directly with them on payment terms, potentially leading to savings compared to traditional insurance models [4].

These three dividend stocks are worth a close look for their solid business quality and attractive payouts.In a market where income investors have options, the 10-year Treasury yield of 4.2% serves as a "risk-free" rate. It represents the guaranteed return on government debt where principal loss is virtually non-existent. To compete with the relatively high rate, a dividend stock must offer price appreciation and growth potential backed by solid coverage ratios. These three companies fit that bill.Trading m ...

President and CEO Jim Rechtin emphasized that the company “continues to feel good” about membership growth and said Humana’s approach is focused on maximizing customer lifetime value and net present value through sustainable pricing and strong retention, rather than “loss leader” plans.Later in the call, management estimated incremental investments in 2025 totaled “close” to an analyst estimate of well over $550 million, and said roughly 90% of those incremental investments were in medical costs.Mellett sai ...

Financial Data and Key Metrics Changes - The company reported adjusted EPS of $17.14 for 2025, exceeding initial guidance of approximately $16.25 [17] - The full-year insurance segment benefit ratio was 90.4%, slightly better than guidance [18] - For 2026, the company expects full-year adjusted EPS of at least $9, with a year-over-year decline anticipated due to a stars headwind [19] Business Line Data and Key Metrics Changes - The company experienced approximately 1 million member growth, or 20%, during the Annual Enrollment Period (AEP) [8] - Retention rate improved by over 500 basis points year-over-year, with over 70% of new sales coming from switches from competitor plans [9] - The company expects individual Medicare Advantage (MA) membership growth of approximately 25% for full year 2026 [10] Market Data and Key Metrics Changes - The company absorbed approximately 12% of members impacted by competitor plan exits, which is less than its market share [9] - Nearly 30% of new sales were bounce-back members, indicating a positive mix of new sales [9] Company Strategy and Development Direction - The company remains committed to a consumer-centric strategy, focusing on maximizing customer lifetime value and member retention [6] - Plans are designed to be priced for sustainable margins, moving away from loss leader strategies [8] - The company is expanding its Medicaid and CenterWell footprint, with Medicaid now spanning 13 states [14] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the operational capacity to absorb growth and maintain quality care for members [10] - The company is adapting to the funding environment and expects to unlock earnings potential by 2028 [15] - Management acknowledged the challenges posed by the Advance Rate Notice but emphasized a commitment to protect consumers [15] Other Important Information - The company is focused on capital efficiency and plans to fund membership growth and strategic acquisitions while maintaining credit ratings [24] - A new President of Medicare Advantage, Aaron Martin, joined the company, bringing extensive healthcare experience [16] Q&A Session Summary Question: Can you expand on the level of earnings outside of MA underwriting? - Management indicated that earnings associated with CenterWell will contribute positively, with significant tailwinds expected from new membership [30] Question: How is the typical progress of margins for new members over time? - Management noted that margins typically improve significantly from year one to year two, with ongoing improvements expected in subsequent years [35] Question: What are the expectations for 2026 compared to Investor Day? - Management highlighted that the biggest difference is the embedded conservatism in their numbers, leading to a broader haircut in guidance [45] Question: How did the D-SNP membership growth compare to expectations? - The absolute number of new D-SNP members exceeded expectations, although the percentage growth was slightly lower [48] Question: What is the impact of the stars headwind on margins? - Management explained that the stars headwind affects both new and existing members, with similar margins expected for both cohorts [32] Question: How will the company adjust to the rate notice? - Management stated that they will adapt to the final rate notice and advocate for appropriate funding levels [59]

Humana (NYSE:HUM) Q4 2025 Earnings call February 11, 2026 08:00 AM ET Company ParticipantsAJ Rice - Managing DirectorBen Hendrix - VPCeleste Mellett - CFODavid Dintenfass - President of Enterprise GrowthElizabeth Anderson - Senior Managing DirectorGeorge Renaudin - President of Medicare and MedicaidJim Rechtin - President and CEOLance Wilkes - Managing DirectorLisa Stoner - VP of Investor RelationsWhit Mayo - Senior Managing DirectorConference Call ParticipantsAnn Hynes - Managing Director and Senior Health ...

Humana (NYSE:HUM) Q4 2025 Earnings call February 11, 2026 08:00 AM ET Speaker13Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Lisa Stoner, Vice President of Investor Relations. Please go ahead.Thank you and good morning. I hope everyone had a chance to review our press release and prepared remarks, which are available on our website. We will begin this morning with brief remarks from Jim Rechtin, Humana's President and Chief E ...

  US equity futures are flat ahead of today's delayed January payrolls (full preview here) with the market now expecting a weaker print after the Retail Sales miss and weaker high-frequency data. As of 8:00am ET, S&P and Nasdaq 100 futures are both up 0.1%. Pre-market, Mag7 names are mostly lower; Discretionary, Energy, Industrials and Materials are all higher pointing to a potential broad-based cyclical rally while TMT is muted; AI ex-Mag7 is seeing a bid. JPMorgan’s trading desk expects the delayed Januar ...