Wolterk / iStock Editorial via Getty Images Quick Read UnitedHealth (UNH) shares surged 5.8% over two days as Reddit investor sentiment flipped from deeply bearish to bullish. UnitedHealth premiums rose 20-30% this year while the core UnitedHealthcare segment grew revenue 16% year-over-year. Management raised 2025 guidance to at least $16.25 adjusted EPS and signaled accelerating growth in 2026. If you’re thinking about retiring or know someone who is, there are three quick questions causing many ...

Core Insights - CNO Financial Group, Inc. (CNO) shares increased by 3.5% following the release of its third-quarter 2025 results, driven by strong premium collections from annuity, life, and health products, alongside rising new annualized premiums and higher fee revenues, although partially offset by increased total benefits and expenses [1][10]. Financial Performance - CNO reported adjusted earnings per share (EPS) of 96 cents, exceeding the Zacks Consensus Estimate by 1.1%, and an increase from 92 cents a year ago [2][10]. - Operating revenues reached $1.2 billion, marking a 5.3% year-over-year increase and surpassing the consensus estimate by 26.3% [2][10]. - Total insurance policy income rose 2.1% year over year to $658.4 million, beating the Zacks Consensus Estimate of $653 million [3]. Premiums and Expenses - Collected premiums from annuity, life, and health products totaled $1.1 billion, reflecting a 2.1% year-over-year increase [5]. - New annualized premiums for health products surged by 20.2% year over year, while life products increased by 32.1% [6]. - Total benefits and expenses rose by 3% year over year to $1.2 billion, driven by higher operating costs [6]. Investment and Assets - Net investment losses were reported at $8.8 million, an improvement from the previous year's loss of $11.1 million [4]. - General account assets grew by 4.5% year over year to $382.9 million, while policyholder and other special-purpose portfolios increased by 33.3% to $116.8 million [4]. Shareholder Returns - CNO returned $60 million to shareholders through share buybacks and $16.4 million in dividends during the third quarter, with a remaining repurchase capacity of $480.4 million [11]. Guidance and Projections - For 2025, CNO anticipates operating EPS in the range of $3.75-$3.85, an increase from the previous estimate of $3.70-$3.90 [12]. - The company now estimates excess cash flow to the holding company between $365-$385 million, up from the prior range of $200-$250 million [12]. - The projected expense ratio is around 19%, improved from the previous estimate of 19-19.2% [13].

Former Transportation Secretary Pete Buttigieg on Monday night framed President Donald Trump's attacks on air traffic controllers as a deliberate distraction from the administration’s “failure on everyday life costs,” specifically what Buttigieg called a “bad deal” on health insurance.Buttigieg Calls Out Rising Health Insurance CostsIn a series of posts on X, Buttigieg highlighted the economic pressure facing Americans. “Everyday life – making it better and more affordable – must always be our bottom line,” ...

Shares of major health insurers slid Monday as investors reacted to a Senate deal that ended the 40-day U.S. government shutdown but failed to extend subsidies under the Affordable Care Act (ACA).The agreement delays the contentious issue until December, raising uncertainty for millions of Americans who depend on the subsidies to afford health coverage.Health insurance stocks are trading lower as markets weighed the political impasse's impact on the sector.On Sunday, Reuters cited Trump’s Truth Social post, ...

Nearly 24 million Americans could see their health insurance premiums spike by upwards of 75% in 2026. That’s how many people are enrolled in the Affordable Care Act (ACA) Marketplace health insurance program, according to the Kaiser Family Foundation (KFF). Must Read Since 2021, the majority of them have received pandemic-era tax credits that reduce their insurance premiums. Those subsidies have been a lifeline for freelancers, gig workers and small business owners — representing nearly half of the en ...

Health insurance company Oscar Health (NYSE:OSCR) fell short of the markets revenue expectations in Q3 CY2025, but sales rose 23.2% year on year to $2.99 billion. On the other hand, the company’s full-year revenue guidance of $12.1 billion at the midpoint came in 0.5% above analysts’ estimates. Its GAAP loss of $0.53 per share was 6.8% below analysts’ consensus estimates. Is now the time to buy OSCR? Find out in our full research report (it’s free for active Edge members). Oscar Health (OSCR) Q3 CY2025 ...

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We returned $76 million to shareholders in the quarter, $310 million year to date. Book value per diluted share, excluding AOCI, was $38.1, up 6%. Paul will go into greater detail on our financial performance. Turning to Slide five. Nearly all of our growth scorecard metrics were up for the quarter. As a reminder, our growth scorecard focuses on three key drivers of our performance: production, distribution, and investments in capital. I'll discuss each division in the next two slides. Paul will cover inves ...

Core Insights - Oscar Health is launching affordable, tech-powered health insurance plans for individuals and families in Charlotte for the 2026 Open Enrollment period [1] Company Overview - Oscar Health is focusing on providing accessible health insurance options in the individual marketplace [1]

Core Insights - The company is focused on enhancing the consumer shopping experience through operational excellence and AI technology, particularly with tools like AgenTeq AI and LLMs [1] - The recent passing of the founder, Doug Lebda, has left a significant impact on the company, with leadership expressing commitment to uphold his legacy [2][4] - The company reported strong financial results for Q3, with revenue reaching $308 million, marking the second highest in its history, and all segments showing double-digit year-over-year growth [5][6] Financial Performance - Q3 revenue of $308 million was nearly at the historical high, with a sixth consecutive quarter of revenue growth [5] - Each business segment recorded double-digit year-over-year revenue and VMD growth, indicating robust performance across the board [5][6] - The insurance segment has regained leadership in the marketplace, with a notable 60% increase in spending from the fourth to tenth largest carriers compared to the previous year [7] Business Strategy - The company is leveraging its diversified business model to capture high demand, particularly in the insurance sector, and is well-positioned for future growth [6] - A strong focus on high-touch customer service has resulted in a 30% increase in loans closed for partners and a 50% year-over-year revenue increase [8] - The personal loans business is expanding as lenders are cautiously widening credit criteria, with double-digit growth in close rates for debt consolidation loans [8][9] Market Outlook - The home equity product revenue increased by 35% in Q3, despite high mortgage rates, indicating resilience in the housing market [9] - The company anticipates strong growth in the insurance segment, with a focus on driving high-quality traffic and maximizing VMD [22] - There is optimism regarding the mortgage market, with expectations of a potential refinancing boom if mortgage rates decline to around 5.75% [30][31] Leadership and Culture - The new CEO expresses a commitment to continue the vision established by the founder, emphasizing the importance of employee ownership through stock compensation [3][10] - The company culture is highlighted as a key strength, with a focus on employee engagement and performance [2][3] Future Initiatives - The company is exploring potential M&A opportunities to enhance its service offerings, particularly looking for smaller companies that can complement its existing products [36][37] - There is a strategic emphasis on building a direct concierge sales team to improve consumer experience and monetization [13]