We're back now with the cost of denial. Our series on the challenges Americans face with their insurance providers. Tonight, the family that drained their retirement savings to pay for the surgery their daughter desperately needed and how they believe our reporting changed everything for their daughter. Here's Camila Bernal. >> Minutes before her 10-hour surgery, Olivia Olsen is feeling confident. I think I look beautiful and I don't really care what other people think of me. >> The 8-year-old was born with ...

Core Insights - The article highlights seven insurance stocks to watch, including United Parcel Service, Berkshire Hathaway, Wells Fargo & Company, Progressive, Arthur J. Gallagher & Co., Brown & Brown, and Everest Group, based on their high trading volumes recently [2] Group 1: Company Profiles - United Parcel Service (UPS) is a package delivery company that offers a range of services including transportation, delivery, distribution, and insurance, operating through U.S. Domestic Package and International Package segments [3] - Berkshire Hathaway Inc. engages in insurance, freight rail transportation, and utility businesses, providing various insurance products and operating railroad systems in North America [4] - Wells Fargo & Company is a diversified financial services company offering banking, insurance, investments, and mortgage services, operating through multiple segments including Consumer Banking and Lending, and Corporate and Investment Banking [5] - Progressive Corporation provides personal and commercial auto and property insurance products, operating in three segments: Personal Lines, Commercial Lines, and Property [6] - Arthur J. Gallagher & Co. offers insurance brokerage and consulting services, operating through Brokerage, Risk Management, and Corporate segments [6] - Brown & Brown, Inc. is an insurance agency and brokerage firm providing various insurance services, operating through Retail, National Programs, Wholesale Brokerage, and Services segments [7] - Everest Group, Ltd. provides reinsurance and insurance products globally, operating through Insurance and Reinsurance segments [7]

Company Overview - CVS Health Corporation has a market cap of $104.6 billion and operates through Health Care Benefits, Health Services, and Pharmacy & Consumer Wellness segments, providing health insurance, pharmacy benefit management, and retail pharmacy products [1] Stock Performance - CVS stock has surged 43.3% over the past 52 weeks, significantly outperforming the S&P 500 Index, which gained 18.3% during the same period [2] - Year-to-date, CVS stock has climbed 83.1%, compared to the S&P 500's 17.2% gain [2] - CVS shares have also outperformed the Health Care Select Sector SPDR Fund, which saw a 2.3% decline over the past 52 weeks [3] Financial Performance - In Q2 2025, CVS reported adjusted EPS of $1.81 and revenue of $98.92 billion, which were stronger than expected; however, shares fell marginally [4] - The company's GAAP earnings dropped to $0.80 per share from $1.41 a year earlier, and net cash from operating activities decreased to $6.45 billion from $7.99 billion [4] Future Outlook - Analysts expect CVS' adjusted EPS to grow 17.3% year-over-year to $6.36 for the current fiscal year ending in December 2025 [5] - CVS has a promising earnings surprise history, beating consensus estimates in the last four quarters [5] - The consensus rating among 25 analysts is a "Strong Buy," with 20 "Strong Buy" ratings, two "Moderate Buys," and three "Holds" [5] Analyst Ratings - Morgan Stanley analyst Erin Wright raised CVS Health's price target to $89 while maintaining an "Overweight" rating [7] - The mean price target of $86 represents a 4.6% premium to CVS' current price, while the Street-high price target of $103 suggests a potential upside of 25.3% [7]

Group 1 - Chubb Limited (NYSE:CB) is recognized as a relatively cheap stock within the S&P 500, with positive remarks from Jim Cramer highlighting it as a leading property and casualty insurance play [1] - The company offers a wide range of insurance and reinsurance products, including property and casualty, life, health, agriculture, and specialty coverages [1] - In the second quarter of 2025, Chubb Limited's performance was negatively impacted by a market rotation away from defensive stocks, amidst a broader market rally driven by technology and cyclical sectors [1] - The first quarter earnings report indicated a slowdown in growth for P&C net written premiums, raising concerns about potential softening pricing trends in its commercial insurance business after several years of strong performance [1] Group 2 - While Chubb Limited is acknowledged as a potential investment, certain AI stocks are considered to offer greater upside potential and less downside risk [1]

Core Insights - UnitedHealth's recent quarterly results showed a mixed performance with revenues increasing by 12.9% year-over-year to $111.62 billion, while earnings per share declined by 40% to $4.08, missing expectations [1][7] - The company has cut its revenue outlook for the year to between $445.5 billion and $448.0 billion, and earnings per share projections have also been significantly reduced [8] Financial Performance - Revenues for the quarter reached $111.62 billion, marking a 12.9% increase year-over-year [1] - Optum, contributing over 60% of total revenues, reported sales of $67.2 billion, up 6.8% from the previous year [1] - Earnings per share of $4.08 represented a 40% decline from the prior year and fell short of the expected $4.45 [7] - Cash flow from operating activities was $12.6 billion for the first half of the year, a more than 60% increase year-over-year, with a cash balance of $32 billion [9] Market Position and Valuation - UnitedHealth is valued at a market cap of $319.3 billion, making it the largest insurer in the U.S., with a dividend yield of 2.41% [3] - The company has consistently raised dividends for 15 years, with a recent increase of 5% to $2.21 per share [3] - Despite a year-to-date decline of 30.3% in share price, Warren Buffett purchased approximately 5 million shares for about $1.6 billion, indicating confidence in the stock [5][6] Strategic Initiatives - UnitedHealth is transitioning from a traditional fee-for-service model to value-based care, leveraging patient data for tailored treatment plans [10] - The company is investing in artificial intelligence initiatives expected to save nearly $1 billion annually by fiscal 2026, enhancing operational efficiency [11] - Optum is identified as a key growth driver, with segments like Optum Rx and Optum Health expanding significantly, and Optum Insight's operating profit increased by 83% year-over-year [12] Analyst Ratings - Analysts have assigned a "Moderate Buy" rating for UNH stock, with a mean target price of $316.29, and a high target price of $440 indicating a potential upside of about 25% [14]

Company Announcement - TIAN RUIXIANG Holdings Ltd. will implement a reverse stock split at a ratio of five (5) to one (1), effective September 5, 2025, with shares trading under the same ticker symbol TIRX on the Nasdaq Capital Market [1] - The par value of the Company's Class A and Class B ordinary shares will increase from US$0.025 to US$0.125 per share as part of the reverse stock split [2] - No fractional shares will be issued; any fractional entitlements will be rounded up to the nearest whole share [2] Company Overview - TIAN RUIXIANG Holdings Ltd. is an insurance broker based in Beijing, China, operating through a variable interest entity [3] - The Company distributes a variety of insurance products, categorized into property and casualty insurance, and other types of insurance such as health and life insurance [3]