🌟🌟🌟As the largest healthcare insurer in the US, commanding a massive 30% share of  the Medicare Advantage market and hauling in a staggering USD 447.6 billion in revenue for 2025, $UnitedHealth(UNH)$  is the undisputed heavyweight of the sector.  When a giant like this stumbles, the shockwaves are felt across the entire market. UNH's "Grey Swan" Event: Why The Dip? The recent bloodbath wasn't just a bad day.  It was a 20% plunge that wiped out USD 80 billion in value for UNH.  The catalyst? A government proposal for a 0.09% Medicare Advantage rate increase for 2027.  This completely blindsided the market after analysts were banking on 4% to 6% increase.  It was an  une

UnitedHealth Group ( $UnitedHealth(UNH)$ ) cratered nearly 20% yesterday after guiding to its first annual revenue decline since 1989, with 2026 sales expected down ~2% and U.S. membership falling by over 3 million due to Medicare reimbursement pressure and rising medical costs. Congressman Kevin Hern disclosed a complete exit from his roughly $500,000 position ("sell to close"), triggering sharp sell-offs across healthcare stocks like Elevance Health and Humana (down 5-8%). This raises a key question: Should retail investors follow congressional trades? And with UNH now trading near $400 after the rout, is this a dip-buy opportunity or the start of deeper pain? Bull Case Congressional trade signal? Not reliable. Hern's position was small ($500K) a

UnitedHealth Group's (UNH) recent stock performance and guidance are influenced by several key factors, primarily revolving around regulatory scrutiny, rising medical costs, and strategic business developments. 1. Regulatory Scrutiny and Antitrust Concerns: DOJ Investigation: The U.S. Department of Justice (DOJ) has launched an antitrust investigation into UnitedHealth Group, focusing on its Optum unit and its impact on competition in the healthcare industry. This investigation is a significant overhang for the stock, as it could lead to divestitures or operational restrictions. Vertical Integration Concerns: The DOJ is reportedly examining the vertical integration of UnitedHealth's insurance business with its Optum health services arm, which includes physician groups, pharmacies, and data

$UnitedHealth(UNH)$   Key Points from Recent Reports • UnitedHealth’s Q4 results slightly beat on earnings per share but missed revenue expectations, and the company guided to lower 2026 revenue (about 2% decline). Shares declined sharply on this outlook.  • The CMS proposed a very modest increase (around 0.09 per cent) in Medicare Advantage payment rates for 2027, failing to keep pace with industry expectations and adding pressure on health insurers, particularly those with large MA footprints.  • The Dow Jones Industrial Average was weighed down by health insurer weakness, even as broader indices such as the S&P 500 posted gains.  Contrasting Analyst Views • Some analysts argue valuation metrics can present a long-ter

UNH Q4 Earnings: Profit Under Pressure, 2026 Theme Shifts to "Repricing, Scale Optimization, and Repair" Before the market opened on January 27, $UnitedHealth(UNH)$   released its fourth-quarter and full-year 2025 financial results. The stock plunged over 18% at the open due to guidance missing market expectations and the impact of Medicare Advantage (MA) rate adjustments. Key Financial Metrics ~Revenue: Reported at $113.20 billion, missing market expectations of $113.70 billion. ~Earnings Per Share (EPS): GAAP diluted EPS was $0.01, far below the consensus estimate of $1.73. Adjusted EPS came in at $2.11, slightly beating the expectation of $2.10. ~Operating Profit: Q4 operating profit was $0.40 billion, a

Analysis of UnitedHealth Group's 'Shrink-to-Profit' Strategy and the Health Insurance Sector Outlook UnitedHealth Group (UNH) is a diversified healthcare company, and its strategies, particularly the concept of "shrink-to-profit," are often discussed in the context of managing profitability amidst evolving market and regulatory landscapes. Understanding the 'Shrink-to-Profit' Concept The term "shrink-to-profit" in the context of a large, diversified company like UnitedHealth Group generally refers to a strategy where the company might: Divest less profitable or non-core assets/businesses: This could involve selling off segments that are underperforming or don't align with the company's long-term strategic vision, even if it means a reduction in overall revenue. Optimize operations and redu

🌟🌟🌟Nancy Pelosi's recent trading activity which includes large sales of Apple, Nvidia & Disney & subsequent purchases of LEAP call options in Alphabet, Amazon, Apple & Nvidia, is best interpreted as a sophisticated risk management & capital efficiency strategy, rather than a purely bearish signal. Important lessons that I can learn from her trading actions are: Understand Risk Management: This highlights the value of taking profits after strong performance & managing concentration risk. I can apply this by regularly rebalancing my portfolio, setting stop losses & not being overly concentrated in a few high performing stocks. Focus on Long Term Goals: Pelosi's LEAPs have a long timeframe of Jan 27.  This indicates a long term belief in the fundamental growth of

I read Pelosi’s trade as risk management, not a tech bearish call. Trimming $Apple(AAPL)$ and $NVIDIA(NVDA)$ after a strong run while rolling exposure into LEAP calls is a smart way to lock in gains and stay positioned for long-term upside with less capital at risk. It’s about efficiency and optionality, not exiting tech. For retail investors, the lesson isn’t to copy congressional trades, but to understand the thinking behind them. Most retail traders can’t size or structure trades the same way, so blindly following disclosures rarely works. What does help is learning when to take profits and how to maintain exposure without overcommitting capital. $UnitedHealt

If you could know their trades as they make it, then it would be good to follow, because it is obvious they are trading with information that only they have by being political big wigs. However all these declarations come out with some, and can only hint at certain trends, and therefore would be context to consider when making decisions. With regards to UNH, if more disclosures show these politicians disposing, then it would be conclusive evidence that the healthcare insurer is undergoing repricing where the current price would become the norm.

🌟🌟🌟Should Retail Investors Follow Congressional Trades?  I would say No.  Firstly there is a mandatory delay under the STOCK Act of up to 45 days after the trade has been done.  This means that retail investors are often acting in information that is weeks old.  The market may have already reacted or conditions may have changed. Members of Congress also often have access to financial tools & potentially non public information or unique insights not available to the average investor. More importantly their trades might be influenced by their personal circumstances which are not relevant to an individual investor's goals. @Tiger_SG @Tiger_comments

Policy makers and politicians trading should be framed in such a way that it shld be submitted in advanced by x-time frame, before it is allowed. This clears or minimises abuse of information. Then again with a Headso muddled, it's a cowboy country really. So it helps to track and mimick their patterns. Even the classic movie Sabrina and it's subsequent remake says so too.

scary and sad. Stock market for the rich and powerful with confidential information.

1. Pelosi’s recent trade is to maintain a long position in big tech $Alphabet(GOOGL)$ 2. The key takeaway for retail investors is to stay invested in large tech $Microsoft(MSFT)$ 3. Retail investors should follow the index $SPDR S&P 500 ETF Trust(SPY)$ instead of other traders 4. $UnitedHealth(UNH)$ has a highly uncertain business model at this time and is not investible

They are still human & might be following their own trade plans like rebalancing their portfolio, hence I won't follow them, regardless if they are congressmen or gurus [Chuckle]..I follow the charts 📈🚀 📉 😜 @JC888 @Barcode @Shyon @Aqa @koolgal @Shernice軒嬣 2000 @Aqa @DiAngel

$UnitedHealth(UNH)$  wait a while, let the price stabilise, then can add some. I'm sure most of the bad news have been priced in. In the next 3 years, data from Tiger brokers show EPS is increasing. That's a good sign.  If you want some defensive stocks, can buy some.

Much to learn on strategy used but  retail traders have no deep pockets   and too risky to "follow after" congressional trades.

risk management. don't follow blindly

$UnitedHealth(UNH)$   this huge slide seems like a closing of the chapter, nearly reflecting the rally in 2025, on August 15. If normal sentiments ruled, I would have little faith in UNH really succeeding in their announced plans going forward. However in this situation, it would likely be worth looking at whether the ownership has any ties to the us president, which can give it a second wind. If so, suddenly an announcement could come that certain regulations would be put on hold and a rally would occur. Healthcare in the usa is bizarre to say the least, so I doubt insurers will be out of business. Maybe everyone will scale back on their expectations and the market will reprice itself and this will be the new norm.