[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Say No To Trading [@SayNoToTrading](/creator/twitter/SayNoToTrading) on x 6313 followers Created: 2025-07-18 22:23:36 UTC Unlike life insurance, where you have to accurately predict when and how a XX y/o will die, health insurance is short-tail. When $UNH, $ELV, $CI, $CNC, and $MOH price coverage too low, they're not screwed for decades. As is the case with life insurance and product liability (think PFAS and asbestos claims). The Big Beautiful Bill was far worse than feared for Medicaid and ACA subsidies, which is a rare outcome. As such, we shareholders are suffering. Many of the health insurers are trading at 25+ year lows per multiple valuation metrics. But this is not $MMM dealing with PFAS liabilities 30-50 years into the future. Nope. Health insurers only have to endure pain for as little as XX months, before they jack up rates to make up for any underpricing. ...and jacking up is exactly what they will be doing. As discussed in WSJ this morning, many insurers are pursuing as much as 20%+ hikes. Generous increases will get approved by state regulators, because the math checks out. They are entitled to maintain their margins. Similar to what we all experienced with auto and homeowners insurance coming out of Covid, we will have no choice but to pay them if we want coverage. Do you remember what happened to the share prices of P&C insurers during the years post-Covid?  XXXXXX engagements  **Related Topics** [cnc](/topic/cnc) [aca](/topic/aca) [$moh](/topic/$moh) [life insurance](/topic/life-insurance) [insurance](/topic/insurance) [$unh](/topic/$unh) [stocks healthcare](/topic/stocks-healthcare) [$elv](/topic/$elv) [Post Link](https://x.com/SayNoToTrading/status/1946335071939756108)
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Say No To Trading @SayNoToTrading on x 6313 followers
Created: 2025-07-18 22:23:36 UTC
Unlike life insurance, where you have to accurately predict when and how a XX y/o will die, health insurance is short-tail.
When $UNH, $ELV, $CI, $CNC, and $MOH price coverage too low, they're not screwed for decades. As is the case with life insurance and product liability (think PFAS and asbestos claims).
The Big Beautiful Bill was far worse than feared for Medicaid and ACA subsidies, which is a rare outcome. As such, we shareholders are suffering.
Many of the health insurers are trading at 25+ year lows per multiple valuation metrics.
But this is not $MMM dealing with PFAS liabilities 30-50 years into the future.
Nope.
Health insurers only have to endure pain for as little as XX months, before they jack up rates to make up for any underpricing.
...and jacking up is exactly what they will be doing.
As discussed in WSJ this morning, many insurers are pursuing as much as 20%+ hikes.
Generous increases will get approved by state regulators, because the math checks out. They are entitled to maintain their margins.
Similar to what we all experienced with auto and homeowners insurance coming out of Covid, we will have no choice but to pay them if we want coverage.
Do you remember what happened to the share prices of P&C insurers during the years post-Covid?
XXXXXX engagements
Related Topics cnc aca $moh life insurance insurance $unh stocks healthcare $elv