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9月30日 - ** 券商杰富瑞(Jefferies)称,2025年医疗保险优势计划(Medicare Advantage)的招标数据显示,医疗保险公司联合健康(UnitedHealth) 计划削减这些计划的福利,这将改善其利润率。
** 称2025年的福利削减可能导致UNH明年的利润率趋于稳定甚至更高,因为加入其计划的人数增加了
** 医疗保险和医疗补助服务中心周五表示,预计 2024 年至 2025 年,医疗保险处方药计划和医疗保险优势计划的平均保费将略有下降。
** 杰富瑞公司称,福利减少主要是通过提高药物免赔额实现的
** 补充说,同行CVS 、Humana 和Centene 的出价也显得保守,这意味着它们的出价较低,但Elevance 的出价 "不那么保守"。
** 至少有两位华尔街分析师表示,医疗保险公司依靠削减福利来提高利润率
** 保险公司一直在努力应对高昂的医疗成本和政府为管理医疗保健而支付的低于预期的 (link),这损害了它们的利润率
** 截至目前,ELV 上升 ~9.5%,UNH 上升 11%,CNC 下降 ~2%,CVS 下降 ~20%,HUM 下降 ~29
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