是给

来源: 于 2025-11-10 18:14:34 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

保险资本占队

 

 

 

Early Years (2014–2016): UNH pulled back

  • UNH entered ACA marketplaces but suffered heavy losses.

  • It exited most exchange markets by 2017.

  • Reason: too many high-risk enrollees → premiums couldn’t cover costs.

Today (2018–2025): UNH is back and profitable

  • UNH re-entered ACA markets gradually starting 2018.

  • Now participates in 30+ states with strong margins.

  • Why profitable now:

    • Larger risk pools

    • Stabilized pricing

    • Increased subsidies → healthier enrollment mix

    • Their Optum data services improve cost control

UNH is now one of the largest and fastest-growing ACA insurers.