保險資本占隊
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.
