Quality Investor
1.5K posts
Quality Investor
@TheQualityInv
Sharing thoughts & research • Not Financial Advice
参加日 Mayıs 2023
421 フォロー中212 フォロワー
Quality Investor がリツイート
$OSCR
TRUMP ON A HEALTHCARE BILL
Give the people CHOICE! The Great Healthcare plan, which includes HSA-style accounts to pay for health insurance, and CSR’s would greatly benefit Oscar! Let’s get the talks up and running again!!!
HSA-style accounts would allow individuals to have the benefits of enhanced subsidized, but with more choice on how the money is spent! Similar to ICHRA.
CSR’s would prevent “silver loading”, which severely drives up the cost of silver plans, sometimes even more than gold plans!!! This would instantly (for next OEP) drive down costs significantly, which will greatly benefit Oscar! Because this CSR money would be paid directly to insurers again.
To my understanding, this would prevent non-subsidized individuals from choosing between bronze and gold, due to silver loading… since silver is a lower AV plan to gold, this could improve the economics for unsubsidized individuals, less medical claims paid, by being able to offer a cheaper plan to gold.
Commentary Donald J. Trump Posts From Truth Social@TrumpDailyPosts
Donald J. Trump Truth Social Post 09:41 AM EST 03.29.26 The Unaffordable Care Act, sometimes referred to as ObamaCare, must be replaced by payments being made directly to THE PEOPLE, so that they can buy their own Healthcare, rather than to bloated and uncaring Insurance Companies. ObamaCare is not and, never has been, sustainable!
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Former Palantir employee on the company’s unique culture. $PLTR #OMR #Helsing
youtu.be/Zer_Oa6raXo?si… via @YouTube
YouTube
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FIRST X PAYOUT WINNER!!!!
@QBagholder I thought you had it haha
Drum roll 🥁…..
@frombroke2bull won!!! I’ll send you a dm for Venmo/paypal/cashapp!
Invest with AC@investingwithac
FIRST PAYOUT GIVEAWAY. As promised I am giving this away to you all… (hopefully an $OSCR folk 😊) As long as you are following me and comment on this post, I will throw it in a random account picker and enter all the names :) Not much, but as promised ;) (Also I have no clue how this was calculated, and how I got a payout sub $30 with the minimum, but here we are!)
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@2dollarmixedbag @grok Always good to question your investments critically instead of just running blindly in one direction. That's why I'm really curious to hear more opinions on this. Thanks for sharing yours!
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@QBagholder @grok Interesting cool to see a slightly bearish outlook. Ill still see future earnings will make my mind up. The issue i face is its severely discounted already so granted next year might face head wins but we can chop sideways from here if the hit the targets for 26
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$OSCR is getting punished by the market right now, even with its strong 2026 guidance.
In my view, the real concern is how a recession would hit their ICHRA growth story hard.
• Normally recessions actually stabilize or even boost the ACA market: Job losses mean tons of people lose employer-sponsored coverage and flood into ACA Marketplaces or Medicaid. More enrollment = more premium revenue (as long as the risk pool doesn’t completely collapse).
• Subsidies scale automatically with falling incomes → insureds pay less out-of-pocket, but insurers still collect the full premiums. The government picks up the tab.
• Risk Adjustment smooths things out – carriers with sicker members get paid by those with healthier ones.
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But here’s the downside: adverse selection kicks in. Younger, healthier folks lose jobs first and often drop coverage or switch to cheaper options, while sicker members stay. The pool gets more expensive. Plus higher utilization from delayed care + recession stress.
For Oscar specifically, this is tricky. Their big ICHRA vision (employer-funded individual plans) would start in a terrible environment – companies cut budgets fast in a downturn. And Oscar tends to attract younger/healthier members, so they end up writing big checks into the Risk Adjustment program to subsidize carriers with older/sicker pools.
That’s why the market might be pricing in more risk than the headline guidance suggests.
Recession = ACA tailwind in theory… but ICHRA headwind in practice.
What do you think – overblown or fair concern? $OSCR
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Quality Investor がリツイート
FIRST PAYOUT GIVEAWAY.
As promised I am giving this away to you all… (hopefully an $OSCR folk 😊)
As long as you are following me and comment on this post, I will throw it in a random account picker and enter all the names :)
Not much, but as promised ;)
(Also I have no clue how this was calculated, and how I got a payout sub $30 with the minimum, but here we are!)
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Market’s still sleeping on $OSCR but that 2026 guidance is the only confirmation I need.
Being a Quality Bagholder is just about having more patience than the next guy. Conviction pays. 📈
GIF
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Quality Investor がリツイート
Trump and Republicans knew what would happen if they let health care premiums skyrocket: Americans wouldn’t be able to afford it and families would lose their insurance. Now it’s happening, and they still have no solution. We must keep fighting to bring down the cost of health care.
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@degeninvestor7 @damendrizzi 0,00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
My strongest convictions in the market right now are:
$OSCR
$HIMS
$SOFI
$DUOL
$ZETA
$BTC
$ETH
Their momentary undervaluation is just an opportunity.
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@BrettWeave81840 @michaeljburry Yo, is someone having a little $MOH psychosis over there? 👀
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@InvestInBags @michaeljburry I'd say you're perfectly positioned to be a bagholder
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I bet @michaeljburry 's portfolio will soon look like 50% $MOH and 50% $OSCR.
Who wants to bet against me? 😂
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