Derek Quick

While I wait for Uranium to do its thing $META has caught my attention. 2015 valuation today although they are still bringing in $100 billion more dollars a year vs 2015. lowest price to discounted cash of the future ;)Long shares & Long Call Options. #uranium #stock #stockmarket

$UNH UnitedHealth Group just quietly dropped another major catalyst that the market is not pricing in yet. “Avery,” a generative AI companion now rolling out across millions of members, with plans to scale to 20M users this year. MCR% is really going to drop a lot and this years MA% with coding upwards of 7% will make earnings beat every quarter. -Avery will reduce administrative friction across claims, scheduling, benefits navigation -90% of interactions don’t require a human advocate boosting savings -Guides patients to lower-cost, in-network care which will improve MCR % over time - It enhances member experience leading to retention & pricing power - Feeds off billions of data points never used before compounding AI advantage. Healthcare was always the major sector that will increase margins the most as AI is introduced and is exactly the type of internal efficiency & cost control lever that drives margin expansion in healthcare. You will start to see it on next months earnings, you were warned ;)

$UNH As people get older an Aging increases utilization, but also increases risk scores and reimbursement • Medicare Advantage pays more as members get sicker, strong coding tailwind • Best-in-class coding drives higher revenue per member so even if 2027 is 0.09% its closer to 2.5% • Optum controls where and how care is delivered, lowering real costs • AI like Avery reduces admin costs, waste, and unnecessary utilization • Ozempic and GLP-1s are a short-term cost, long-term claims reducer soon as medicare and medicaid both start including them • Lower prescription costs from best price and nation-level negotiations improve margins • Medicaid and MA pressure is cyclical, pricing resets each year and could be far more than projected and we will see soon in a vote • Scale and data advantages compound over time especially with a company bringing in as much as UNH, 1% MCR drop can be billions in free cash flow added.

@derekquick1 Do you have any thoughts on how they can overcome higher utilization by aging policyholders?

$UNH UnitedHealth Group is on sale. Added more options at last year’s lows. Multiple catalysts ahead,Massive MA % earnings upside, Higher 2027 % vote for MA with coding tailwinds,buybacks,fraud reduction,AI,easing MCR%,Buffett adding? Either way Free cash flow over everything.

@DarvasBoxed I bought at the $230 lows and been buying recently in the 260s again ;)

@derekquick1 I found you only recently. Is now a good entry point or are you waiting for a pullback?

@Micro2Macr0 @NickGibbsIAG @technoking_420 @X @elonmusk @nikitabier Right, if a verified account reports another for impersonation we should not have to provide an ID each time, they should automatically ban that account.

@NickGibbsIAG @technoking_420 @X @elonmusk @nikitabier I used to report every impersonator But the process of doing that actually got worse I shouldn't have to verify my 3D image every fucking time I'm trying to get rid of some scammer in my chat.

I have reported an account that continues to impersonate me to @X 6 times in the last 24 hours. They keep spawning with a new @ user name but use the same X handle. After all this I get the following responce from X. We need to do better @elonmusk @nikitabier

@duedillengence Not locked as if they can't sell or buy but locked as 83% of the entire float is accounted for...including derivitives. For a company $unh size and float its nice ;)

@derekquick1 Shares are absolutely not locked up when owned by institutions!

$UNH UnitedHealth Group is at 2020 prices management says buybacks are attractive $12B authorized = 5% of the company, currently 83% locked by institutions. If smart money buys more 90% of the 904M shares will be locked up, this is how float gets squeezed before a rerate.

@Thamm718 Tempting.

@derekquick1 What’s that option chain look like

@ahrolf12 Pent up 2020 demand all came at once the last year. It will change.

@derekquick1 Earnings are also at the 2020 level, while revenue has nearly doubled.

@L3marlol @RetiredLifeNC Bags ? I bought heavy in the $230s kid lol.

@RetiredLifeNC @derekquick1 I can’t even imagine how much bags you’re holding.😭

$UNH I have been wanting the $260s potentially $250s again to load up a bunch of shares so blame me lol.

@Vulkyrie9 I sold it in the 90s after management sandbagged too long and didn't want to give a good outlook. Bought it in the 50s....

@derekquick1 @TheLongInvest What happend to paypal

Buffett watching the war escalate this weekend with a $350 Bill war chest

@LewisMorganUK Ready for the world launch brother!

The next £1BN brand build is underway... Staytuned.

@elonmusk @KatieMiller Bullish for SMRs and nuclear energy.

@KatieMiller Yes

The case for data centers in space:

@elonmusk @BrianRoemmele Nuclear power SMRS are key, surprised you have not bought some of the SMR tech yet Elon. They are meltdown proof and can be used on the Moon or Mars... Uranium is key.

@BrianRoemmele The AI race will come down to scaling power and chip output

Millions of AI4 chips building a massive AI super computer network! Your car ain’t just a self driving robot, it is a node in an AI planetary super computer. No other company but Tesla can salvage this stranded compute (and power). One reason they win the AI race.

@TheLongInvest Going max leverage with leaps on this bet.

Christianity is gonna make a comeback Bullish Jesus

$UNH UnitedHealth Group should be $500+, Recent UNH Barclays Healthcare Conf Mar 10, 2026 key points • 2026 outlook • Guidance >8.5% growth reaffirmed • First 2 months tracking to plan • Management says guidance set conservatively • Medicare Advantage • 2025 cost trend 7–7.5% • 2026 assumption 10% • Drivers: • physician fee schedule / hospital rates • uncertainty buffer tariffs etc... • Utilization assumed flat • CMS risk model (2027) • UNH objecting to model recalibration • Concern: skin substitutes overweighted, chronic conditions underweighted • UNH submitted comment letter • Preferred outcomes: delay, phase-in, or recalibrate model • Medicaid • Margin expected down 100–170bps • States lag cost trends • Expected 6–7% rate increases around July • Cost pressure: behavioral health, specialty pharmacy, home care • ACA exchanges • Membership expected down ~500k • ~half decline by end Q1 • Remainder through normal attrition • Optum Health • Q4 miss $600M • 70% one-time items • 30% investments (value-based care, infrastructure) • Loss contract reserve • $620M reserve on external contracts • Either reprice or exit • Expected earnings tailwind in 2027 • Optum Health margins • Current margin 1.5% • Target 6–8% long term • Mature cohorts already at target • 30% geographies already profitable • High margin businesses: • ambulatory surgery (20%) • home health / hospice double digit • AI strategy • $1B cost savings expected 2026 • $1.5B AI investment • Automation potential 70–90% processes • Examples • 3M calls handled in one day • 18 sec avg answer • >90% resolution • Savings expected to expand 2027–2028 • Optum Insight • Businesses- payer tech, provider RCM, analytics, claims settlement • AI products: Crimson AI, Optum Real • Optum Rx / PBM reform • Already compliant with reforms • 100% rebate pass-through implemented • Management says business continues winning contracts • Capital allocation • $18B+ free cash flow expected 2026 • Priorities: • dividend growth • debt reduction 40% debt/capital • buybacks • selective M&A • Management said buybacks attractive at current valuation ;) • Shareholder summary • 2026 framed as transition year • 2027–2028 expected margin expansion from: • AI efficiency • Optum recovery • contract repricing • buybacks coming likely.