#insurance

https://www.beckershospitalreview.com/legal/judge-orders-unitedhealth-to-hand-over-broad-discovery-in-ai-coverage-denial-case/

Hello, I am just trying to plan for post-JE when it happens. I have a special needs, 12-year-old boy. My wife is working near min wage, has health insurance, but not great, and they don't have family plans. If I have to get health insurance for my son and myself, what are my options in CT? Since I may not have income, do I qualify for any rebates for premiums from AccessHealthCT? Is the marketplace the only option until I get a job? I read here that Cobra is expensive, not sure if it will be more expensive than the marketplace. Does anyone have any experience getting health insurance post-JE? Thanks for any inputs

Planning for exit: bonus secured. I have been secretly building business on side that has me financially where I want it to be. Now the planning which items should I take care of or be sure I take advantage of before I leave. Insurance wise I will take care of any benefits since I will be getting my own insurance such as annuals , dental work( not much) using my rewards I think I have some gift cards I can cash with points, wrap up any Ed Assist dues for the certification I am getting , help a friend here add to the list

My union president said a strike is the only thing to prevent major concessions being demanded in beargaing by the company. Be ready to accept 1.5 and if lucky some 2’s and crazy insurance increases like we have never seen.

In the process of relocating to Houston. Looking for a house. Learning that property taxes & insurance are insane in Houston. Seeing >$16k property taxes and >$6k insurance, not including flood insurance. Auto insurance is higher too. Is this normal?

So much money is thrown away in property taxes & insurances here. It seems ridiculous.

My last day of non-working notice period is on Friday..I resigned and am going elsewhere and my notice period was converted to non-working notice with pay and benefits intact through this Friday. There is a 5 day gap with when I start with the new company and will be on their insurance from Day 1. Will Citi's insurance coverage expire at midnight on Friday or does it carry forward till the end of the month?

TIA

And to all those looking to get out of here - keep at it. Applying and activating network. It might take a while (took me nearly a year) but keep up the spirit, don't feel dejected if rejected even after multiple interview rounds..dust yourself and pick up again. The market is tough with layoff's. Keep the faith

Today is the last day to submit insurance verification and they tell me they’re doing a system update. Even WF vendors can’t get it together

State Farm will be reducing auto policies and sending insureds to Haggerty Insurance to write autos. Premiums will double and all claims will be handled by Hagerty while SF gets kickbacks from Hagerty. All of this while reducing personnel in claims. IMO another bizarre form of RICO. They really don't want to be #1 anymore.

I was part of the RIF in January. Trying to get some state insurance and they are requiring me to send a form to be filled out by HR. Does anyone know of an email or contact for Optum? Thanks.

Auto DE positions will be eliminated by Q4.

Terminated, not displacement., Is the insurance immediately ended?

Blue Cross Blue Shield of North Dakota and Cambia Health Solutions will affiliate. North Dakota regulators approved the strategic affiliation. The affiliation takes effect February 1. Dan Conrad becomes Cambia's chief administrative officer, and Lacey Bergh is the new BCBSND market president. Policyholders will keep their current health care coverage and BCBSND insurance cards. BCBSND will also retain its local plan name and board of directors. Cambia will manage and operate the North Dakota company's policy, claims, and IT functions.

https://www.inforum.com/news/fargo/strategic-affiliation-between-nd-blues-and-oregon-health-insurer-receives-go-ahead

Progressive recently released its Dec 2025 earnings and they continue to put the smackdown on SF!

Progressive gained est. 352,000 autos in December, SF lost 15,000 vehicles in December

Progressive grew by an estimated 5,447,000 vehicles in 2025, SF grew only an estimated 536k last year

The health insurance business is a mess, and no health-insurance company is a bigger mess than UnitedHealth Group
UNH

• 1.61%
  . But with its shares down 17% this week, much of that mess may now be reflected in the stock price.

The bad news started on Monday, when the Centers for Medicare and Medicaid Services, or CMS, proposed that the net price increase for Medical Advantage insurance premiums should be 0.09% in 2027, well below the 5% many had expected. That would be a big hit to future.
This is what peoples health has been reduced to. A bunch of Wall Street brokers who circle in anticipation of how much money they can extract from federal and state programs, unsuspecting employers etc.

The GOP is targeting health insurance companies this year, and it will impact this company. The days of free money and corruption are over.

Did anyone else get Cobra Insurance Letters from Nike today in the mail? I have 4 co-workers who got one today with nothing in the office being mentioned.

California SB 729 fertility coverage requirements starting in 2026?

Anyone else having issues as well?

How much is underwriting loss last year ? Is it more than a billion dollar ?

Probably not the right forum but…. I got laid off a while back and kept retiree health coverage and life insurance. About to be 65 and move to Medicare, thank God. I’m keeping life insurance however as the cost is pretty good right now. It will cover reduction in my pension if I die and at a minimum will give my surviving kids a bit of a boost. In future though will the premiums increase to an unreasonable amount. I can currently afford the premiums without blinking but am concerned about future increases. I know I can figure it out in years to come but does anyone have a heads up as to what future increases might be based on experience or other knowledge (not heresay). Just a small component of my future planning. Thanks for feedback.

Trump announced today a plan to reduce healthcare costs (great!). He seemed to take aim at taking money out of the hands of insurance companies. Do you think this will mean more layoff at UHG/Optum?

The U.S. feels like it’s entering the late stage of capitalism.

The cost of living—housing, healthcare, and insurance—has gone through the roof. The government takes50% of your income before you even see your paycheck.

Wages can’t keep up with inflation, which has been over 5% for years. People are getting poorer even while working full-time.

The job market is broken. Entry-level jobs are being outsourced to India, while workers over 50 face constant age discrimination.

The corporate ladder is basically dead.

Corporate culture- What is that? Everyone is toxic af

What’s the point of all this? We are fu---d

MST home dispatch tech use and abuse company assets. They drive 100K-200K bucket trucks to their home and back to their home garage everyday. Big V8 6.3 L engines use a lot of gas and insurance on top. Also, with MST high pay and only have .5 job per tech a day per tech how is that saving company money and liability.
There are rules to follow when joining home dispatch program. Following the rules helps save gas and time and wear and tear on a vehicle used to drive to work and to home. But MSTs abuse this program from driving to the garage every day and dispatching at the garage. Making a stop at the grocery store to grocery shop in the company vehicle before driving home. Not closing your last job at the job site and instead, drive home and being still dispatched on your work ticket and then closing the job when you arrive home. I follow the rules, and I do not want the home dispatch program to go away because of MSTs taking advantage of the abuse. Also, MST managers are favoring many MSTs and letting the home dispatch MSTs do what ever they want. STOP ABUSING THE HOME DISPATCH PROGRAM YOU MSTs. You know who you are...

Thoughts on the new CEO? I’m happy to hear he has extensive insurance experience. Wonder if he has any thoughts on work from home.

From 1.5 million to 1.3 million. Not terrible, until you read further that 2/3 of that 1.3 million were automatically enrolled from 2025. Which means they likely haven’t paid the premium yet. Thus, that 1.3 number is expected to drop once the bill comes due and is significantly higher than 2025. Waiting to see what the numbers in Florida look like.

This is yet another scary action against longtime customers.

https://cloudinfra.blog/broadcom-vs-allstate-how-vmware-customers-became-legal-targets-and-why-delaying-an-exit-is-risky/

Share price went up 30% without real news.
This may indicate that the spin off scenario for the insurance sector might materialise.

All the others - good luck and good night

More than 1,100 workers in Illinois are set to be affected by layoffs and furloughs announced by seven companies in November. The biggest cut comes from insurance marketplace GoHealth, which is eliminating nearly 500 jobs in Chicago. Other companies reporting sizable reductions include CVS Health, ca--abis firm PharmaCann, and packaging company Printpack. The layoffs span multiple industries, including healthcare, insurance, manufacturing, and wholesale.

https://www.pjstar.com/story/news/state/2025/12/17/2026-will-bring-layoffs-for-over-1100-illinois-employees/87732570007/

Boca retiree here. Finally some good news from the Great State of Florida.

Weiss Ratings, LLC out of plush & ritzy Palm Beach Gardens Florida has released its ratings of Mutual of America.

B Rating

https://weissratings.com/en/insurer/l88668

It rates 654 Life & Annuity Companies with 8 receiving an A Rating and 119 receiving a B rating so mutual is in the top third.

They are saying the following:

B     Good. This insurance company offers good financial security and has the resources to deal with a variety of adverse economic conditions. It comfortably exceeds the minimum levels for all of our rating criteria, and is likely to remain healthy for the near future. However, in the event of a severe recession or major financial crisis, we feel that this assessment should be reviewed to make sure that the firm is still maintaining adequate financial strength.

Major Rating Factors: Good quality investment portfolio (5.8 on a scale of 0 to 10) despite mixed results such as: no exposure to mortgages and large holdings of BBB rated bonds but small junk bond holdings. Fair overall results on stability tests (4.6) including excessive premium growth, weak results on operational trends, negative cash flow from operations for 2024 and fair risk adjusted capital in prior years. Weak profitability (1.7).
Other Rating Factors: Strong capitalization (7.1) based on excellent risk adjusted capital (severe loss scenario). Excellent Liquidity (7.0).

Safety Rating
Our financial strength ratings are based on a complex analysis of hundreds of factors that are synthesized into a series of indexes: capitalization, investment safety (Life & Annuity and Health companies only), reserve adequacy (Property & Casualty companies only), profitability, liquidity, and stability. These indexes are then used to arrive at a letter grade rating measured on a scale from A to F. A good rating requires consistency across all indexes. A weak score on any one index can result in a low rating, as insolvency can be caused by any one of a number of factors, such as inadequate capital, unpredictable claims experience, poor liquidity, speculative investments, inadequate reserving, or consistent operating losses.
The ratings are derived, from annual and quarterly financial data provided by SNL Financial LC, the National Association of Insurance Commissioners and State Insurance Regulators. This data may be supplemented by information that we request from the insurance companies themselves. Although we seek to maintain an open line of communication with the companies being rated, we do not grant them the right to influence the ratings or stop their publication. (See Rating Definitions)

F-ck the Comdex ratings

Wells Fargo sure picked some doozy insurance companies. I’m paying for all my prescriptions and MetLife won’t pay out on critical illness insurance. Aetna never had any co-pays when I picked up my prescriptions. United healthcare won’t even cover Ozempic. I wonder how much kickback these companies are giving Wells Fargo leadership.

I have enough saved that I don’t have to go back to work. I can go on my wife’s medical since I’m not Medicaid eligible. At 65 can I and my wife still get supplemental insurance from Verizon at 65? I heard that I can, but if my wife leaves the company insurance now, she can’t come back. Anyone know if this is true?

You are running the easiest semi-legal racket in the world and your unchecked greed is going to bring the whole thing to the ground. Money just rolls in and you don't even have to produce anything tangible. You don't even have to guarantee healthcare for your Insurance premiums. A little advice from a street guy, when your getting away is as a shylark especially in a crony-capitalist fraud it is better to keep customers happy and maintain the illusion of legitimacy.

Hi all! How are you protecting yourself to get some money coming in case of job loss? Did you purchase any private job loss insurance? I am not sure how much government pays for claiming unemployment

They are trying to run off all tenured employees. Don't want people to stay. 70% of employees in most areas have been with SF 2 years or less, per plan. We are the Dollar General, Waffle House, $8 Wine Box, Carnival Cruise, Disney Movie Remake, Quiky Mart or excuse sir can you spare some change of the insurance industry. Bottom of the barrel! Look around, look at the people we hire, feels like you are standing in line down at the DMV ..... The people running this place are total trash, and I pray they will rot in #$%@ when they die! F-ck off SF!

Do you think the expanded subsidies will expire or will they extend them. I workin the individual business and am concerned that membership will be way down if these expire which means more of us will lose our jobs. Does anyone have any information on this?

Does anyone understand the weeks of medical benefit line? Does that mean we keep our insurance for that many weeks? Or is that strictly cobra coverage? They don’t explain anything.

Hi former non tech but tech adjacent Verizon employee here, left four years ago. Can anyone shed light on what roles were impacted? I'm with an insurance company now and we are looking for talent in dallas area.