How to figure out a key question this open-enrollment season: Are you overpaying for health insurance?
Published . Updated .
Market Call
Think this story will push the stock up or down over the next three trading days? Make a free call and see what other readers think. Points are play money with no cash value.
Get these market calls by email
The week's biggest market-moving stories, Congress trades and Trump posts, with the tickers they touch. Free, one email a week.
Free. We only use your email to send the digest, never sell or share it, and every email has a one-click unsubscribe link. See our privacy policy.
This back-of-the-napkin calculation can help you see if you’re buying too much coverage
Directly affected
- No company is named in this report.
Indirectly affected
- XLV Health Care Select Sector SPDR
Health Care Select Sector SPDR: it holds health insurers and care providers. Linked by “health insurance” (health insurers and care costs) in this story.
- IHF iShares U.S. Healthcare Providers ETF
iShares U.S. Healthcare Providers ETF: it holds health insurers and care providers. Linked by “health insurance” (health insurers and care costs) in this story.
- XLF Financial Select Sector SPDR
Financial Select Sector SPDR: it holds insurers. Linked by “insurance” (insurers) in this story.
- CB Chubb
Chubb (fire, marine and casualty insurance): insurers pay claims and price policies around events like this. Linked by “insurance” (insurers) in this story.
- UNH UnitedHealth Group
UnitedHealth Group (hospital and medical service plans): health insurers' costs move with medical prices and policy. Linked by “health insurance” (health insurers and care costs) in this story.
- TRV The Travelers Companies
The Travelers Companies (fire, marine and casualty insurance): insurers pay claims and price policies around events like this. Linked by “insurance” (insurers) in this story.
- ELV Elevance Health
Elevance Health (hospital and medical service plans): health insurers' costs move with medical prices and policy. Linked by “health insurance” (health insurers and care costs) in this story.
- AIG American International Group
American International Group (fire, marine and casualty insurance): insurers pay claims and price policies around events like this. Linked by “insurance” (insurers) in this story.
Price reaction, T-5 to T+3
| Ticker | T-5 | T-3 | T-1 | T0 | T+1 | T+2 | T+3 |
|---|---|---|---|---|---|---|---|
| XLV | -1.60% | +0.57% | base | +0.61% | after close | after close | after close |
| IHF | -2.03% | +0.15% | base | -0.16% | after close | after close | after close |
| XLF | -1.77% | +0.15% | base | +0.59% | after close | after close | after close |
| CB | -1.82% | -0.73% | base | +0.81% | after close | after close | after close |
| UNH | -2.69% | -0.02% | base | +0.48% | after close | after close | after close |
| TRV | -1.98% | -0.62% | base | -0.21% | after close | after close | after close |
| ELV | -1.03% | -0.10% | base | -0.41% | after close | after close | after close |
| AIG | -5.84% | -0.30% | base | +0.36% | after close | after close | after close |
Closing-price change versus T-1, the last close before the story. T0 to T+3 fill in after each market close. Prices: Alpaca IEX.
This back-of-the-napkin calculation can help you see if you’re buying too much coverage
Source: MarketWatch
This story
| Company | When | Move | Status |
|---|---|---|---|
| AIG | that day | +0.36% | still updating |
| AIG | three days earlier | -0.30% | final price |
| AIG | five days earlier | -5.84% | final price |
| CB | that day | +0.81% | still updating |
| CB | three days earlier | -0.73% | final price |
| CB | five days earlier | -1.82% | final price |
| ELV | that day | -0.41% | still updating |
| ELV | three days earlier | -0.10% | final price |
| ELV | five days earlier | -1.03% | final price |
| IHF | that day | -0.16% | still updating |
| IHF | three days earlier | +0.15% | final price |
| IHF | five days earlier | -2.03% | final price |
| TRV | that day | -0.21% | still updating |
| TRV | three days earlier | -0.62% | final price |
| TRV | five days earlier | -1.98% | final price |
| UNH | that day | +0.48% | still updating |
| UNH | three days earlier | -0.02% | final price |
| UNH | five days earlier | -2.69% | final price |
| XLF | that day | +0.59% | still updating |
| XLF | three days earlier | +0.15% | final price |
| XLF | five days earlier | -1.77% | final price |
| XLV | that day | +0.61% | still updating |
| XLV | three days earlier | +0.57% | final price |
| XLV | five days earlier | -1.60% | final price |
Trades by members of Congress and officials in the stocks in this story
- Rep. Maria Elvira Salazar sold Chubb (CB), worth $1,001 - $15,000 on 24 Sep 2026. That is 50 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Kevin Hern sold Chubb (CB) (jointly held), worth $1,001 - $15,000 on 23 Sep 2026. That is 51 days before publication. Filed 13 Oct 2026. View the filing.
- Rep. Rohit Khanna bought Chubb (CB) (held by a spouse), worth $1,001 - $15,000 on 4 Sep 2026. That is 70 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Maria Elvira Salazar sold Unitedhealth Group (UNH), worth $1,001 - $15,000 on 24 Sep 2026. That is 50 days before publication. Filed 7 Oct 2026. View the filing.
- Rep. Kevin Hern sold Unitedhealth Group (UNH) (jointly held), worth $15,001 - $50,000 on 23 Sep 2026. That is 51 days before publication. Filed 13 Oct 2026. View the filing.
- Rep. Kevin Hern sold Unitedhealth Group (UNH) (jointly held), worth $15,001 - $50,000 on 10 Sep 2026. That is 64 days before publication. Filed 25 Sep 2026. View the filing.
- Donald J Trump, an executive branch official, sold American International Group (AIG), worth $15,001 - $50,000 on 28 Aug 2026. That is 77 days before publication. Filed 8 Oct 2026. View the filing.
Public disclosure filings, not a recommendation. The filing link is the source document. News use of these reports still sits under 5 U.S.C. § 13107(c).
This story
12 out of 100Price not final
“How to figure out a key question this open-enrollment season: Are you overpaying for health insurance?” scores 12 out of 100. The score uses 1 sources. The price is not final yet.