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Health Line
17-07-2025
- Health
- Health Line
5 Health Benefits of Volunteering
Volunteering can feel good on the inside, help lower your risk of heart disease, and improve your quality of life, among other health benefits. How you decide to contribute to your community is up to you — many options are available. If you regularly volunteer, you probably know that giving back to your community can make you feel good and give you a sense of purpose or greater meaning. But volunteering can also do much more for you, including positively affecting your health — there's even research that supports this. Health and wellness touch everyone's lives differently. The views and opinions expressed are those of the speakers and do not necessarily reflect the views or positions of Healthline Media. All quotes are strictly informational and should not be considered medical advice. May prolong your life This finding comes from a 2020 study of 12,998 adults over age 50. Specifically, participants who volunteered for 4 years and at least 100 hours per year had an associated reduced risk of early death compared to those who volunteered for 0 hours. Depending on what you do to volunteer, it can help keep you active and social and your brain sharp, which may improve your overall health and prolong your life. May lower your risk of heart disease According to data from 2004 to 2014 published in a 2018 study, volunteering and performing more informal acts of kindness may help reduce the risk of heart disease in all people. These findings were compared to those who didn't volunteer or help people in their community in other ways. This goes to show that you don't have to engage in organized volunteering — a simple and frequent random act of kindness can also go a long way. May improve your brain performance A 2-year 2021 study assessed the brain performance of older adults with no signs of cognitive decline. The older adults were enrolled in a volunteering program at elementary schools designed to increase their physical, cognitive, and social engagement. Researchers found that adults in the program demonstrated statistically significant improved executive function compared to those in a low-activity control group. May improve your quality of life Volunteering may be one way to enhance the quality of life for people in middle age and older adulthood. A 2018 research review of eight older studies on adults over the age of 50 years found that all studies reported positive quality of life outcomes for participants measured by increases in: life satisfaction self-esteem social support slowed functional decline A 2021 research review found that volunteering roles that specifically gave participants a functional role, such as a mentor, may help improve well-being and quality of life in adults over 80. These findings may help public health experts work toward a solution for social isolation and finding purpose as people get older. May reduce your levels of physical pain A study published in 2023 used survey data of 48,000 people collected yearly from 2011 to 2020 to assess the effect of volunteering and donating on pain levels. Researchers found that those who volunteered or donated reported lower levels of physical pain over the course of the study. This may be because volunteering can help keep you active and steadier on your feet, especially as you get older. The study, however, did not find that volunteering for more hours was associated with lower pain levels. How to start volunteering If you already regularly volunteer, go you! If not, here are some recommendations on where to get started: You can also get involved by contacting local: hospitals or nursing homes food banks churches libraries animal shelters schools Remember that donating can count, too! You can donate blood to a blood drive, hair to organizations that make wigs for people undergoing chemotherapy, and clothing to thrift stores. Consider asking a friend or loved one if you're still looking for ideas. If they're located in the same community as you, they may be able to help connect you with a local organization. Try aligning volunteer opportunities with your skills Do you have a background in teaching, or have you been told that you're good at explaining things? If so, you might be a good fit for educational volunteer roles. If you like animals, consider starting with your local animal shelter. If you enjoy working with children, try reaching out to schools in the area. If you surround yourself with books, you might feel at home in a library. The point is: You don't have to start from scratch. Lots of volunteer organizations and roles can align with the skills you already have (or want to learn!). How the Healthline team volunteers 'Fostering animals! Taking in kittens and dogs and giving them a safe space, love, and security until they find their forever homes has been one of the best things our family does together. It's not always easy, and there have been many tears along the way, but the idea that we can play a small role in changing lives (both animal and human) for the better is both gratifying and exciting.' — Sara McTigue, senior editor 'I've done a lot of different volunteer work over the years, and it always fills my cup. Whether it's preparing meals and wrapping gifts at my local community center or signing up to clean up a park nearby, it feels good to contribute to something. I can't change the world, but I can take part in small acts of service to uplift or improve my neighborhood.' — Samantha Costa, editor 'I started walking dogs at my local shelter, and it's been such a rewarding and low-lift way to give back and help animals in need. The dogs are so happy to get out of their kennels and have some human interaction, so it's impossible not to feel joyful being around them. The volunteer program at the shelter is important for helping the dogs get adopted, and I love being able to contribute to that effort.' — Ginger Wojcik, newsletter editor 'My way of volunteering is more so donating — but it still counts! Every few years, I grow my hair out and cut off at least 8 inches to send to a charity like Locks of Love that makes wigs for those who have lost their hair due to cancer treatment. I get a lot of compliments on my hair, so I figure, why not share it! It makes me feel good knowing that even something like hair can be repurposed.' — Sarah Matysiak, editor 'I volunteer as a Court Appointed Special Advocate (CASA) for foster youth … until their case closes (can be anywhere from a few months to years). Being a consistent adult in a youth's life and helping to advocate for their best interests has been a really rewarding experience. 'I've also volunteered with my dog as a therapy dog team through a local shelter for the past couple of years … We would visit a local hospital, senior communities, and a college campus, and it always lifted my spirits. Spending time with my pup is one of my favorite activities, and it was rewarding to bring a smile to people's faces on a rough day.' — Chelsea Logan, managing editor
Business Wire
17-07-2025
- Business
- Business Wire
Elevance Health Reports Second Quarter 2025 Results
INDIANAPOLIS--(BUSINESS WIRE)--Elevance Health, Inc. (NYSE: ELV) reported second quarter 2025 results. "In the second quarter, Elevance Health made meaningful progress in delivering an experience that is simple and personal to those we serve, while advancing our efforts to enhance efficiency across the healthcare system. We are updating our outlook to reflect elevated medical cost trends in ACA and slower rate alignment in Medicaid. While the external environment continues to evolve, we are focused on the areas within our control - managing healthcare costs, deploying targeted investments in advanced technology and value-based care delivery, and reinforcing the operational foundation that supports long-term value creation. With the embedded earnings power of our diversified Health Benefits and Carelon businesses, we remain confident in achieving at least 12% average annual growth in adjusted diluted EPS over time." Gail K. Boudreaux President and Chief Executive Officer Given the ongoing and industry-wide impact of elevated cost trends in ACA and Medicaid, Elevance Health now expects 2025 GAAP net income per diluted share to be approximately $24.10 and adjusted net income per diluted share to be approximately $30.00. Elevance Health Consolidated Enterprise Highlights (Unaudited) (In billions) Three Months Ended June 30, 2025 June 30, 2024 Operating Revenue 1 $49.4 $43.2 Operating Gain 1,2 $2.4 $2.8 Adjusted Operating Gain 1,3 $2.5 $2.9 Operating Margin 1 4.9 % 6.4 % Adjusted Operating Margin 1,3 5.0 % 6.7 % Expand 1. See 'Basis of Presentation.' 2. Operating Gain for the three months ended June 30, 2025, and June 30, 2024, include items that are excluded from adjusted shareholders' net income. See "GAAP Reconciliation." 3. Adjusted Operating Gain for the three months ended June 30, 2025, and June 30, 2024, exclude items that are excluded from adjusted shareholders' net income. See "GAAP Reconciliation." Expand Operating revenue was $49.4 billion in the second quarter of 2025, an increase of $6.2 billion, or 14 percent compared to the prior year quarter. This was driven by higher premium yields in our Health Benefits segment, recently closed acquisitions, and growth in our Medicare Advantage membership, partially offset by membership attrition in our Medicaid business. The benefit expense ratio was 88.9 percent, an increase of 260 basis points year over year, reflecting higher medical cost trend primarily in our Medicaid business and ACA health plans. Days in Claims Payable stood at 43.9 days as of June 30, 2025, when adjusted for our acquisition of CareBridge. This represents a decrease of 0.1 days sequentially on a comparable basis. The operating expense ratio was 10.1 percent, an improvement of 160 basis points. The adjusted operating expense ratio was 10.0 percent, an improvement of 140 basis points, primarily driven by expense leverage associated with growth in operating revenue and ongoing expense discipline as we prioritize investments to support our long-term strategy. Cash Flow & Balance Sheet Operating cash flow was $3.1 billion year-to-date, or 0.8 times GAAP net income, an increase of $0.6 billion year over year. As of June 30, 2025, cash and investments at the parent company totaled approximately $2.2 billion. During the second quarter of 2025, the Company repurchased 0.9 million shares of its common stock for $379 million, at a weighted average price of $410.05, and paid a quarterly dividend of $1.71 per share, representing a distribution of cash totaling $385 million. As of June 30, 2025, the Company had approximately $8.0 billion of Board approved share repurchase authorization remaining. Health Benefits is comprised of Individual, Employer Group risk-based, Employer Group fee-based, BlueCard ®, Medicare, Medicaid, and Federal Employee Program businesses. 1. See 'Basis of Presentation.' 2. Operating Gain for the three months ended June 30, 2024, includes items that are excluded from adjusted shareholders' net income. See "GAAP Reconciliation." 3. Adjusted Operating Gain for the three months ended June 30, 2024, excludes $15 million of 2024 business dispositions and related items adjusted out of adjusted shareholders' net income for the Health Benefits segment. Expand Health Benefits segment operating revenue was $41.6 billion in the second quarter of 2025, an increase of $4.4 billion, or 12 percent compared to the prior year quarter, driven primarily by higher premium yields, recently closed acquisitions, and growth in our Medicare Advantage membership, partially offset by lower Medicaid membership. Operating gain totaled $1.6 billion, impacted principally by higher medical cost trend in our Medicaid business and ACA health plans. Medical membership totaled approximately 45.6 million as of June 30, 2025, a decline of 212 thousand from the first quarter of 2025, driven by lower Medicaid membership and attrition resulting from lower effectuation rates in our Individual ACA business. Carelon is comprised of CarelonRx and Carelon Services. 1. See 'Basis of Presentation.' 2. Operating Revenue for the three months ended June 30, 2024, includes $0.2 billion of revenue related to 2024 business dispositions and related items that have been excluded from adjusted operating gain. 3. Operating Gain for the three months ended June 30, 2024, includes items that are excluded from adjusted shareholders' net income. See "GAAP Reconciliation." 4. Adjusted Operating Gain for the three months ended June 30, 2024, excludes $44 million of 2024 business dispositions and related items adjusted out of adjusted shareholders' net income for the Carelon segment. Expand Operating revenue for Carelon was $18.1 billion in the second quarter of 2025, an increase of $4.8 billion, or 36 percent compared to the prior year quarter. This was driven by recent acquisitions in home health and pharmacy services, growth in CarelonRx product revenue, and the scaling of innovative risk-based capabilities in Carelon Services. Operating gain for Carelon totaled $0.9 billion, an increase of $0.2 billion, or 33 percent, primarily driven by improved Carelon Health performance and higher CarelonRx product revenue. Quarterly Dividend On July 16, 2025, the Audit Committee of the Company's Board of Directors declared a third quarter 2025 dividend to shareholders of $1.71 per share. The third quarter dividend is payable on September 25, 2025, to shareholders of record at the close of business on September 10, 2025. About Elevance Health Elevance Health is a lifetime, trusted health partner whose purpose is to improve the health of humanity. The company supports consumers, families, and communities across the entire healthcare journey – connecting them to the care, support, and resources they need to lead better lives. Elevance Health's companies serve over 109 million consumers through a diverse portfolio of industry-leading medical, pharmacy, behavioral, clinical, home health, and complex care solutions. For more information, please visit or follow us @ElevanceHealth on X and Elevance Health on LinkedIn. Conference Call and Webcast Management will host a conference call and webcast today at 8:30 a.m. Eastern Daylight Time ('EDT') to discuss the company's second quarter results and outlook. The conference call should be accessed at least 15 minutes prior to the start of the call with the following numbers: The access code for today's conference call is 3972058. There is no access code for the replay. The replay will be available from 11:30 a.m. EDT today, until the end of the day on August 15, 2025. The call will also be available through a live webcast at under the 'Investors' link. A webcast replay will be available following the call. Basis of Presentation Operating revenue and operating gain/loss are the key measures used by management to evaluate performance in each of its reporting segments, allocate resources, set incentive compensation targets and to forecast future operating performance. Operating gain/loss is calculated as total operating revenue less benefit expense, cost of products sold and operating expense. It does not include net investment income, net gains/losses on financial instruments, interest expense, amortization of other intangible assets, gains/losses on extinguishment of debt or income taxes, as these items are managed in a corporate shared service environment and are not the responsibility of operating segment management. Refer the GAAP reconciliation tables. Operating margin is defined as operating gain divided by operating revenue. Elevance Health Earnings Release Financial Schedules and Supplementary Information Quarter & Year-to-Date Ended June 30, 2025 Membership and Other Metrics Quarterly & Year-to-Date Consolidated Statements of Income Condensed Consolidated Balance Sheet Condensed Consolidated Statement of Cash Flows Supplemental Financial Information - Reportable Segments Supplemental Financial Information - Reconciliation of Medical Claims Payable Elevance Health Consolidated Statements of Income (Unaudited) (In millions, except per share data) Three Months Ended June 30 Six Months Ended June 30 2025 2024 Change 2025 2024 Change Revenues Premiums $ 41,271 $ 35,416 16.5 % $ 82,158 $ 71,112 15.5 % Product revenue 6,042 5,530 9.3 % 11,851 10,029 18.2 % Service fees 2,108 2,277 (7.4 )% 4,177 4,355 (4.1 )% Total operating revenue 49,421 43,223 14.3 % 98,186 85,496 14.8 % Net investment income 486 508 (4.3 )% 1,076 973 10.6 % Net losses on financial instruments (131 ) (85 ) NM (595 ) (246 ) NM Gain on sale of business — 240 NM — 240 NM Total revenues 49,776 43,886 13.4 % 98,667 86,463 14.1 % Expenses Benefit expense 36,706 30,572 20.1 % 72,018 61,118 17.8 % Cost of products sold 5,293 4,820 9.8 % 10,276 8,645 18.9 % Operating expense 4,997 5,066 (1.4 )% 10,297 9,952 3.5 % Interest expense 341 280 21.8 % 685 545 25.7 % Amortization of other intangible assets 147 162 (9.3 )% 302 278 8.6 % Total expenses 47,484 40,900 16.1 % 93,578 80,538 16.2 % Income before income tax expense 2,292 2,986 (23.2 )% 5,089 5,925 (14.1 )% Income tax expense 548 685 (20.0 )% 1,161 1,375 (15.6 )% Net income 1,744 2,301 (24.2 )% 3,928 4,550 (13.7 )% Net income attributable to noncontrolling interests (1 ) (1 ) NM (2 ) (4 ) NM Shareholders' net income $ 1,743 $ 2,300 (24.2 )% $ 3,926 $ 4,546 (13.6 )% Shareholders' earnings per diluted share $ 7.72 $ 9.85 (21.6 )% $ 17.33 $ 19.44 (10.9 )% Diluted shares 225.8 233.4 (3.3 )% 226.5 233.8 (3.1 )% Benefit expense as a percentage of premiums 88.9 % 86.3 % 260 bp 87.7 % 85.9 % 180 bp Operating expense as a percentage of total operating revenue 10.1 % 11.7 % (160) bp 10.5 % 11.6 % (110) bp Income before income tax expense as a percentage of total revenue 4.6 % 6.8 % (220) bp 5.2 % 6.9 % (170) bp Expand "NM" = calculation not meaningful Expand Elevance Health Condensed Consolidated Balance Sheet (In millions) June 30, 2025 December 31, 2024 Assets (Unaudited) Current assets: Cash and cash equivalents $8,560 $8,288 Fixed maturity and equity securities 26,232 26,393 Premium and other receivables 23,125 19,071 Other current assets 5,407 4,700 Assets held for sale — 490 Total current assets 63,324 58,942 Long-term investments 11,553 10,784 Property and equipment, net 4,641 4,652 Goodwill and other intangible assets 39,858 40,371 Other noncurrent assets 2,562 2,140 Total assets $121,938 $116,889 Liabilities and equity Liabilities Current liabilities: Medical claims payable $17,155 $15,746 Short-term borrowings 360 365 Current portion of long-term debt 1,648 1,649 Other current liabilities 24,671 22,668 Liabilities held for sale — 153 Total current liabilities 43,834 40,581 Long-term debt, less current portion 28,178 29,218 Other noncurrent liabilities 6,075 5,664 Total liabilities 78,087 75,463 Total shareholders' equity 43,722 41,315 Noncontrolling interests 129 111 Total equity 43,851 41,426 Total liabilities and equity $121,938 $116,889 Expand Elevance Health Condensed Consolidated Statement of Cash Flows (Unaudited) (In millions) Six Months Ended June 30 2025 2024 Operating activities Net income $3,928 $4,550 Depreciation and amortization 753 666 Share-based compensation 162 154 Changes in operating assets and liabilities (2,003) (2,943) Other non-cash items 231 (2) Net cash provided by operating activities 3,071 2,425 Investing activities Proceeds from (purchases of) investments, net of sales and maturities 329 (1,415) Purchases of subsidiaries, net of cash acquired/sold 54 (725) Purchases of property and equipment (463) (602) Other, net (504) (386) Net cash used in investing activities (584) (3,128) Financing activities Net change in short-term and long-term borrowings (1,255) 2,580 Repurchase and retirement of common stock (1,258) (1,029) Cash dividends (771) (757) Other, net 1,067 (94) Net cash (used in) provided by financing activities (2,217) 700 Effect of foreign exchange rates on cash and cash equivalents 2 (5) Change in cash and cash equivalents 272 (8) Cash and cash equivalents at beginning of period 8,288 6,526 Cash and equivalents included in assets held for sale at end of period — (21) Cash and cash equivalents at end of period $8,560 $6,497 Expand REPORTABLE SEGMENTS Elevance Health has four reportable segments: Health Benefits (comprised of Individual, Employer Group risk-based, Employer Group fee-based, BlueCard ®, Medicare, Medicaid, and Federal Employee Program businesses); CarelonRx; Carelon Services; and Corporate & Other (comprised of businesses that do not individually meet the quantitative thresholds for an operating division as well as corporate expenses not allocated to our other reportable segments). 1. See 'Basis of Presentation.' 2. Operating Gain for the three and six months ended June 30, 2024, included $59 and $119 million, respectively, of 2024 business dispositions and related items; including $44 and $88 million, respectively, for the Carelon Services segment; and $15 and $31 million, respectively, for the Health Benefits segment. Operating Gain for the three and six months ended June 30, 2024, included $64 and $116 million, respectively, of transaction and integration related costs, $9 and $11 million, respectively, of litigation and settlement expenses, and $4 and $0 million, respectively, of business optimization charges, all of which reside in the Corporate & Other reportable segment. 3. Operating Gain for the three and six months ended June 30, 2025, included $53 and $133 million, respectively, of transaction and integration related costs and $10 and $15 million, respectively, of litigation and settlement expenses, which reside in the Corporate & Other reportable segment. 4. Operating Gain for the three and six months ended June 30, 2025, and June 30, 2024, included items excluded from adjusted shareholders' net income. See "GAAP Reconciliation." 5. "NM" = calculation not meaningful. Expand Elevance Health Reconciliation of Medical Claims Payable Six Months Ended June 30 Years Ended December 31 2025 2024 2024 2023 2022 (In millions) (Unaudited) (Unaudited) Gross medical claims payable, beginning of period $ 15,580 $ 15,865 $ 15,865 $ 15,348 $ 13,282 Ceded medical claims payable, beginning of period (13 ) (7 ) (7 ) (6 ) (21 ) Net medical claims payable, beginning of period 15,567 15,858 15,858 15,342 13,261 Business combinations and purchase adjustments 182 — 143 — 133 Net incurred medical claims: Current year 71,090 60,551 125,370 121,798 113,414 Prior years redundancies 1 (1,065 ) (1,473 ) (1,731 ) (1,571 ) (869 ) Total net incurred medical claims 70,025 59,078 123,639 120,227 112,545 Net payments attributable to: Current year medical claims 57,117 48,297 110,930 107,146 98,997 Prior years medical claims 11,802 11,584 13,143 12,565 11,600 Total net payments 68,919 59,881 124,073 119,711 110,597 Net medical claims payable, end of period 16,855 15,055 15,567 15,858 15,342 Ceded medical claims payable, end of period 16 12 13 7 6 Gross medical claims payable, end of period 2 $ 16,871 $ 15,067 $ 15,580 $ 15,865 $ 15,348 Current year medical claims paid as a percentage of current year net incurred medical claims 80.3 % 79.8 % 88.5 % 88.0 % 87.3 % Prior year redundancies in the current year as a percentage of prior year net medical claims payable less prior year redundancies in the current year 7.3 % 10.2 % 12.3 % 11.4 % 7.0 % Prior year redundancies in the current year as a percentage of prior year net incurred medical claims 0.9 % 1.3 % 1.4 % 1.4 % 0.9 % Expand 1. Negative amounts reported for net incurred medical claims related to prior years result from claims being settled for amounts less than originally estimated. 2. Excludes insurance lines other than short duration. Expand Elevance Health GAAP Reconciliation (Unaudited) This document references non-GAAP measures, including 'Adjusted Shareholders' Net Income,' 'Adjusted Shareholders' Net Income Per Share,' 'Adjusted EPS,' 'Adjusted Operating Gain,' 'Adjusted Operating Expense' and 'Adjusted Operating Expense Ratio,' which are non-GAAP measures. These non-GAAP measures are intended to aid investors when comparing Elevance Health's financial results among periods and are not intended to be alternatives to any measure calculated in accordance with GAAP. Reconciliations of these non-GAAP measures to the most directly comparable measures calculated in accordance with GAAP are available below. In addition to these non-GAAP measures, references are made to the measures 'Operating Revenue' and 'Operating Gain/Loss,' 'Operating Margin' and 'Adjusted EPS'. Operating revenue and operating gain/loss are the key measures used by management to evaluate performance in each of its reportable segments, allocate resources, set incentive compensation targets and to forecast future operating performance. Operating gain/loss is calculated as total operating revenue less benefit expense, cost of products sold and operating expense. It does not include net investment income, net gains/losses on financial instruments, interest expense, amortization of other intangible assets and gains/losses on extinguishment of debt or income taxes, as these items are managed in a corporate shared service environment and are not the responsibility of operating segment management. Each of these measures is provided to further aid investors in understanding and analyzing Elevance Health's operating and financial results. A reconciliation of Operating Revenue to Total Revenue is set forth in the Consolidated Statements of Income herein. A reconciliation of the non-GAAP measures to the most directly comparable measures calculated in accordance with GAAP, together with a reconciliation of reportable segments operating gain to income before income tax expense, is provided below. Prior amounts may be grouped differently to conform to the current presentation. Net adjustment items per share may not sum due to rounding. A reconciliation of Operating Revenue to Total Revenue is set forth in the Consolidated Statements of Income herein. 1. Adjustment item resides in the Corporate & Other reportable segment. 2. Adjustment item resides in the Health Benefits and Carelon Services reportable segments. Expand Elevance Health GAAP Reconciliation (Unaudited) 1. Adjustment item resides in the Corporate & Other reportable segment. 2. Adjustment item resides in the Health Benefits and Carelon Services reportable segments. 3. Adjustment item represents the midpoint of a projected range and serves as the estimated full year adjustment amount. Expand Forward-Looking Statements This document contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements reflect our views about future events and financial performance and are generally not historical facts. Words such as 'expect,' 'feel,' 'believe,' 'will,' 'may,' 'should,' 'anticipate,' 'intend,' 'estimate,' 'project,' 'forecast,' 'plan' and similar expressions are intended to identify forward-looking statements. These statements include, but are not limited to: financial projections and estimates and their underlying assumptions; statements regarding plans, objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks and uncertainties, many of which are difficult to predict and generally beyond our control, that could cause actual results to differ materially from those expressed in, or implied or projected by, the forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements that speak only as of the date hereof. You are also urged to carefully review and consider the various risks and other disclosures discussed in our reports filed with the U.S. Securities and Exchange Commission from time to time, which attempt to advise interested parties of the factors that affect our business. Except to the extent required by law, we do not update or revise any forward-looking statements to reflect events or circumstances occurring after the date hereof. These risks and uncertainties include, but are not limited to: trends in healthcare costs and utilization rates; reduced enrollment; our ability to secure and implement sufficient premium rates; the impact of large scale medical emergencies, such as public health epidemics and pandemics, and other catastrophes; the impact of new or changes in existing federal, state and international laws or regulations, including laws and regulations impacting healthcare, insurance, pharmacy services and other diversified products and services, or their enforcement or application; the impact of cyber-attacks or other privacy or data security incidents or our failure to comply with any privacy, data or security laws or regulations, including any investigations, claims or litigation related thereto; failure to effectively maintain and modernize our information systems, or failure of our information systems or technology, including artificial intelligence, to operate as intended; failure to effectively maintain the availability and integrity of our data; changes in economic and market conditions, as well as regulations that may negatively affect our liquidity and investment portfolios; competitive pressures and our ability to adapt to changes in the industry and develop and implement strategic growth opportunities; risks and uncertainties regarding Medicare and Medicaid programs, including those related to non-compliance with the complex regulations imposed thereon; our ability to maintain and achieve improvement in Centers for Medicare and Medicaid Services Star Ratings and other quality scores and funding risks with respect to revenue received from participation therein; a negative change in our healthcare product mix; costs and other liabilities associated with litigation, government investigations, audits or reviews; our ability to contract with providers on cost-effective and competitive terms; risks associated with providing healthcare, pharmacy and other diversified products and services, including medical malpractice or professional liability claims and non-compliance by any party with the pharmacy services agreement between us and CaremarkPCS Health, L.L.C.; the effects of any negative publicity related to the health benefits industry in general or us in particular; risks associated with mergers, acquisitions, joint ventures and strategic alliances; possible impairment of the value of our intangible assets if future results do not adequately support goodwill and other intangible assets; possible restrictions in the payment of dividends from our subsidiaries and increases in required minimum levels of capital; our ability to repurchase shares of our common stock and pay dividends on our common stock due to the adequacy of our cash flow and earnings and other considerations; the potential negative effect from our substantial amount of outstanding indebtedness and the risk that increased interest rates or market volatility could impact our access to or further increase the cost of financing; a downgrade in our financial strength ratings; events that may negatively affect our licenses with the Blue Cross and Blue Shield Association; intense competition to attract and retain employees; risks associated with our international operations; and various laws and provisions in our governing documents that may prevent or discourage takeovers and business combinations.
Yahoo
10-07-2025
- Business
- Yahoo
Bernstein Maintains a Buy on Elevance Health (ELV), Sets a $585 PT
Elevance Health, Inc. (NYSE:ELV) is one of the 13 Cheap Healthcare Stocks with Huge Upside Potential. On June 19, Bernstein analyst Lance Wilkes maintained a Buy rating on Elevance Health, Inc. (NYSE:ELV) with a price target of $585.00. The company reported a 15.4% increase in operating revenue for fiscal Q1 2025 compared to the same period last year, reaching $48.8 billion. Adjusted operating gain for the quarter reached $3.3 billion, up 4.1% from Q1 2024. A medical professional working at a computer, utilizing the company's digital solutions to improve care quality for consumers. Elevance Health, Inc. (NYSE:ELV) reaffirmed its fiscal year 2025 adjusted diluted EPS range, expecting it to be between $34.15 and $34.85. It also returned $1.3 billion of capital to shareholders in the quarter. Elevance Health, Inc. (NYSE:ELV) offers telehealth services to its customers, reporting in 2024 that the company conducted more than 800,000 virtual visits in 2023. This health company operates through the following segments: Health Benefits, CarelonRx, Carelon Services, and Corporate and Other. The Health Benefits segment offers a range of health plans and services, while the CarelonRx segment manages pharmacy services. The Carelon Services segment offers various healthcare-related services by integrating behavioral, physical, pharmacy, and social services. While we acknowledge the potential of ELV as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock. READ NEXT: 30 Stocks That Should Double in 3 Years and 11 Hidden AI Stocks to Buy Right Now. Disclosure: None. This article is originally published at Insider Monkey. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Associated Press
01-07-2025
- Health
- Associated Press
HealthBenefits.co.in Launches Global Wellness Platform with Smart Health Tracking Tools
empowers everyday users with free tracking tools, health calculators, and beginner-friendly wellness content. 'Quote: We created to turn complex wellness info into easy, actionable tools for everyday people.'— Madhusmita Sahu, Founder of HealthBenefits NEW YORK, NY, UNITED STATES, July 1, 2025 / / -- Health -conscious Americans and global users now have a smarter way to manage their wellness. a digital health platform, has officially launched to provide free health tracking tools and expert wellness content — all in one easy-to-use website. From BMI and calorie calculators to wellness blogs on nutrition, mental health, and immunity, the platform helps users take actionable steps toward a healthier lifestyle — without the need to download an app or pay for premium services. 'We created to make health support more accessible,' said the site's founder. 'Wellness isn't just for experts — it's for everyone. Our tools and articles help users make smarter choices, every day.' Originally launched in October 2023, the site is now expanding its reach to a global audience — including the United States, where interest in holistic wellness, stress management, and digital health tracking continues to grow. 🔍 Key Features for U.S. Users: Free Tools: Track BMI, calories, hydration, and more Science-Backed Wellness Content: Easy-to-read tips on fitness, nutrition, sleep, and immunity No Signup Required: Start using instantly — no login or downloads needed Optimized for Mobile: Works seamlessly on phones and tablets Weekly Updates: Fresh content added regularly Whether you're a college student looking to stay healthy, a busy parent trying to manage stress, or just someone who wants to track personal progress — offers tools designed to support everyday wellness. 📢 About is a global health and wellness website founded in India. It offers free, user-friendly digital tools and expert content to help users track health data, build better habits, and stay informed. With a growing international audience, the platform is committed to making health guidance simple and accessible for all. 🔗 Website: 🌐 📞 Media Contact: Email: [email protected] Location: New Delhi, India Madhusmita Sahu HealthBenefits email us here Visit us on social media: Instagram X Legal Disclaimer: EIN Presswire provides this news content 'as is' without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the author above.
Globe and Mail
03-06-2025
- Business
- Globe and Mail
WTW appoints Eric McMurray chairman of Health, Wealth & Career and Anne Pullum as global Health & Benefits business leader
NEW YORK, June 03, 2025 (GLOBE NEWSWIRE) -- Towers Watson, a WTW business, (NASDAQ:WTW), today announced the appointment of Eric McMurray as Chairman, Health, Wealth & Career (HWC). In this role, McMurray will support M&A readiness, strategy execution, client growth and senior leadership development. The role will be effective July 1 as McMurray completes his current role as global head of Health & Benefits. Anne Pullum has been appointed to succeed McMurray as the global leader of the Health & Benefits business. She will also continue her role as co-head of Corporate Development and, as such, serve on WTW's executive leadership team. Previously, Pullum was the head of Corporate Risk & Broking for Europe and head of strategy for WTW. 'Eric's thoughtful and strategic leadership transformed our substantial H&B business into an even stronger one over the past few years,' said Julie Gebauer, President of Health, Wealth & Career. 'I'm pleased we will have Eric's energy focused on HWC's next phase.' 'With Anne we have an experienced leader who understands both the consulting and broking sides of our Health & Benefits business. She is ready to build on the successes so we can bring vital healthcare coverage and benefits – and breakthroughs that matter – to even more people.' About WTW At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help organizations sharpen their strategy, enhance organizational resilience, motivate their workforce and maximize performance. Working shoulder to shoulder with our clients, we uncover opportunities for sustainable success—and provide perspective that moves you. Media contacts
