<p>似乎除了人工智能（AI）之外的每個行業都處於低迷狀態。即使健康保險股票在 2025 年也經歷了該行業歷史上最瘋狂的一年之一。為什麼？因為來自多個來源的醫療成本意外上升，壓縮了保險的盈利能力。</p>
<p>這導致了 健康保險股票 的整體價值下降。大型醫療服務提供商 <strong>聯合健康集團</strong>（UNH +3.10%）從高點下跌了 53.6%，而技術驅動的 <strong>Oscar Health</strong>（OSCR 2.23%）則下跌超過 60%。這為投資者提供了一個買入機會，預計 2026 年利潤將反彈。</p>
<p>以下是為什麼這兩隻股票是你在二月份可以用 1000 美元購買的最佳股票的原因。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84NTYxMTEvaGVhbHRoY2FyZS5qcGcmdz0zODQw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84NTYxMTEvaGVhbHRoY2FyZS5qcGcmdz0zODQw"/></p>
<p>圖片來源：Getty Images。</p>
<h2>一家潛在的健康保險顛覆者</h2>
<p>Oscar Health 在健康保險市場中是一股顛覆性力量。該公司成立的目的是為了讓個人投保者更容易獲得健康保險，專注於《平價醫療法案》（ACA）市場。憑藉更好的技術、合理的價格和更滿意的客户，Oscar Health 能夠在個人健康保險市場中搶佔市場份額。</p>
<p>展開</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vYXJ0L2NvbXBhbnlsb2dvcy9tYXJrL09TQ1IucG5nJnc9MTI4?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="Oscar Health 股票報價" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vYXJ0L2NvbXBhbnlsb2dvcy9tYXJrL09TQ1IucG5nJnc9MTI4"/></p>
<h2>NYSE: OSCR</h2>
<p>Oscar Health</p>
<p>今日變動</p>
<p>(-2.23%) $-0.30</p>
<p>當前價格</p>
<p>$13.40</p>
<h3>關鍵數據點</h3>
<p>市值</p>
<p>$36 億</p>
<p>日內區間</p>
<p>$13.36 - $13.97</p>
<p>52 周區間</p>
<p>$11.20 - $23.80</p>
<p>成交量</p>
<p>249K</p>
<p>平均成交量</p>
<p>1000 萬</p>
<p>截至今年二月，Oscar Health 擁有 340 萬保險成員。相比之下，2020 年底僅有 40 萬。那麼，為什麼股票會下跌呢？因為人們對 ACA 市場中低收入投保者補貼到期的擔憂。這些補貼在 2025 年底到期，目前尚不清楚這將對 Oscar 的付費客户產生多大影響，隨着 2026 年的推進。同時，該公司的醫療成本在 2025 年顯著高於預期（行業普遍如此），導致其開始虧損。</p>
<p>這是一種雙重打擊，導致 Oscar 的股價暴跌。儘管如此，2026 年似乎將是該業務復甦的一年。由於價格上漲和更好的客户留存率，Oscar Health 預計 2026 年的收入將從 2025 年的 117 億美元增長至高達 190 億美元，運營收益範圍為 2.5 億至 4.5 億美元。對於市值僅為 36 億美元且有着強勁增長曆史的股票來説，今天的股價看起來非常划算。</p>
<h2>一家準備反彈的傳統保險公司</h2>
<p>2025 年，聯合健康集團面臨許多不利因素，包括上述兩個也拖累公司盈利的因素。除此之外，該公司還經歷了一次網絡安全事件、對醫療保險患者誇大健康索賠的指控，甚至還有反壟斷訴訟。</p>
<p>展開</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vYXJ0L2NvbXBhbnlsb2dvcy9tYXJrL1VOSC5wbmcmdz0xMjg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="聯合健康集團股票報價" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vYXJ0L2NvbXBhbnlsb2dvcy9tYXJrL1VOSC5wbmcmdz0xMjg"/></p>
<h2>NYSE: UNH</h2>
<p>聯合健康集團</p>
<p>今日變動</p>
<p>(3.10%) $8.82</p>
<p>當前價格</p>
<p>$293.19</p>
<h3>關鍵數據點</h3>
<p>市值</p>
<p>$2660 億</p>
<p>日內區間</p>
<p>$284.51 - $293.46</p>
<p>52 周區間</p>
<p>$234.60 - $606.36</p>
<p>成交量</p>
<p>1000 萬</p>
<p>平均成交量</p>
<p>880 萬</p>
<p>股息收益率</p>
<p>2.98%</p>
<p>健康保險並不是最受歡迎的行業，但它對私人醫療市場的運作是必要的。在 2026 年，隨着客户保費的重新定價，聯合健康預計將產生 4390 億美元的收入和 240 億美元的 運營收益。</p>
<p>今天，該股票的市值為 2600 億美元，或僅略高於這些運營收入假設的 10 倍。隨着醫療成本的上升和美國人口的老齡化，即使是像聯合健康這樣的傳統保險公司在未來十年也可能繼續穩步增長。今天以 10 倍收益購買該股票，幾年後將顯得非常划算。</p>

聯合健康

UNHG

美國醫療保健供應商 ETF - iShares

OSCR

OSCG

醫療業 ETF - SPDR

標普全球醫療股指數 ETF - iShares

OSCX

標普醫療保健服務 ETF - SPDR

醫療業 ETF - Vanguard

<p>在二月份，投資者在健康保險股票中看到了機會，特別是 Oscar Health 和聯合健康集團。儘管 Oscar Health 的股價下跌了 60%，但預計到 2026 年將反彈，收入預計將從 117 億美元增長到 190 億美元。聯合健康集團面臨包括網絡安全事件在內的挑戰，預計 2026 年的收入將達到 4390 億美元。這兩隻股票被視為潛在的買入機會，Oscar 的市值為 36 億美元，而聯合健康的市值為 2600 億美元，為未來增長提供了有吸引力的估值</p>

<p>It seems as though every industry outside of artificial intelligence (AI) is in the dumps. Even health insurance stocks had one of the wildest years in the sector's history in 2025. Why? Because of an unforeseen rise in healthcare costs from multiple sources, which crushed insurance profitability.</p>
<div class="lb-trans"><p>似乎除了人工智能（AI）之外的每個行業都處於低迷狀態。即使健康保險股票在 2025 年也經歷了該行業歷史上最瘋狂的一年之一。為什麼？因為來自多個來源的醫療成本意外上升，壓縮了保險的盈利能力。</p>
</div><p>This has led to declining values across the board for health insurance stocks. Giant healthcare provider <strong>UnitedHealth Group</strong>( UNH +3.10%) is down 53.6% from its highs, while technology-forward <strong>Oscar Health</strong>( OSCR 2.23%) is down over 60%. This is presenting investors with a buying opportunity, with profits set to rebound in 2026.</p>
<div class="lb-trans"><p>這導致了 健康保險股票 的整體價值下降。大型醫療服務提供商 <strong>聯合健康集團</strong>（UNH +3.10%）從高點下跌了 53.6%，而技術驅動的 <strong>Oscar Health</strong>（OSCR 2.23%）則下跌超過 60%。這為投資者提供了一個買入機會，預計 2026 年利潤將反彈。</p>
</div><p>Here's why these are two of the best stocks you can buy with $1,000 in February.</p>
<div class="lb-trans"><p>以下是為什麼這兩隻股票是你在二月份可以用 1000 美元購買的最佳股票的原因。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84NTYxMTEvaGVhbHRoY2FyZS5qcGcmdz0zODQw" alt="A healthcare worker putting an arm on the shoulder of a patient, and smiling. " original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F856111%2Fhealthcare.jpg&amp;w=3840&amp;op=resize"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>圖片來源：Getty Images。</p>
</div><h2>A would-be health insurance disruptor</h2>
<div class="lb-trans"><h2>一家潛在的健康保險顛覆者</h2>
</div><p>Oscar Health is a disruptive force in the health insurance market. The company was formed to make health insurance easier for individual payors, focused on the Affordable Care Act (ACA) marketplace. With better technology, reasonable prices, and happier customers, Oscar Health has been able to steal market share in the individual health insurance market.</p>
<div class="lb-trans"><p>Oscar Health 在健康保險市場中是一股顛覆性力量。該公司成立的目的是為了讓個人投保者更容易獲得健康保險，專注於《平價醫療法案》（ACA）市場。憑藉更好的技術、合理的價格和更滿意的客户，Oscar Health 能夠在個人健康保險市場中搶佔市場份額。</p>
</div><p>Expand</p>
<div class="lb-trans"><p>展開</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vYXJ0L2NvbXBhbnlsb2dvcy9tYXJrL09TQ1IucG5nJnc9MTI4" alt="Oscar Health Stock Quote" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Fart%2Fcompanylogos%2Fmark%2FOSCR.png&amp;w=128&amp;op=resize"/></p>
<h2>NYSE: OSCR</h2>
<div class="lb-trans"><h2>NYSE: OSCR</h2>
</div><p>Oscar Health</p>
<div class="lb-trans"><p>Oscar Health</p>
</div><p>Today's Change</p>
<div class="lb-trans"><p>今日變動</p>
</div><p>(-2.23%) $-0.30</p>
<div class="lb-trans"><p>(-2.23%) $-0.30</p>
</div><p>Current Price</p>
<div class="lb-trans"><p>當前價格</p>
</div><p>$13.40</p>
<div class="lb-trans"><p>$13.40</p>
</div><h3>Key Data Points</h3>
<div class="lb-trans"><h3>關鍵數據點</h3>
</div><p>Market Cap</p>
<div class="lb-trans"><p>市值</p>
</div><p>$3.6B</p>
<div class="lb-trans"><p>$36 億</p>
</div><p>Day's Range</p>
<div class="lb-trans"><p>日內區間</p>
</div><p>$13.36 - $13.97</p>
<div class="lb-trans"><p>$13.36 - $13.97</p>
</div><p>52wk Range</p>
<div class="lb-trans"><p>52 周區間</p>
</div><p>$11.20 - $23.80</p>
<div class="lb-trans"><p>$11.20 - $23.80</p>
</div><p>Volume</p>
<div class="lb-trans"><p>成交量</p>
</div><p>249K</p>
<div class="lb-trans"><p>249K</p>
</div><p>Avg Vol</p>
<div class="lb-trans"><p>平均成交量</p>
</div><p>10M</p>
<div class="lb-trans"><p>1000 萬</p>
</div><p>As of February of this year, Oscar Health boasts 3.4 million insurance members. That compares to just 400,000 at the end of 2020. So why is the stock down? Because of fears over expiring subsidies for lower-income payors in the ACA marketplace. These expired at the end of 2025, and it is unclear how much it will impact Oscar's paying customers as we move through 2026. At the same time, the company's healthcare costs rose significantly faster in 2025 than expected (as they did across the industry), leading it to start losing money.</p>
<div class="lb-trans"><p>截至今年二月，Oscar Health 擁有 340 萬保險成員。相比之下，2020 年底僅有 40 萬。那麼，為什麼股票會下跌呢？因為人們對 ACA 市場中低收入投保者補貼到期的擔憂。這些補貼在 2025 年底到期，目前尚不清楚這將對 Oscar 的付費客户產生多大影響，隨着 2026 年的推進。同時，該公司的醫療成本在 2025 年顯著高於預期（行業普遍如此），導致其開始虧損。</p>
</div><p>This is a double-whammy of headwinds that killed Oscar's share price. Despite this, it looks as if 2026 will be a year of recovery for the business. Due to price increases and better customer retention so far this year, Oscar Health is guiding revenue to grow from $11.7 billion in 2025 to as high as $19 billion in 2026, along with a range of $250 million to $450 million in operating earnings. For a stock with a market cap of just $3.6 billion and a strong history of growth, this looks like a steal at today's stock price.</p>
<div class="lb-trans"><p>這是一種雙重打擊，導致 Oscar 的股價暴跌。儘管如此，2026 年似乎將是該業務復甦的一年。由於價格上漲和更好的客户留存率，Oscar Health 預計 2026 年的收入將從 2025 年的 117 億美元增長至高達 190 億美元，運營收益範圍為 2.5 億至 4.5 億美元。對於市值僅為 36 億美元且有着強勁增長曆史的股票來説，今天的股價看起來非常划算。</p>
</div><h2>A legacy insurer set for a rebound</h2>
<div class="lb-trans"><h2>一家準備反彈的傳統保險公司</h2>
</div><p>Many developments have been headwinds for UnitedHealth Group in 2025, including the two mentioned above that are also dragging down the company's earnings. On top of these, the company had a cybersecurity incident, allegations of exaggerated health claims for Medicare patients, and even an antitrust lawsuit.</p>
<div class="lb-trans"><p>2025 年，聯合健康集團面臨許多不利因素，包括上述兩個也拖累公司盈利的因素。除此之外，該公司還經歷了一次網絡安全事件、對醫療保險患者誇大健康索賠的指控，甚至還有反壟斷訴訟。</p>
</div><p>Expand</p>
<div class="lb-trans"><p>展開</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vYXJ0L2NvbXBhbnlsb2dvcy9tYXJrL1VOSC5wbmcmdz0xMjg" alt="UnitedHealth Group Stock Quote" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Fart%2Fcompanylogos%2Fmark%2FUNH.png&amp;w=128&amp;op=resize"/></p>
<h2>NYSE: UNH</h2>
<div class="lb-trans"><h2>NYSE: UNH</h2>
</div><p>UnitedHealth Group</p>
<div class="lb-trans"><p>聯合健康集團</p>
</div><p>Today's Change</p>
<div class="lb-trans"><p>今日變動</p>
</div><p>(3.10%) $8.82</p>
<div class="lb-trans"><p>(3.10%) $8.82</p>
</div><p>Current Price</p>
<div class="lb-trans"><p>當前價格</p>
</div><p>$293.19</p>
<div class="lb-trans"><p>$293.19</p>
</div><h3>Key Data Points</h3>
<div class="lb-trans"><h3>關鍵數據點</h3>
</div><p>Market Cap</p>
<div class="lb-trans"><p>市值</p>
</div><p>$266B</p>
<div class="lb-trans"><p>$2660 億</p>
</div><p>Day's Range</p>
<div class="lb-trans"><p>日內區間</p>
</div><p>$284.51 - $293.46</p>
<div class="lb-trans"><p>$284.51 - $293.46</p>
</div><p>52wk Range</p>
<div class="lb-trans"><p>52 周區間</p>
</div><p>$234.60 - $606.36</p>
<div class="lb-trans"><p>$234.60 - $606.36</p>
</div><p>Volume</p>
<div class="lb-trans"><p>成交量</p>
</div><p>10M</p>
<div class="lb-trans"><p>1000 萬</p>
</div><p>Avg Vol</p>
<div class="lb-trans"><p>平均成交量</p>
</div><p>8.8M</p>
<div class="lb-trans"><p>880 萬</p>
</div><p>Dividend Yield</p>
<div class="lb-trans"><p>股息收益率</p>
</div><p>2.98%</p>
<div class="lb-trans"><p>2.98%</p>
</div><p>Health insurance is not the most beloved industry, but it is necessary for the private healthcare market to operate. In 2026, with rate repricings for customer premiums, UnitedHealth is expecting to generate $439 billion in revenue and $24 billion in operating earnings.</p>
<div class="lb-trans"><p>健康保險並不是最受歡迎的行業，但它對私人醫療市場的運作是必要的。在 2026 年，隨着客户保費的重新定價，聯合健康預計將產生 4390 億美元的收入和 240 億美元的 運營收益。</p>
</div><p>Today, the stock trades at a market cap of $260 billion, or barely over 10x these operating income assumptions. With rising healthcare inflation and an aging population in the United States, even a legacy insurer like UnitedHealth could continue to grow steadily over the next decade. Paying just 10x earnings for the stock today will look like a steal a few years from now.</p>
<div class="lb-trans"><p>今天，該股票的市值為 2600 億美元，或僅略高於這些運營收入假設的 10 倍。隨着醫療成本的上升和美國人口的老齡化，即使是像聯合健康這樣的傳統保險公司在未來十年也可能繼續穩步增長。今天以 10 倍收益購買該股票，幾年後將顯得非常划算。</p>
</div>

The Best Stocks to Invest $1,000 in This February

Motley Fool

Leverage Shares 2X Long UNH Daily ETF

Oscar Health

Leverage Shares 2X Long OSCR Daily ETF

Defiance Daily Target 2x Long OSCR ETF

今年二月值得投資 1000 美元的最佳股票