Healthcare
UNH
UnitedHealth Group Inc.
Conservative income from UnitedHealth (UNH) with covered calls and cash secured puts. Largest health insurer with Optum growth.
Monthly Premium1.0-1.8%
Annualized Return12-22%
Stock Price$520-580
IV RankLow-Moderate (25-40)
Options LiquidityGood
Dividend Yield1.4%
Why UNH for Covered Calls & Cash Secured Puts?
UNH is the largest health insurer with diversified Optum services. Defensive healthcare exposure with consistent earnings growth.
Example Covered Call Trade
UNHCovered Call
Strike Price$580 (5% OTM)
Expiration30 days
Premium$8.00 per share
Return If Flat1.5% ($800)
Return If Called6.1% ($3,350) + dividend
Keep Probability73% keep shares
Recommended Strategy for UNH
Conservative calls 4-6% OTM. UNH is best for large accounts wanting defensive healthcare income.
Risks to Consider
- Healthcare reform risk
- Expensive to own (~$55K for 100)
- Regulatory scrutiny
- Medical cost inflation
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