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Jason Kasarlov

Vice President and Equity Research Analyst at Guggenheim

Jason Kasarlov is a Vice President and Equity Research Analyst at Guggenheim Securities, specializing in the coverage of the consumer and retail sector with a particular focus on companies such as The Home Depot, Lowe’s, and Tractor Supply. Kasarlov has distinguished himself with thorough sector analysis and timely calls, achieving a success rate of approximately 59% on stock recommendations and being recognized on platforms like TipRanks for his insightful research. Beginning his financial services career in equity analysis following several years in investment banking, he joined Guggenheim in 2019 after holding analyst positions at firms like Oppenheimer & Co. and Morgan Stanley. He holds FINRA Series 7, 63, and 86/87 licenses, and is known for his rigorous fundamental research and sector expertise.

Jason Kasarlov's questions to HUMANA (HUM) leadership

Question · Q3 2025

Jason Kasarlov asked for early thoughts on how 2026 medical and pharmacy cost trend developments are coming in relative to 2025, and if Humana could quantify the clinical excellence trend vendor opportunity for next year.

Answer

Celeste Mellet, CFO, reiterated expectations for medical and RX cost trends to continue at similar elevated levels into 2026 (mid-ish to higher end of mid for medical, low double digits for RX). She stated that the clinical excellence trend vendor opportunity is a larger transformation lever, expecting progress in 2026, 2027, and 2028, but not ready to quantify it yet.

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