jared holz will join us next to dig into what to expect. don't go anywhere.ack in two. at corient, wealth management begins and ends with you. we believe the more personal the solution, the more powerful the result. we never lose focus on the life you want to build. it's time for wealth solutions as sophisticated as you are. it's time for corient. if you've ever grilled, you know you can count on propane to make everything great. but did you know propane also powers school buses that produce lower emissions that lead to higher test scores? or that propane can cut your energy costs at home? it powers big jobs and small ones too. from hospitals to hospitality, people rely on propane-an energy source that's affordable, plentiful, and environmentally friendly for everyone. get the facts at propane.com/now. >>> welcome back to "fast money. health care earnings kick off tomorrow with united health group reporting before the bell. investors watching how the insurer is dealing with the impact of a major cyber attack stock down 15% in 2024, while the health care etf i

for more, we're joined on the fast line by jared holz. eat to have you with us. >> thanks, melissa. appreciate it. >> in layperson's terms what does this mean for these stocks? >> well, the street was expecting a boost from the preliminary rate of about 3.7% or so. a lot of the commentary from the industry suggested that in this final rate, which came out this evening after the close, that we were going to see 100 basis points, perhaps a little bit more, in relief, or, in addition to that 3.7%. that does not seem to be the case here, and, you know, as we discussed so many times, health care utilization is running extremely hot now, and these rates are probably not going to cover enough of that for the manage care companies going forward. it's more of a near-term situation, i mean, you know, the rates get reset every year, but at least as we go into fiscal year 2025, i think all these companies are going to be -- have their backs against the wall to a degree. >> it's karen, thanks for being on on short notice. so, how does this change your

impact from that cyber attack, was also below what analysts had been expecting, specifically with jared holz yesterday at 84%. karen, we did see the likes of a hum humana up sharply on the back of this. >> obviously it's good when you have someone like united health doing well, but i think this is a big sigh of relief. nothing terrible happened, and the stock had really been shellacked in the last few months. so, a relief rally, as well as, you know, deserving that they stuck by their guidance. that was good. they could have easily changed it, so -- things are getting back to -- some of them are back above where they were trading when we got that bd newbad news reimbursement, so, relieved. >> united is the u in carter's plug trade. >> god-like. >> still god-like? >> well, as you said, it's been shellacked. if you are -- a journalist can start their story anyway, today, it's that it surged. but it's -- what it really is, you can start the headline like this, instead of being down 11% from april 1st, it's down 4%. this has been under a lot of pressure. this is a relief rally, and at least it h