 Shares of UnitedHealth Group Inc. UNH, 2.85 fell 0.5 and Cigna Corp. CI, 2.28 slumped 2.3 in premarket trading Monday, after Raymond James analyst John Ransom downgraded the health insurers, citing concerns that the tripledemic of the flu, RSV respiratory syncytial virus and COVID could lead to higher-than-expected medical loss ratios MLRs. Ransom is also concerned about potential negative outcomes from upcoming policy catalysts, including Medicare Advantage Advanced Notice and risk adjustment data validation RADV final rule. 