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UnitedHealth Group Inc UNH Stock Quote

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Morningstar‘s Stock Analysis UNH

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UnitedHealth's Integrated Assets Are Setting the Pace in the MCO Industry

Julie Utterback, CFA Senior Equity Analyst

Business Strategy and Outlook

| Julie Utterback, CFA |

Under one roof, UnitedHealth combines a top-tier health insurer (UnitedHealthcare), pharmacy benefit manager (OptumRx), provider (OptumHealth), and health analytics franchise (OptumInsight). The company's integrated strategy has resulted in some of the best returns in the industry in recent years and has been copied at least in part by the late 2018 mergers at CVS Health (added Aetna's insurance assets to its existing retail stores and market-leading PBM) and Cigna (added Express Scripts PBM assets to its existing insurance operations). Outside of substantial regulator-led reforms, we think these vertically integrated organizations could help bend the healthcare cost curve in the U.S., and UnitedHealth should be one of the key leaders of that charge going forward.

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Business Description

UnitedHealth Group is one of the largest private health insurers, providing medical benefits to 50 million members globally, including 5 million outside the U.S. at the end of 2021. As a leader in employer-sponsored, self-directed, and government-backed insurance plans, UnitedHealth has obtained massive scale in managed care. Along with its insurance assets, UnitedHealth's continued investments in its Optum franchises have created a healthcare services colossus that spans everything from medical and pharmaceutical benefits to providing outpatient care and analytics to both affiliated and third-party customers.

9900 Bren Road East, UnitedHealth Group Center
Minnetonka, MN, 55343
T +1 952 936-1300
Industry Healthcare Plans
Most Recent Earnings Jun 30, 2022
Fiscal Year End Dec 31, 2022
Employees 350,000

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