UNH · News · 20260918N

Medical Cost Trend / Benefit Ratio

UNITEDHEALTH GROUP INC · 2026-09-18 · Importance 51 · Surprise 50

UnitedHealth’s medical care ratio (MCR) reportedly improved from 89.4% to 86.7% in 2026. The improvement reflects management’s strategy of giving up lower-quality membership to rebuild margins. The 2.7-percentage-point decline represents a material reduction in medical costs relative to premium revenue.

Key facts

• MCR (medical cost ratio) improved from 89.4% to 86.7%. source