UNH · 10-Q · 2026Q2 · Full report

Competition and Market Share

UNITEDHEALTH GROUP INC · 2026-08-10 · Importance 37 · Surprise 42

The commercial risk market remains highly competitive across small-group, large-group and individual segments, with competition adapting to employer and individual needs. Elevated medical costs are affecting pricing and benefit design, including individual exchange products, and may shift employer enrollment among product categories. UnitedHealth Group has pledged to rebate 2026 profits from individual exchange products to customers as policymakers consider affordability measures.