UNH · 10-Q · 2026Q3 · Full report

No Surprises Act Cost Pressure

UNITEDHEALTH GROUP INC · 2026-11-03 · Importance 26 · Surprise 24

UnitedHealth says commercial medical-cost trends are elevated partly because of the independent resolution process under the No Surprises Act and more aggressive provider billing practices. The filing also attributes higher provider reimbursement under the Act to ongoing effects on medical costs. Management says these trends may continue in future periods but does not quantify the Act’s incremental financial impact.

Key facts

• UnitedHealth Group’s commercial medical cost trend is elevated in part because of the No Surprises Act independent resolution process and more aggressive provider billing practices; these trends may continue in future periods. source