Investor Conference - UnitedHealth Group

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ojp-nav__chapter-desc">We are committed to charting a more sustainable path forward, helping build a modern, high-performing health system to improve access, affordability, outcomes and experiences for those who depend on it.</p> </div> <ul class="ojp-nav__sublink-list ojp-nav__submenu-container--desktop-col"> <li class="ojp-nav__sublink-container"><a href="/sustainability/sustainability-at-uhg.html" class="ojp-nav__sublink">Sustainability at UHG </a> </li> <li class="ojp-nav__sublink-container"><a href="/sustainability/modern-health-system.html" class="ojp-nav__sublink">Modern Health System </a> </li> <li class="ojp-nav__sublink-container"><a href="/sustainability/healthy-environment.html" class="ojp-nav__sublink">Healthy Environment </a> </li> <li class="ojp-nav__sublink-container"><a href="/sustainability/our-people-and-culture.html" class="ojp-nav__sublink">Our People and Culture </a> </li> <li class="ojp-nav__sublink-container"><a 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We are doctors, nurses, technologists, data scientists, care advocates, administrators, researchers and more.</p> <a class="cta primary ojp-nav__submenu-container__cta-button" href="https://careers.unitedhealthgroup.com/job-search-results/"> <span class="cta__text">Find your next career!</span> </a> <div class="ojp-nav__submenu-container__cta-link"> <a href="https://uhg.taleo.net/careersection/10000/profile.ftl?lang=en&_gl=1*1nqik9d*_gcl_au*NzIzMzExNzU0LjE2ODM3MzA2Mzk.&_ga=2.75308374.533119849.1686582101-613985629.1683730640">My Application History</a> <span class="ojp-utility-nav__link-icon"></span>  </div> </div> <ul class="ojp-nav__sublink-list ojp-nav__submenu-container--desktop-col"> <li class="ojp-nav__sublink-container"><a href="/careers/en/work.html" class="ojp-nav__sublink">Work Here </a> <ul class="ojp-nav__sublink__child-list"> <li><a href="/careers/en/work/career-areas.html" class="ojp-nav__sublink__child">Career Areas </a></li> <li><a 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class="ojp-nav__sublink-header ojp-nav--mobile-hide"> Insights, News & Resources</h3> <p class="ojp-paragraph--2 ojp-nav__chapter-desc">Explore our news stories to see our mission at work, find recent press releases and read research offering solutions for addressing health care challenges and opportunities.</p> </div> <ul class="ojp-nav__sublink-list ojp-nav__submenu-container--desktop-col"> <li class="ojp-nav__sublink-container"><a href="/newsroom/our-stories.html" class="ojp-nav__sublink">Newsroom </a> </li> <li class="ojp-nav__sublink-container"><a href="/newsroom/media-resources.html" class="ojp-nav__sublink">Media Resources </a> </li> <li class="ojp-nav__sublink-container"><a href="/newsroom/research-reports.html" class="ojp-nav__sublink">Insights & Research </a> <ul class="ojp-nav__sublink__child-list"> <li><a href="/newsroom/research-reports/research-library.html" class="ojp-nav__sublink__child">Research Library </a></li> <li><a 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style="background-position-y: bottom; object-position: bottom left; background-position-x: left;background-size: cover"/> </div> </div> <div class="sectionintroduction aem-GridColumn aem-GridColumn--default--12"> <div class="ojp-section-introduction section-introduction-component page-gutter "> <div class="rich-text-styling section-introduction-component-title"> <span class="uhg-text-white">Investor Conference 2023</span> </div> <div class="rich-text-styling"> <p class="section-introduction-component-description"> <span class="uhg-text-white">At UnitedHealth Group’s annual Investor Conference, we share how we are powering our strategic growth areas to deliver on our mission — to help people live healthier lives and help make the health system work better for everyone. A downloadable investor book, including business overviews and highlights for UnitedHealth Group, Optum and UnitedHealthcare, is available below in the Materials section.</span> </p> </div> <div class="image-content-box__cta-container section-introduction-component-cta-container"> <div class="image-content-box__cta"> <a class="cta secondary white" href="#materials" rel="noopener"> <span class="cta__text">Download Materials</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> <div class="html aem-GridColumn aem-GridColumn--default--12"><div data-emptytext="HTML Component" class="cq-placeholder"></div> <div class="html-container"> <p> </p> </div></div> </div> </div> <div class="secondarynav aem-GridColumn aem-GridColumn--default--12"><div class="container secondary-navigation sec-ht" data-script="SubNavigation"> <div class="row no-gutter secondary-nav-background "> <div class="col-2 col-sm-12 no-gutter hidden-sm hidden-md hidden-lg 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class="avatar-component-item__photo " src="/content/dam/UHG/Images/investor-relations/2022/UHG_250.png"/> <div class="avatar-component-item__info"> <a class="avatar-component-item__cta charcoal cta text-link cta-button" href="#uhg" rel="noopener"> <span class="cta__text">Overview & Growth Priorities</span> <div class="cta__icon-container diagonal" data-svg="arrow-right-hover"></div> </a> </div> </div> </div> <style> .diagonal{ display: inline; } .cta__icon-container.diagonal{ display: inherit; } </style> </div> </div> </div> </div> <div class=" ojp-column--4--desktop ojp-column--6--tablet ojp-column--12--mobile"> <div class="responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="avatar aem-GridColumn aem-GridColumn--default--12"> <div class="avatar-component avatar avatar-component--vertical charcoal" data-script="Avatar" id="avatar-5269314552"> <input type="hidden" value="Show More" id="showMoreLabel" class="showMoreLabel"/> <input type="hidden" value="Show Less" id="showLessLabel" class="showLessLabel"/> <div class="avatar-component__item ojp-avatar-item avatar "> <img class="avatar-component-item__photo " src="/content/dam/UHG/Images/investor-relations/2022/Optum_250.png"/> <div class="avatar-component-item__info"> <a class="avatar-component-item__cta charcoal cta text-link cta-button" href="#optum" rel="noopener"> <span class="cta__text">Overviews & Highlights</span> <div class="cta__icon-container diagonal" data-svg="arrow-right-hover"></div> </a> </div> </div> </div> <style> .diagonal{ display: inline; } .cta__icon-container.diagonal{ display: inherit; } </style> </div> </div> </div> </div> <div class=" ojp-column--4--desktop ojp-column--6--tablet ojp-column--12--mobile"> <div class="responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="avatar aem-GridColumn aem-GridColumn--default--12"> <div class="avatar-component avatar avatar-component--vertical charcoal" data-script="Avatar" id="avatar-6475518470"> <input type="hidden" value="Show More" id="showMoreLabel" class="showMoreLabel"/> <input type="hidden" value="Show Less" id="showLessLabel" class="showLessLabel"/> <div class="avatar-component__item ojp-avatar-item avatar "> <img class="avatar-component-item__photo " src="/content/dam/UHG/Images/investor-relations/2022/UHC_250.png"/> <div class="avatar-component-item__info"> <a class="avatar-component-item__cta charcoal cta text-link cta-button" href="#unitedhealthcare" rel="noopener"> <span class="cta__text">Overviews & Highlights</span> <div class="cta__icon-container diagonal" data-svg="arrow-right-hover"></div> </a> </div> </div> </div> <style> .diagonal{ display: inline; } .cta__icon-container.diagonal{ display: inherit; } </style> </div> </div> </div> </div> </div> <div class="column-control-end"> </div> </div> <div class="html aem-GridColumn aem-GridColumn--default--12"><div data-emptytext="HTML Component" class="cq-placeholder"></div> <div class="html-container"> <p> </p> </div></div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="3upcontent image aem-GridColumn aem-GridColumn--default--12"><div class="content-feature ojp-content-feature " data-script="ContentFeature"> <div style="background-image: url('/content/dam/UHG/Images/investor-relations/2023/ic2023/UHG_MountKisco_0772_updated.jpg')" class="content-feature-image"></div> <div class="content-feature-main"> <div id="content-feature-big" class="content-feature-big"> <div class="big-content-box "> <div class="eyebrow"> UnitedHealth Group </div> <h2><b>CEO Welcome Letter </b></h2> <div class="big-content-box__description"> <p><a name="uhg" id="uhg"></a></p> <p><i>Our aspiration is to become America’s leading consumer health care destination; a lifetime partner for their health and well-being, offering the products, services, solutions and experiences that make high-quality care not only affordable and accessible, but as easy and convenient as everything else in their lives.</i></p> <p>- Andrew Witty, Chief Executive Officer</p> </div> <div class="big-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_Letter.pdf" aria-describedby="<b>CEO Welcome Letter </b>"> <span class="cta__text">Keep Reading</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> <div class="content-feature-small"> <div id="content-feature-wide" class="content-feature-small-top"> <div class="wide-content-box ojp-wide-content-box short "> <div class="eyebrow"> Overview </div> <h3>Learn how we are navigating an evolving health care landscape to deliver differentiated value to our customers, consumers and society as a whole.</h3> <div class="wide-content-box__bottom-bar"> <div class="wide-content-box__cta"> <a class="cta text-link" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UNH_Overview.pdf" aria-describedby="Learn how we are navigating an evolving health care landscape to deliver differentiated value to our customers, consumers and society as a whole."> <span class="cta__text">Keep Reading</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> <div id="content-feature-long" class="content-feature-small-bottom"> <div class="long-content-box "> <div class="eyebrow">Growth Priorities</div> <h4>Our strategic growth priorities are connected and supported by a growing set of complementary capabilities to bring innovation to the health system and create more value for the people we serve.</h4> <div class="long-content-box__cta"> <a class="cta text-link" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UNH_GrowthPriorities.pdf" aria-describedby="Our strategic growth priorities are connected and supported by a growing set of complementary capabilities to bring innovation to the health system and create more value for the people we serve."> <span class="cta__text">Keep Reading</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " style="background-image: url('/content/dam/UHG/Images/investor-relations/2023/ic2023/Optum-orange-bkgd.jpg')"> <div class="image aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="image" data-cmp-src="/investors/conference/_jcr_content/root/responsivegrid_897306609/responsivegrid_1139397597/image.coreimg{.width}.svg/1700513698697/ic23-optum.svg" data-asset="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_Optum.svg" data-title="optum" class="cmp-lightbox cmp-image body-copy-component page-gutter" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_Optum.svg" class="cmp-image__image " itemprop="contentUrl" data-cmp-hook-image="image" alt="optum" style="background-position-y: bottom; object-position: bottom left; background-position-x: left;background-size: cover"/> </div> </div> </div> </div> <div class="sectionintroduction aem-GridColumn aem-GridColumn--default--12"> <div class="ojp-section-introduction section-introduction-component page-gutter "> <div class="rich-text-styling section-introduction-component-title"> <h2><a name="optum" id="optum"></a>Our Optum Business</h2> </div> <div class="rich-text-styling"> <p class="section-introduction-component-description"> Optum combines clinical expertise, technology and data to empower people, partners and providers with the information, tools and assistance they need to achieve better health. </p> </div> <div class="image-content-box__cta-container section-introduction-component-cta-container"> <div class="image-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_About_Optum.pdf" rel="noopener"> <span class="cta__text">Learn More About Optum</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> <div class="html aem-GridColumn aem-GridColumn--default--12"><div data-emptytext="HTML Component" class="cq-placeholder"></div> <div class="html-container"> <p> </p> </div></div> <div class="2-up-contentCard aem-GridColumn aem-GridColumn--default--12"> <div class="wrapper"> <div class="wrapper-content-box"> <div class="content-feature-2-up ojp-content-feature-2-up"> <div class="half-content-box "> <a href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_OH_Overview_Highlights.pdf"> <img class="half-content-box__img" src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_2up_OptumHealth.jpg"/> </a> <div class="hidden uhg-share-title"></div> <h2><p>Optum Health</p> </h2> <div class="half-content-box__description"><p>Optum Health engages people in managing their health and well-being in-person, in-home and virtually, and empowers care teams with the latest information and insights to help them efficiently coordinate patient care.</p> </div> <div class="half-content-box__bottom-bar"> <div class="half-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_OH_Overview_Highlights.pdf" aria-describedby="<p>Optum Health</p> "> <span class="cta__text">Go Deeper</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> <div class="half-content-box "> <a href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_OI_Overview_Highlights.pdf"> <img class="half-content-box__img" src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_2up_OptumInsight.jpg"/> </a> <div class="uhg-share-title"></div> <h2><p>Optum Insight</p> </h2> <div class="half-content-box__description"><p>Optum Insight creates stronger connections across payers, providers and consumers through software-enabled services and analytics to make clinical, administrative and financial processes simpler and more efficient.</p> </div> <div class="half-content-box__bottom-bar"> <div class="half-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_OI_Overview_Highlights.pdf" aria-describedby="<p>Optum Insight</p> "> <span class="cta__text">Go Deeper</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> </div> </div> </div> <div class="1upcontent image aem-GridColumn aem-GridColumn--default--12"><div class="image-content-box ojp-image-content-box image-left "> <a href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_ORx_Overview_Highlights.pdf"> <img class="image-content-box__img" src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_1up_OptumRx.png" alt="IC23_Optum-UHC_1up - IC23_1up_OptumRx"/> </a> <div class="image-content-box__info "> <div class="uhg-share-title"></div> <div class="image-content-box__title"><p>Optum Rx</p> </div> <div class="image-content-box__description "><p>Optum Rx integrates pharmacy, medical and behavioral care through its full spectrum of pharmacy services and benefits to give consumers affordable access to prescription medications and therapies.</p> </div> <div class="image-content-box__cta-container "> <div class="image-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_ORx_Overview_Highlights.pdf" aria-describedby="<p>Optum Rx</p> "> <span class="cta__text">Go Deeper</span> <div class="cta__icon-container" data-svg="arrow-right-hover"></div> </a> </div> </div> </div> </div> </div> <div class="html aem-GridColumn aem-GridColumn--default--12"><div data-emptytext="HTML Component" class="cq-placeholder"></div> <div class="html-container"> <p> </p> </div></div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " style="background-image: url('/content/dam/UHG/Images/investor-relations/2023/ic2023/UHC-navy-bkgd.jpg')"> <div class="image aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="image" data-cmp-src="/investors/conference/_jcr_content/root/responsivegrid_897306609/responsivegrid_954274873/image_1272177317.coreimg{.width}.svg/1700513740205/ic23-uhc.svg" data-asset="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_UHC.svg" data-title="unitedhealthcare" class="cmp-lightbox cmp-image body-copy-component page-gutter" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_UHC.svg" class="cmp-image__image " itemprop="contentUrl" data-cmp-hook-image="image" alt="unitedhealthcare" style="background-position-y: bottom; object-position: bottom left; background-position-x: left;background-size: cover"/> </div> </div> </div> </div> <div class="sectionintroduction aem-GridColumn aem-GridColumn--default--12"> <div class="ojp-section-introduction section-introduction-component page-gutter "> <div class="rich-text-styling section-introduction-component-title"> <h2><a name="unitedhealthcare" id="unitedhealthcare"></a>Our UnitedHealthcare Business</h2> </div> <div class="rich-text-styling"> <p class="section-introduction-component-description"> UnitedHealthcare offers a full range of health benefits, enabling affordable coverage, simplifying the health care experience and delivering access to high-quality care. </p> </div> <div class="image-content-box__cta-container 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class="hidden uhg-share-title"></div> <h2><p>UnitedHealthcare Employer & Individual</p> </h2> <div class="half-content-box__description"><p>UnitedHealthcare Employer & Individual offers a comprehensive array of health benefit plans and services across the U.S. for individuals and employers of all scale and type, as well as international plans and services.</p> </div> <div class="half-content-box__bottom-bar"> <div class="half-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UHC_EandI_Overview_Highlights.pdf" aria-describedby="<p>UnitedHealthcare Employer & Individual</p> "> <span class="cta__text">Go Deeper</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> <div class="half-content-box "> <a href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UHC_MandR_Overview_Highlights.pdf"> <img class="half-content-box__img" src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_2up_UHC-Med-Ret.jpg"/> </a> <div class="uhg-share-title"></div> <h2><p>UnitedHealthcare Medicare & Retirement</p> </h2> <div class="half-content-box__description"><p>UnitedHealthcare Medicare & Retirement serves the health and well-being needs of older adults through a comprehensive and diversified portfolio of products and services offering personalized and affordable coverage and care.</p> </div> <div class="half-content-box__bottom-bar"> <div class="half-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UHC_MandR_Overview_Highlights.pdf" aria-describedby="<p>UnitedHealthcare Medicare & Retirement</p> "> <span class="cta__text">Go Deeper</span> <div class="cta__icon-container" data-svg="arrow-right-hover"> </div> </a> </div> </div> </div> </div> </div> </div> </div> <div class="1upcontent image aem-GridColumn aem-GridColumn--default--12"><div class="image-content-box ojp-image-content-box image-left "> <a href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UHC_CandS_Overview_Highlights.pdf"> <img class="image-content-box__img" src="/content/dam/UHG/Images/investor-relations/2023/ic2023/IC23_1up_UHC-Com-State.png" alt="IC23_Optum-UHC_1up - IC23_1up_UHC-Com-State"/> </a> <div class="image-content-box__info "> <div class="uhg-share-title"></div> <div class="image-content-box__title"><p>UnitedHealthcare Community & State </p> </div> <div class="image-content-box__description "><p>UnitedHealthcare Community & State offers diversified health care benefit products and services that provide care for the economically disadvantaged, the medically underserved and those without employer-funded health care coverage.</p> </div> <div class="image-content-box__cta-container "> <div class="image-content-box__cta"> <a class="cta primary" href="/content/dam/UHG/PDF/investors/2023/ic23/UHG_IC23_UHC_CandS_Overview_Highlights.pdf" aria-describedby="<p>UnitedHealthcare Community & State </p> "> <span class="cta__text">Go Deeper</span> <div class="cta__icon-container" data-svg="arrow-right-hover"></div> </a> </div> </div> </div> </div> </div> <div class="html aem-GridColumn aem-GridColumn--default--12"><div data-emptytext="HTML Component" class="cq-placeholder"></div> <div class="html-container"> <p> </p> </div></div> <div class="responsivegrid bg-cloud aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="sectionintroduction aem-GridColumn aem-GridColumn--default--12"> <div class="ojp-section-introduction section-introduction-component page-gutter "> <div class="rich-text-styling section-introduction-component-title"> <h2><a name="materials" id="materials"></a>Materials</h2> </div> <div class="rich-text-styling"> <p class="section-introduction-component-description"> The Investor Conference book for 2023 is available below in PDF format. You may download the complete book, or specific sections of the book. <i>The information in these materials is accurate only as of the date it was published and is not being updated.</i> </p> </div> </div> </div> <div class="customlist list aem-GridColumn aem-GridColumn--default--12"> <div class="ojp-content-download-component content-download-component page-gutter black"> <ul class="content-download-component-links"> <li class="content-download-component-link"> <p class="content-download-component-link-title"> Investor Conference 2023 Book</p> <div class="content-download-component-footer"> <div class="content-download-component-ctas"> <div class="content-download-component-files-container"> <a class="content-download-component-file download" target="_blank" href="/content/dam/UHG/PDF/investors/2023/ic23/Investor-Conference-2023-Book.pdf"> Download <span>(521.89 KB)</span> <svg focusable="false" width="16px" height="15px" viewBox="0 0 16 15" version="1.1" 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Component" class="cq-placeholder"></div> <div class="html-container"> <style> /* adjusts anchor target */ :target:before { content: ""; display: block; height: 300px; /* fixed header height*/ margin: -300px 0 0; /* negative fixed header height */ } .cta.primary:before { background-image: linear-gradient(to right, #003c71, #003c71 100%); } @media (min-width: 1024px) { .standalone-cta { padding: 0px 68px 68px; } } @media (min-width: 768px) { .standalone-cta { padding: 0px 68px 79px; } } .standalone-cta { padding: 0px 20px 71px; } /* feature border override */ .feature-component__tag .feature-component__wrapper { border-left: solid 6px #003c71; } @media (max-width: 768px) { .content-download-component-link { padding: 10px 0 20px; } .content-download-component-files-container { margin-top: 5px; } .content-download-component-footer { margin-top: 0px; } .content-download-component { margin: 5px 15px 20px; } .content-download-component-ctas { margin-top: 20px; } .section-introduction-component { padding: 30px 20px 15px; } .accordion-component { margin: 50px 10px 60px; } } .hero__title, .hero__description { text-shadow: 2px 2px 8px rgb(0 102 245 / 15%); } </style> <div id="accept-terms" class="modal-component" tabindex="-1"> <div class="modal-component-window"> <button class="modal-component-close-button" data-svg="close-icon" aria-label="Close Modal" onclick="goBack()"></button> <div class="modal-component-copy-container"> <h4 class="modal-component-title">Forward-Looking Statements</h4> <p class="modal-component-message"> </p><article class="cmp-contentfragment" data-cmp-contentfragment-model="/content/dam/UHG/content-fragments/forward-looking-statements/jcr:content/model" data-cmp-contentfragment-path="/content/dam/UHG/content-fragments/forward-looking-statements"> <dl class="cmp-contentfragment__elements"> <div class="cmp-contentfragment__element cmp-contentfragment__element--main" data-cmp-contentfragment-element-type="string"> <dt class="cmp-contentfragment__element-title"> </dt> <dd class="cmp-contentfragment__element-value"> <p>The statements, estimates, projections, guidance or outlook contained in these materials include “forward-looking” statements which are intended to take advantage of the “safe harbor” provisions of the federal securities law. The words “believe,” “expect,” “intend,” “estimate,” “anticipate,” “forecast,” “outlook,” “plan,” “project,” “should” and similar expressions identify forward-looking statements. These statements may contain information about financial prospects, economic conditions and trends and involve risks and uncertainties. Actual results could differ materially from those that management expects, depending on the outcome of certain factors including: our ability to effectively estimate, price for and manage medical costs; new or changes in existing health care laws or regulations, or their enforcement or application; reductions in revenue or delays to cash flows received under government programs; changes in Medicare, the CMS star ratings program or the application of risk adjustment data validation audits; the DOJ’s legal action relating to the risk adjustment submission matter; our ability to maintain and achieve improvement in quality scores impacting revenue; failure to maintain effective and efficient information systems or if our technology products do not operate as intended; cyberattacks, other privacy/data security incidents, or our failure to comply with related regulations; risks and uncertainties associated with our businesses providing pharmacy care services; competitive pressures, including our ability to maintain or increase our market share; changes in or challenges to our public sector contract awards; failure to achieve targeted operating cost productivity improvements; failure to develop and maintain satisfactory relationships with health care payers, physicians, hospitals and other service providers; the impact of potential changes in tax laws and regulations; increases in costs and other liabilities associated with litigation, government investigations, audits or reviews; failure to complete, manage or integrate strategic transactions; risks associated with public health crises arising from large-scale medical emergencies, pandemics, natural disasters and other extreme events; failure to attract, develop, retain, and manage the succession of key employees and executives; our investment portfolio performance; impairment of our goodwill and intangible assets; failure to protect proprietary rights to our databases, software and related products; downgrades in our credit ratings; and our ability to obtain sufficient funds from our regulated subsidiaries or from external financings to fund our obligations, maintain our debt to total capital ratio at targeted levels, maintain our quarterly dividend payment cycle, or continue repurchasing shares of our common stock. This above list is not exhaustive. We discuss these matters, and certain risks that may affect our business operations, financial condition and results of operations, more fully in our filings with the SEC, including our reports on Forms 10-K, 10-Q and 8-K. By their nature, forward-looking statements are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. Actual results may vary materially from expectations expressed or implied in this document or any of our prior communications. You should not place undue reliance on forward-looking statements, which speak only as of the date they are made. 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