UNH / UnitedHealth Group Incorporated - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): August 20, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321

As filed with the Securities and Exchange Commission on August 14, 2025

S-8 As filed with the Securities and Exchange Commission on August 14, 2025 Registration Statement No.

AMEDISYS, INC. 2018 OMNIBUS INCENTIVE COMPENSATION PLAN (Inclusive of Plan amendments dated September 25, 2018 and October 21, 2020 and the full text of the Plan)

EX-4.4 Exhibit 4.4 AMEDISYS, INC. 2018 OMNIBUS INCENTIVE COMPENSATION PLAN (Inclusive of Plan amendments dated September 25, 2018 and October 21, 2020 and the full text of the Plan) 1. PURPOSE. The purpose of the Amedisys, Inc. 2018 Omnibus Incentive Compensation Plan (the “Plan”) is to promote the interests of Amedisys, Inc., a Delaware corporation (the “Company”) and its stockholders by (i) attr

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 UNITEDHEALTH GROUP INC Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common stock, par value $0.

COMPOSITE AMEDISYS, INC. 2008 OMNIBUS INCENTIVE COMPENSATION PLAN (Inclusive of Plan amendments dated June 7, 2012, October 25, 2012, April 23, 2015, January 20, 2017, February 22, 2017, September 25, 2018 and the full text of the Plan)

EX-4.3 Exhibit 4.3 COMPOSITE AMEDISYS, INC. 2008 OMNIBUS INCENTIVE COMPENSATION PLAN (Inclusive of Plan amendments dated June 7, 2012, October 25, 2012, April 23, 2015, January 20, 2017, February 22, 2017, September 25, 2018 and the full text of the Plan) 1.PURPOSE. The purpose of the Amedisys, Inc. 2008 Omnibus Incentive Compensation Plan (the “Plan”) is to promote the interests of Amedisys, Inc.

nt, effective as of May 12, 2025, between United HealthC

Exhibit 10.1 EMPLOYMENT AGREEMENT This Agreement is between Stephen J. Hemsley (“Executive”) and United HealthCare Services, Inc. (“UnitedHealth Group”), and is effective May 12, 2025 (the “Effective Date”). This Agreement’s purposes are to set forth certain terms of Executive’s employment by UnitedHealth Group or one of its affiliates and to protect UnitedHealth Group’s knowledge, expertise, cust

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group Inco

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2025 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 25, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132193

effective as of September 2, 2025

Exhibit 10.1 EMPLOYMENT AGREEMENT This Agreement is between Wayne S. DeVeydt (“Executive”) and United HealthCare Services, Inc. (“UnitedHealth Group”), and is effective as of Executive’s first day of employment with UnitedHealth Group (the “Effective Date”). This Agreement’s purposes are to set forth certain terms of Executive’s employment by UnitedHealth Group or one of its affiliates and to prot

UnitedHealth Group Announces Changes to Leadership Team

Exhibit 99.1 UnitedHealth Group Announces Changes to Leadership Team (July 31, 2025) – UnitedHealth Group (NYSE: UNH) today announced Wayne S. DeVeydt has been appointed its chief financial officer, effective September 2, 2025. John F. Rex, who joined the company in 2012 and has been CFO since 2016, will become strategic advisor to the CEO on the same date. “Wayne DeVeydt combines deep financial a

UnitedHealth Group Re-Establishes Full Year Outlook and Reports Second Quarter 2025 Results

UnitedHealth Group Re-Establishes Full Year Outlook and Reports Second Quarter 2025 Results •Full Year 2025 Revenue Outlook of $445.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 29, 2025 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 29, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132193

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 23, 2025 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 23, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132193

Pricing Agreement, dated June 17, 2025, among the Company and BofA Securities, Inc., Barclays Capital Inc., Citigroup Global Markets Inc. and J.P. Morgan Securities LLC

EXHIBIT 1.2 UnitedHealth Group Incorporated Debt Securities Pricing Agreement June 17, 2025 BofA Securities, Inc. One Bryant Park New York, New York 10036 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 As Representatives of the severa

Officers’ Certificate and Company Order, dated June 20, 2025, relating to the 4.650% Notes due January 15, 2031, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.650% Notes due January 15, 2031)

EX-4.2 EXHIBIT 4.2 UNITEDHEALTH GROUP INCORPORATED $750,000,000 4.650% Notes due January 15, 2031 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Officers’ Certificate and Company Order, dated June 20, 2025, relating to the 4.400% Notes due June 15, 2028, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.400% Notes due June 15, 2028)

EXHIBIT 4.1 UNITEDHEALTH GROUP INCORPORATED $500,000,000 4.400% Notes due June 15, 2028 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Compan

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 17, 2025 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 17, 2025 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Commis

Officers’ Certificate and Company Order, dated June 20, 2025, relating to the 5.950% Notes due June 15, 2055, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.950% Notes due June 15, 2055)

EXHIBIT 4.4 UNITEDHEALTH GROUP INCORPORATED $750,000,000 5.950% Notes due June 15, 2055 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Compan

Officers’ Certificate and Company Order, dated June 20, 2025, relating to the 5.300% Notes due June 15, 2035, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.300% Notes due June 15, 2035)

EX-4.3 EXHIBIT 4.3 UNITEDHEALTH GROUP INCORPORATED $1,000,000,000 5.300% Notes due June 15, 2035 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by t

Underwriting Agreement, dated June 17, 2025, among the Company and BofA Securities, Inc., Barclays Capital Inc., Citigroup Global Markets Inc. and J.P. Morgan Securities LLC

EXHIBIT 1.1 UnitedHealth Group Incorporated Debt Securities Underwriting Agreement June 17, 2025 BofA Securities, Inc. One Bryant Park New York, New York 10036 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 As Representatives of the s

Prospectus Supplement to Prospectus dated March 3, 2023 $500,000,000 4.400% Notes due June 15, 2028 $750,000,000 4.650% Notes due January 15, 2031 $1,000,000,000 5.300% Notes due June 15, 2035 $750,000,000 5.950% Notes due June 15, 2055

Filed Pursuant to Rule 424(b)(5) Registration No. 333-270279 Prospectus Supplement to Prospectus dated March 3, 2023 $3,000,000,000 $500,000,000 4.400% Notes due June 15, 2028 $750,000,000 4.650% Notes due January 15, 2031 $1,000,000,000 5.300% Notes due June 15, 2035 $750,000,000 5.950% Notes due June 15, 2055 We are offering $500,000,000 principal amount of 4.400% notes due June 15, 2028, $750,0

Table 1: Newly Registered and Carry Forward Securities

Calculation of Filing Fee Tables S-3 UNITEDHEALTH GROUP INC Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 4.

Subject to completion, dated June 17, 2025 Preliminary Prospectus Supplement to Prospectus dated March 3, 2023 $       $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due    , 20 

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-270279 The information in this preliminary prospectus supplement is not complete and may be changed. Subject to completion, dated June 17, 2025 Preliminary Prospectus Supplement to Prospectus dated March 3, 2023 $       $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due    ,

UNITEDHEALTH GROUP INCORPORATED FINAL TERM SHEET Dated June 17, 2025 $500,000,000 4.400% NOTES DUE JUNE 15, 2028 $750,000,000 4.650% NOTES DUE JANUARY 15, 2031 $1,000,000,000 5.300% NOTES DUE JUNE 15, 2035 $750,000,000 5.950% NOTES DUE JUNE 15, 2055

Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-10864 A. Full title of the plan and the a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 2, 2025 UNITEDHEALTH GROUP I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 2, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 20, 2025 UNITEDHEALTH GROUP I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 20, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

UnitedHealth Group Announces Leadership Transition

PRESS RELEASE UnitedHealth Group Announces Leadership Transition •Stephen J. Hemsley named Chief Executive Officer •Company suspends 2025 outlook as medical expenditures expected to be higher than anticipated •Company expects to return to growth in 2026 (May 13, 2025) UnitedHealth Group (NYSE: UNH) today announced the appointment of Stephen J. Hemsley as its chief executive officer, effective imme

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 12, 2025 UNITEDHEALTH GROUP I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 12, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group Inc

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 29, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13219

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Def

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule

UnitedHealth Group Reports First Quarter 2025 Results and Revises Full Year Guidance

UnitedHealth Group Reports First Quarter 2025 Results and Revises Full Year Guidance •Revised 2025 Earnings Outlook to $24.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 17, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13219

Fourth Amendment to OptumCare Executive Savings Plan (2021 Restatement).

Exhibit 4.5 FOURTH AMENDMENT OF OPTUMCARE EXECUTIVE SAVINGS PLAN (As Restated Effective January 1, 2021) WHEREAS, Optum Medical Services, P.C. has heretofore established and maintains the OptumCare Executive Savings Plan (the “Plan”) for the benefit of a select group of management or highly compensated employees of participating Employers under the Plan; WHEREAS, the Plan was most recently amended

Power of Attorney.

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Christopher R. Zaetta, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Excha

Filing Fee Tables.

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Other Deferred Compe

As filed with the Securities and Exchange Commission on April 1, 2025

As filed with the Securities and Exchange Commission on April 1, 2025 Registration No.

Insider Trading Policy

Exhibit 19.1 UnitedHealth Group Incorporated Insider Trading Policy Last updated: November 2024 Policy1 Federal Securities laws prohibit trading in (i) UnitedHealth Group Securities or another public company’s Securities while you are aware of Material Non-Public Information relating to UnitedHealth Group or the other company, or (ii) the disclosure of such Material Non-Public Information to other

Amendment to Employment Agreement, effective as of March 1, 2021, between United HealthCare Services, Inc. and Erin McSweeney

Exhibit 10.47 AMENDMENT TO EMPLOYMENT AGREEMENT This AMENDMENT TO EMPLOYMENT AGREEMENT (the “Amendment”) modifies certain terms and conditions of the Employment Agreement effective January 9, 2017 between Erin McSweeney and United HealthCare Services, Inc. (the “Employment Agreement”). Accordingly, Executive’s Employment Agreement is amended effective March 1, 2021 as follows: Section 3.E is delet

Amended and Restated Employment Agreement, effective as of April 1, 2024, between United HealthCare Services, Inc. and Heather Cianfrocco

Exhibit 10.45 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement is between Heather Cianfrocco (“Executive”) and United HealthCare Services, Inc. (“UnitedHealth Group”), and is effective April 1, 2024 (the “Effective Date”). This Agreement’s purposes are to set forth certain terms of Executive’s employment by UnitedHealth Group or one of its affiliates and to

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K _______________________________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-10864 UnitedHealth Group Incorpor

Employment Agreement, effective as of January 9, 2017, between United HealthCare Services, Inc. and Erin McSweeney

Exhibit 10.46 EMPLOYMENT AGREEMENT This Agreement is between Erin McSweeney (“Executive”) and United HealthCare Services, Inc. (“UnitedHealth Group”), and is effective as of Executive’s first day of employment with UnitedHealth Group (the “Effective Date”). This Agreement’s purposes are to set forth certain terms of Executive’s employment by UnitedHealth Group or one of its affiliates and to prote

Power of Attorney

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Christopher R. Zaetta, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Excha

Amended and Restated Employment Agreement, effective as of June 4, 2024, between United HealthCare Services, Inc. and Christopher Zaetta

Exhibit 10.48 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement is between Christopher Zaetta (“Executive”) and United HealthCare Services, Inc. (“UnitedHealth Group”), and is effective June 4, 2024 (the “Effective Date”). This Agreement’s purposes are to set forth certain terms of Executive’s employment by UnitedHealth Group or one of its affiliates and to p

Subsidiaries of UnitedHealth Group Incorporated

Exhibit 21.1 Subsidiaries of the Company Listed below are subsidiaries of UnitedHealth Group Incorporated as of December 31, 2024. Those subsidiaries not listed would not, in the aggregate, constitute a “significant subsidiary” of UnitedHealth Group Incorporated, as that term is defined in Rule 1-02(w) of Regulation S-X. Name of Entity State of Jurisdiction or Domicile Doing Business As 1070715 B.

UnitedHealth Group Reports 2024 Results

UnitedHealth Group Reports 2024 Results •Revenues of $400.3 Billion Grew 8% Year-Over-Year •Domestic Consumers Served by UnitedHealthcare Grew 2.1 Million •Value-Based Care Patients Served by Optum Grew 600,000 •Cash Flows from Operations were $24.2 Billion or 1.6x Net Income •Full Year, Fourth Quarter Net Earnings were $15.51, $5.98 Per Share •Full Year, Fourth Quarter Adjusted Net Earnings were

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 16, 2025 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 16, 2025 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 4, 2024 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 4, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UnitedHealth Group Statement on Today’s Events

UnitedHealth Group Statement on Today’s Events (Dec. 4, 2024) UnitedHealth Group today issued the following statement: “We are deeply saddened and shocked at the passing of our dear friend and colleague Brian Thompson, the CEO of UnitedHealthcare. Brian was a highly respected colleague and friend to all who worked with him. We are working closely with the New York Police Department and ask for you

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 3, 2024 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 3, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UnitedHealth Group Updates Business Outlook Ahead of Investor Conference

NEWS RELEASE (For Immediate Release) UnitedHealth Group Updates Business Outlook Ahead of Investor Conference (December 3, 2024) – UnitedHealth Group (NYSE: UNH) issued financial guidance ahead of its annual Investor Conference which takes place on December 4, beginning at 8:00 a.

UnitedHealth Group to Host 2024 Investor Conference

NEWS RELEASE (For Immediate Release) UnitedHealth Group to Host 2024 Investor Conference (November 26, 2024) – UnitedHealth Group (NYSE: UNH) will host its annual Investor Conference for analysts and institutional investors in New York City on Wednesday, December 4, 2024, beginning at 8:00 a.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 26, 2024 UNITEDHEALTH GR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 26, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 15, 2024 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 15, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UnitedHealth Group Reports Third Quarter 2024 Results

UnitedHealth Group Reports Third Quarter 2024 Results •Revenues of $100.8 Billion Grew $8.5 Billion Year Over Year •Consumers Served by UnitedHealthcare’s Commercial Domestic Offerings Grew 2.4 Million Year to Date •Third Quarter Earnings of $6.51 Per Share Include Cyberattack Impacts •Adjusted Earnings of $7.15 Per Share Include $0.12 in Business Disruption Impacts; Exclude $0.28 Direct Response

October 11, 2024

9900 Bren Road East Minnetonka, MN 55343 October 11, 2024 Via EDGAR Submission and Overnight Delivery U.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group Inco

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 5.500% Notes due July 15, 2044, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.500% Notes due July 15, 2044)

EXHIBIT 4.6 UNITEDHEALTH GROUP INCORPORATED $1,500,000,000 5.500% Notes due July 15, 2044 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Comp

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 5.750% Notes due July 15, 2064, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.750% Notes due July 15, 2064)

EXHIBIT 4.8 UNITEDHEALTH GROUP INCORPORATED $1,850,000,000 5.750% Notes due July 15, 2064 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Comp

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 4.750% Notes due July 15, 2026, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.750% Notes due July 15, 2026)

EXHIBIT 4.2 UNITEDHEALTH GROUP INCORPORATED $650,000,000 4.750% Notes due July 15, 2026 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Compan

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 4.800% Notes due January 15, 2030, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.800% Notes due January 15, 2030)

EXHIBIT 4.3 UNITEDHEALTH GROUP INCORPORATED $1,250,000,000 4.800% Notes due January 15, 2030 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the C

Underwriting Agreement, dated July 23, 2024, among the Company and Wells Fargo Securities, LLC, Citigroup Global Markets Inc., J.P. Morgan Securities LLC, PNC Capital Markets LLC, RBC Capital Markets, LLC and U.S. Bancorp Investments, Inc., as Representatives of the several Underwriters

EXHIBIT 1.1 Execution Version UnitedHealth Group Incorporated Debt Securities Underwriting Agreement July 23, 2024 Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 PNC Capital Markets LLC 300 Fifth Avenue, 10

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the Floating Rate Notes due July 15, 2026, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of Floating Rate Notes due July 15, 2026)

EXHIBIT 4.1 UNITEDHEALTH GROUP INCORPORATED $500,000,000 Floating Rate Notes due July 15, 2026 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the

Pricing Agreement, dated July 23, 2024, among the Company and Wells Fargo Securities, LLC, Citigroup Global Markets Inc., J.P. Morgan Securities LLC, PNC Capital Markets LLC, RBC Capital Markets, LLC and U.S. Bancorp Investments, Inc., as Representatives of the several Underwriters

EXHIBIT 1.2 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Pricing Agreement July 23, 2024 Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 PNC Capital Markets LLC 300 Fifth Avenue, 10th Fl

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 5.150% Notes due July 15, 2034, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.150% Notes due July 15, 2034)

EXHIBIT 4.5 UNITEDHEALTH GROUP INCORPORATED $2,000,000,000 5.150% Notes due July 15, 2034 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Comp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 23, 2024 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 23, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132193

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 4.950% Notes due January 15, 2032, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.950% Notes due January 15, 2032)

EXHIBIT 4.4 UNITEDHEALTH GROUP INCORPORATED $1,500,000,000 4.950% Notes due January 15, 2032 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the C

Officers’ Certificate and Company Order, dated July 25, 2024, relating to the 5.625% Notes due July 15, 2054, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.625% Notes due July 15, 2054)

EXHIBIT 4.7 UNITEDHEALTH GROUP INCORPORATED $2,750,000,000 5.625% Notes due July 15, 2054 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by the Comp

Prospectus Supplement to Prospectus dated March 3, 2023 $500,000,000 Floating Rate Notes due July 15, 2026 $650,000,000 4.750% Notes due July 15, 2026 $1,250,000,000 4.800% Notes due January 15, 2030 $1,500,000,000 4.950% Notes due January 15, 2032 $

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-270279 Prospectus Supplement to Prospectus dated March 3, 2023 $12,000,000,000 $500,000,000 Floating Rate Notes due July 15, 2026 $650,000,000 4.750% Notes due July 15, 2026 $1,250,000,000 4.800% Notes due January 15, 2030 $1,500,000,000 4.950% Notes due January 15, 2032 $2,000,000,000 5.150% Notes due July 15, 2034 $1,500,000

UNITEDHEALTH GROUP INCORPORATED FINAL TERM SHEET Dated July 23, 2024 $500,000,000 FLOATING RATE NOTES DUE JULY 15, 2026 $650,000,000 4.750% NOTES DUE JULY 15, 2026 $1,250,000,000 4.800% NOTES DUE JANUARY 15, 2030 $1,500,000,000 4.950% NOTES DUE JANUA

Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No.

Calculation of Filing Fee Tables (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial effective date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt  Floating  Rate Notes  due 2026  457(r)  $500,000,000  100.

Subject to completion, dated July 23, 2024 Preliminary Prospectus Supplement to Prospectus dated March 3, 2023 $  Floating Rate Notes due   , 20  $    % Notes due   , 20  $    % Notes due   , 20  $    % Notes due   , 20  $    % Notes due   , 20  $  

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-270279 The information in this preliminary prospectus supplement is not complete and may be changed. Subject to completion, dated July 23, 2024 Preliminary Prospectus Supplement to Prospectus dated March 3, 2023 $   $  Floating Rate Notes due   , 20  $    % Notes due   , 20  $    % Notes due   , 20  $    % Notes due   , 20  $ 

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 16, 2024 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 16, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132193

UnitedHealth Group Reports Second Quarter 2024 Results

UnitedHealth Group Reports Second Quarter 2024 Results •Revenues of $98.9 Billion Grew Nearly $6 Billion Year Over Year, Led by Optum •Consumers Served by UnitedHealthcare’s Commercial Domestic Offerings Grew 2.3 Million Year to Date •Cash Flows from Operations were $6.7 Billion or 1.5x Net Income •Second Quarter Earnings of $4.54 Per Share Reflect Classification of Remaining South American Operat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-10864 A. Full title of the plan and the a

June 14, 2024

9900 Bren Road East Minnetonka, MN 55343 June 14, 2024 Via EDGAR Submission and Overnight Delivery U.

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 3, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

United States Securities and Exchange Commission Washington, D.C. 20549 NOTICE OF EXEMPT SOLICITATION Pursuant to Rule 14a-103

United States Securities and Exchange Commission Washington, D.C. 20549 NOTICE OF EXEMPT SOLICITATION Pursuant to Rule 14a-103 Name of the Registrant: UnitedHealth Group, Inc. Name of persons relying on exemption: The Educational Foundation of America and Planned Parenthood Federation of America Address of persons relying on exemption: 4801 Hampden Lane, Suite 106, Bethesda MD 20814 Written materi

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 24, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 15, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 9, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 2) Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 21,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K/A (Amendment No. 2) ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 21, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— De

UnitedHealth Group Updates on Change Healthcare Cyberattack Provides Update on Ongoing Review of Impacted Patient Data Offers Support for People Potentially Impacted Makes Strong Progress in Restoring Change Healthcare Services

UnitedHealth Group Updates on Change Healthcare Cyberattack Provides Update on Ongoing Review of Impacted Patient Data Offers Support for People Potentially Impacted Makes Strong Progress in Restoring Change Healthcare Services (April 22, 2024) – UnitedHealth Group (NYSE: UNH) is announcing support for people who may be concerned about their personal data potentially being impacted based on preliminary findings from the ongoing investigation and review of the data involved in the malicious criminal cyberattack on Change Healthcare.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Def

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K/A ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 28, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UnitedHealth Group Reports First Quarter 2024 Results

UnitedHealth Group Reports First Quarter 2024 Results •Revenues of $99.8 Billion Grew Nearly $8 Billion Year Over Year •Earnings Reflect $0.74 per Share of Impacts from Change Healthcare Cyberattack; $0.49 to Support Direct Response Efforts and $0.25 in Business Disruption Impacts •Company has Provided Over $6 Billion in Advance Funding and Interest-Free Loans to Support Care Providers in Need •Fi

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 16, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13219

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 28, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13219

Officers’ Certificate and Company Order, dated March 21, 2024, relating to the 4.900% Notes due April 15, 2031, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.900% Notes due April 15, 2031)

EX-4.3 Exhibit 4.3 UNITEDHEALTH GROUP INCORPORATED $1,000,000,000 4.900% Notes due April 15, 2031 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Officers’ Certificate and Company Order, dated March 21, 2024, relating to the 4.600% Notes due April 15, 2027, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.600% Notes due April 15, 2027)

EX-4.1 Exhibit 4.1 UNITEDHEALTH GROUP INCORPORATED $500,000,000 4.600% Notes due April 15, 2027 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by th

Underwriting Agreement, dated March 19, 2024, among the Company and BofA Securities, Inc., Barclays Capital Inc., J.P. Morgan Securities LLC and Mizuho Securities USA LLC, as Representatives of the several Underwriters

Exhibit 1.1 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Underwriting Agreement March 19, 2024 BofA Securities, Inc. One Bryant Park New York, New York, 10036 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 Mizuho Securities USA LLC 1271 Avenue of the Americas New York, New York 10020 As R

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 19, 2024 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 19, 2024 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Commi

Officers’ Certificate and Company Order, dated March 21, 2024, relating to the 5.000% Notes due April 15, 2034, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.000% Notes due April 15, 2034)

EX-4.4 Exhibit 4.4 UNITEDHEALTH GROUP INCORPORATED $1,250,000,000 5.000% Notes due April 15, 2034 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Officers’ Certificate and Company Order, dated March 21, 2024, relating to the 4.700% Notes due April 15, 2029, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.700% Notes due April 15, 2029)

EX-4.2 Exhibit 4.2 UNITEDHEALTH GROUP INCORPORATED $400,000,000 4.700% Notes due April 15, 2029 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by th

Pricing Agreement, dated March 19, 2024, among the Company and BofA Securities, Inc., Barclays Capital Inc., J.P. Morgan Securities LLC and Mizuho Securities USA LLC, as Representatives of the several Underwriters

EX-1.2 Exhibit 1.2 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Pricing Agreement March 19, 2024 BofA Securities, Inc. One Bryant Park New York, New York, 10036 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10179 Mizuho Securities USA LLC 1271 Avenue of the Americas New York, New York 10020 As

Officers’ Certificate and Company Order, dated March 21, 2024, relating to the 5.375% Notes due April 15, 2054, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.375% Notes due April 15, 2054)

EX-4.5 Exhibit 4.5 UNITEDHEALTH GROUP INCORPORATED $1,750,000,000 5.375% Notes due April 15, 2054 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Officers’ Certificate and Company Order, dated March 21, 2024, relating to the 5.500% Notes due April 15, 2064, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.500% Notes due April 15, 2064)

EX-4.6 Exhibit 4.6 UNITEDHEALTH GROUP INCORPORATED $1,100,000,000 5.500% Notes due April 15, 2064 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Prospectus Supplement to Prospectus dated March 3, 2023 $500,000,000 4.600% Notes due April 15, 2027 $400,000,000 4.700% Notes due April 15, 2029 $1,000,000,000 4.900% Notes due April 15, 2031 $1,250,000,000 5.000% Notes due April 15, 2034 $1,750,000

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-270279 Prospectus Supplement to Prospectus dated March 3, 2023 $6,000,000,000 $500,000,000 4.600% Notes due April 15, 2027 $400,000,000 4.700% Notes due April 15, 2029 $1,000,000,000 4.900% Notes due April 15, 2031 $1,250,000,000 5.000% Notes due April 15, 2034 $1,750,000,000 5.375% Notes due April 15, 2054 $1,100,000,000 5.50

Calculation of Filing Fee Tables (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security  Type Security Class Title Fee Calculation  or Carry F

Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security  Type Security Class Title Fee Calculation  or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward  Form Type Carry Forward  File Number Carry Forward  Initial effective  date Filing Fee Previously Paid In Connection  with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt 4.

UNITEDHEALTH GROUP INCORPORATED FINAL TERM SHEET Dated March 19, 2024 $500,000,000 4.600% NOTES DUE April 15, 2027 $400,000,000 4.700% NOTES DUE April 15, 2029 $1,000,000,000 4.900% NOTES DUE April 15, 2031 $1,250,000,000 5.000% NOTES DUE April 15, 2

FWP Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No.

Subject to completion, dated March 19, 2024 Preliminary Prospectus Supplement to Prospectus dated March 3, 2023 $       $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due    , 20  $      % Notes due

424B5 Table of Contents The information in this preliminary prospectus supplement is not complete and may be changed.

UnitedHealth Group Update on Change Healthcare Cyberattack Timeline provided to restore key Change Healthcare systems Additional funding support for providers most impacted Actions to support patients

UnitedHealth Group Update on Change Healthcare Cyberattack Timeline provided to restore key Change Healthcare systems Additional funding support for providers most impacted Actions to support patients March 7, 2024 - UnitedHealth Group continues to make substantial progress in mitigating the impact to consumers and care providers of the unprecedented cyberattack on the U.

Financial Statements and Exhibits, 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K/A (Amendment No. 1) ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 21, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— De

UnitedHealth Group Executive Savings Plan (2024 Statement)

Exhibit 10.31 UNITEDHEALTH GROUP EXECUTIVE SAVINGS PLAN (2024 Statement) TABLE OF CONTENTS Page SECTION 1 INTRODUCTION AND DEFINITIONS 1 1.1 Statement of Plan 1 1.2 Definitions 1 1.3 Special Legacy Eligibility Rules 5 1.4 Special Transitional Rules under Section 409A of the Code 5 SECTION 2 ELIGIBILITY TO PARTICIPATE 6 2.1 Selection for Participation in the Plan 6 2.2 Enrollment Requirements 6 2.3

Power of Attorney

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

Form of Agreement for Nonqualified Stock Option Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Bondy) (2024 Version)

Exhibit 10.9 NONQUALIFIED STOCK OPTION AWARD Award Date (mm/dd/yyyy) #GrantDate# Option Shares #QuantityGranted# Exercise Price $#GrantPrice# Expiration Date (mm/dd/yyyy) #ExpirationDate# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) ha

Amended and Restated UnitedHealth Group Incorporated 2008 Executive Incentive Plan, effective as of December 31, 2023

Exhibit 10.30 UNITEDHEALTH GROUP INCORPORATED 2008 AMENDED AND RESTATED EXECUTIVE INCENTIVE PLAN SECTION 1. ESTABLISHMENT. On February 19, 2008, the Board of Directors of UnitedHealth Group Incorporated, upon recommendation by the Compensation and Human Resources Committee of the Board of Directors, approved this executive incentive plan for executives as described herein (the "UnitedHealth Group

Form of Agreement for Performance-Based Restricted Stock Unit Award to Executives under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (2024 Version)

Exhibit 10.4 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Target Number of Performance-Based Units #QuantityGranted# Performance Period (mm/dd/yyyy) 01/01/2024 – 12/31/2026 THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectiv

Form of Agreement for Restricted Stock Unit Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Witty) (2024 Version)

Exhibit 10.5 RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Number of Units #QuantityGranted# Final Vesting Date (mm/dd/yyyy) #GrantCustom2# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) has on the award date specified

Form of Agreement for Restricted Stock Unit Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Bondy) (2024 Version)

Exhibit 10.8 RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Number of Units #QuantityGranted# Final Vesting Date (mm/dd/yyyy) #GrantCustom2# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) has on the award date specified

Subsidiaries of UnitedHealth Group Incorporated

Exhibit 21.1 Subsidiaries of the Company Listed below are subsidiaries of UnitedHealth Group Incorporated as of December 31, 2023. Those subsidiaries not listed would not, in the aggregate, constitute a “significant subsidiary” of UnitedHealth Group Incorporated, as that term is defined in Rule 1-02(w) of Regulation S-X. Name of Entity State of Jurisdiction or Domicile Doing Business As 1070715 B.

Form of Agreement for Performance-Based Restricted Stock Unit Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Bondy) (2024 Version)

Exhibit 10.10 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Target Number of Performance-Based Units #QuantityGranted# Performance Period (mm/dd/yyyy) 01/01/2024 – 12/31/2026 THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collecti

Form of Agreement for Nonqualified Stock Option Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Witty) (2024 Version)

Exhibit 10.6 NONQUALIFIED STOCK OPTION AWARD Award Date (mm/dd/yyyy) #GrantDate# Option Shares #QuantityGranted# Exercise Price $#GrantPrice# Expiration Date (mm/dd/yyyy) #ExpirationDate# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) ha

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K _______________________________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-10864 UnitedHealth Group Incorpor

UnitedHealth Group Dodd-Frank Clawback Policy, effective December 1, 2023

Exhibit 97.1 UNITEDHEALTH GROUP DODD-FRANK CLAWBACK POLICY I.PURPOSE The purpose of this policy is for UnitedHealth Group (the “Company”) to establish a mechanism providing for the recovery of Erroneously Awarded Compensation in the event of an Accounting Restatement (“Policy”). This Policy is designed to comply with, and shall be interpreted to be consistent with, Section 10D of the Securities Ex

Form of Agreement for Performance-Based Restricted Stock Unit Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Witty) (2024 Version)

Exhibit 10.7 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Target Number of Performance-Based Units #QuantityGranted# Performance Period (mm/dd/yyyy) 01/01/2024 - 12/31/2026 THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectiv

Form of Agreement for Restricted Stock Unit Award to Executives under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (2024 Version)

Exhibit 10.2 RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Number of Units #QuantityGranted# Final Vesting Date (mm/dd/yyyy) #GrantCustom2# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) has on the award date specified

Form of Agreement for Nonqualified Stock Option Award to Executives under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (2024 Version)

Exhibit 10.3 NONQUALIFIED STOCK OPTION AWARD Award Date (mm/dd/yyyy) #GrantDate# Option Shares #QuantityGranted# Exercise Price $#GrantPrice# Expiration Date (mm/dd/yyyy) #ExpirationDate# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) ha

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 21, 2024 UNITEDHEALTH GR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 21, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

UNH / UnitedHealth Group Incorporated / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02160-unitedhealthgroupinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: UnitedHealth Group Inc Title of Class of Securities: Common Stock CUSIP Number: 91324P102 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 6, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): February 6, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 12, 2024 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 12, 2024 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UnitedHealth Group Reports 2023 Results

UnitedHealth Group Reports 2023 Results •Revenues of $371.6 Billion Grew 15% Year-Over-Year •Earnings from Operations Grew 14% •Cash Flows from Operations were $29.1 Billion or 1.3x Net Income •Full Year and Fourth Quarter Net Earnings were $23.86 and $5.83 Per Share •Full Year and Fourth Quarter Adjusted Net Earnings were $25.12 and $6.16 Per Share (January 12, 2024) UnitedHealth Group (NYSE: UNH

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 22, 2023 UNITEDHEALTH GR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 22, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

UnitedHealth Group Updates Business Outlook Ahead of Investor Conference

NEWS RELEASE (For Immediate Release) UnitedHealth Group Updates Business Outlook Ahead of Investor Conference (November 28, 2023) – UnitedHealth Group (NYSE: UNH) issued financial guidance ahead of its annual Investor Conference which takes place on November 29, beginning at 8:00 a.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 28, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

UnitedHealth Group to Host 2023 Investor Conference

NEWS RELEASE (For Immediate Release) UnitedHealth Group to Host 2023 Investor Conference (November 22, 2023) — UnitedHealth Group (NYSE: UNH) will host its annual Investor Conference with analysts and institutional investors in New York City on Wednesday, November 29, 2023, beginning at 8:00 a.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 22, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 3, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

Charlie Baker Joins UnitedHealth Group’s Board of Directors

Charlie Baker Joins UnitedHealth Group’s Board of Directors (Nov. 3, 2023) — UnitedHealth Group (NYSE: UNH) announced Charlie Baker, the former governor of Massachusetts and a prominent former health care executive, has been appointed to its Board of Directors, effective immediately. “Charlie Baker’s leadership and deep health care experience will serve UnitedHealth Group well in its efforts to ma

UnitedHealth Group Reports Third Quarter 2023 Results

UnitedHealth Group Reports Third Quarter 2023 Results •Revenues of $92.4 Billion Grew 14% Year-Over-Year •Earnings from Operations Grew 14% •Cash Flows from Operations were $6.9 Billion •Earnings were $6.24 Per Share, Adjusted Earnings $6.56 Per Share (October 13, 2023) UnitedHealth Group (NYSE: UNH) reported third quarter 2023 performance led by broad-based growth at Optum and UnitedHealthcare. “

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 13, 2023 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 13, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K/A (Amendment No. 1) ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 5, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delawar

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 1-10864 UnitedHealth Group Inco

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 14, 2023 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 14, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132193

UnitedHealth Group Reports Second Quarter 2023 Results

UnitedHealth Group Reports Second Quarter 2023 Results •Revenues of $92.9 Billion Grew 16% Year-Over-Year •Earnings from Operations Grew 13% •Cash Flows from Operations were $11.0 Billion •Earnings were $5.82 Per Share, Adjusted Earnings $6.14 Per Share MINNETONKA, Minn. (July 14, 2023) – Strong and well-balanced growth continued across UnitedHealth Group (NYSE: UNH) in the second quarter of 2023.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-10864 A. Full title of the plan and the a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 5, 2023 UNITEDHEALTH GROUP I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 5, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 30, 2023 UNITEDHEALTH GROUP I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 30, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

United States Securities and Exchange Commission Washington, D.C. 20549 NOTICE OF EXEMPT SOLICITATION Pursuant to Rule 14a-103

United States Securities and Exchange Commission Washington, D.C. 20549 NOTICE OF EXEMPT SOLICITATION Pursuant to Rule 14a-103 Name of the Registrant: UnitedHealth Group, Inc. Name of persons relying on exemption: The Educational Foundation of America Address of persons relying on exemption: 4801 Hampden Lane, Suite 106, Bethesda MA 20814 Written materials are submitted pursuant to Rule 14a-6(g) (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 5, 2023 UNITEDHEALTH GROUP IN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 5, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-1321939

This communication is not a solicitation of proxy authority and no proxy cards will be accepted. Vote your proxies in accordance with the Company’s instructions.

1 Notice of Exempt Solicitation NAME OF REGISTRANT: UnitedHealth Group, Inc NAME OF PERSON RELYING ON EXEMPTION: Mercy Investment Services ADDRESS OF PERSON RELYING ON EXEMPTION: 2039 N Geyer Rd, Frontenac, MO 63131 Written materials are submitted pursuant to Rule 14a-6(g)(1) promulgated under the Securities Exchange Act of 1934.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number: 1-10864 UnitedHealth Group Inc

Amended and Restated Indenture, dated as of April 27, 2023, between UnitedHealth Group Incorporated and Wilmington Trust Company, as successor trustee (incorporated by reference to Exhibit 4.1 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on April 28, 2023)

EX-4.1 Exhibit 4.1 UNITEDHEALTH GROUP INCORPORATED to WILMINGTON TRUST COMPANY as Trustee AMENDED AND RESTATED INDENTURE Dated as of April 27, 2023 UNITEDHEALTH GROUP INCORPORATED Reconciliation and tie between Trust Indenture Act of 1939 and Indenture, dated as of April 27, 2023 CROSS-REFERENCE TABLE* Trust Indenture Act Section Indenture Section 310 (a)(1) 812 (a)(2) 812 (a)(3) N.A. (a)(4) N.A.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2023 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 27, 2023 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Commi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2023 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 18, 2023 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Commi

Supplemental Indenture, dated as of April 18, 2023, between UnitedHealth Group Incorporated and U.S. Bank Trust Company, National Association, as trustee, relating to the 6.875% Senior Notes due 2038 (incorporated by reference to Exhibit 4.1 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on April 24, 2023)

EX-4.1 Exhibit 4.1 UNITEDHEALTH GROUP INCORPORATED SUPPLEMENTAL INDENTURE Dated as of April 18, 2023 to the INDENTURE Dated as of February 4, 2008 As supplemented by the Officers’ Certificate and Company Order Dated as of February 7, 2008 U.S. Bank Trust Company, National Association Trustee THIS SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of April 18, 2023, is entered into be

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ¨ Def

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   )

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.   ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 14, 2023 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): April 14, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13219

UnitedHealth Group Reports First Quarter 2023 Results

UnitedHealth Group Reports First Quarter 2023 Results •Revenues of $91.9 Billion, Grew 15% Year-Over-Year •Earnings from Operations Grew 16% •Cash Flows from Operations were $16.3 Billion; Adjusted Cash Flows from Operations were $5.1 Billion •Earnings were $5.95 Per Share, Adjusted Earnings $6.26 Per Share MINNETONKA, Minn. (April 14, 2023) – UnitedHealth Group (NYSE: UNH) reported first quarter

Underwriting Agreement, dated March 23, 2023, among the Company and Wells Fargo Securities, LLC, Citigroup Global Markets Inc., Deutsche Bank Securities Inc., Goldman Sachs & Co. LLC, Morgan Stanley & Co. LLC, PNC Capital Markets LLC, RBC Capital Markets, LLC and Truist Securities, Inc., as Representatives of the several Underwriters

EX-1.1 Exhibit 1.1 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Underwriting Agreement March 23, 2023 Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 Deutsche Bank Securities Inc. 1 Columbus Circle New York, New York 10019 Goldman Sachs & Co. LLC 200 West S

Officers’ Certificate and Company Order, dated March 28, 2023, relating to the 4.250% Notes due January 15, 2029, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.250% Notes due January 15, 2029)

EX-4.1 Exhibit 4.1 UNITEDHEALTH GROUP INCORPORATED $1,250,000,000 4.250% Notes due January 15, 2029 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted b

Officers’ Certificate and Company Order, dated March 28, 2023, relating to the 5.200% Notes due April 15, 2063, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.200% Notes due April 15, 2063)

EX-4.4 Exhibit 4.4 UNITEDHEALTH GROUP INCORPORATED $1,750,000,000 5.200% Notes due April 15, 2063 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Officers’ Certificate and Company Order, dated March 28, 2023, relating to the 4.500% Notes due April 15, 2033, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 4.500% Notes due April 15, 2033)

EX-4.2 Exhibit 4.2 UNITEDHEALTH GROUP INCORPORATED $1,500,000,000 4.500% Notes due April 15, 2033 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Pricing Agreement, dated March 23, 2023, among the Company and Wells Fargo Securities, LLC, Citigroup Global Markets Inc., Deutsche Bank Securities Inc., Goldman Sachs & Co. LLC, Morgan Stanley & Co. LLC, PNC Capital Markets LLC, RBC Capital Markets, LLC and Truist Securities, Inc., as Representatives of the several Underwriters

EX-1.2 Exhibit 1.2 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Pricing Agreement March 23, 2023 Wells Fargo Securities, LLC 550 South Tryon Street, 5th Floor Charlotte, North Carolina 28202 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 Deutsche Bank Securities Inc. 1 Columbus Circle New York, New York 10019 Goldman Sachs & Co. LLC 200 West Street

Officers’ Certificate and Company Order, dated March 28, 2023, relating to the 5.050% Notes due April 15, 2053, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.050% Notes due April 15, 2053)

EX-4.3 Exhibit 4.3 UNITEDHEALTH GROUP INCORPORATED $2,000,000,000 5.050% Notes due April 15, 2053 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 23, 2023 UNITEDHEALTH GROUP

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 23, 2023 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Commi

You’ve Exceeded the SEC’s Traffic Limit

EX-FILING FEES Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial effective date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt 4.

UNITEDHEALTH GROUP INCORPORATED FINAL TERM SHEET Dated March 23, 2023 $1,250,000,000 4.250% NOTES DUE JANUARY 15, 2029 $1,500,000,000 4.500% NOTES DUE APRIL 15, 2033 $2,000,000,000 5.050% NOTES DUE APRIL 15, 2053 $1,750,000,000 5.200% NOTES DUE APRIL

FWP Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No.

Prospectus Supplement to Prospectus dated March 3, 2023 $1,250,000,000 4.250% Notes due January 15, 2029 $1,500,000,000 4.500% Notes due April 15, 2033 $2,000,000,000 5.050% Notes due April 15, 2053 $1,750,000,000 5.200% Notes due April 15, 2063

424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-270279 Prospectus Supplement to Prospectus dated March 3, 2023 $6,500,000,000 $1,250,000,000 4.250% Notes due January 15, 2029 $1,500,000,000 4.500% Notes due April 15, 2033 $2,000,000,000 5.050% Notes due April 15, 2053 $1,750,000,000 5.200% Notes due April 15, 2063 We are offering $1,250,000,000 principal amount of 4.2

Subject to completion, dated March 23, 2023 Preliminary Prospectus Supplement to Prospectus dated March 3, 2023 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20

424B5 Table of Contents The information in this preliminary prospectus supplement is not complete and may be changed.

(incorporated by reference to Exhibit 4.4 to UnitedHealth Group Incorporated’s Registration Statement on Form S-8, SEC File Number 333-270278, filed on March 3, 2023)

Exhibit 4.4 THIRD AMENDMENT OF OPTUMCARE EXECUTIVE SAVINGS PLAN (As Restated Effective January 1, 2021) WHEREAS, Optum Medical Services, P.C. (“Optum”), has heretofore established and maintains the OptumCare Executive Savings Plan (the “Plan”) for the benefit of a select group of management or highly compensated employees of Optum and certain affiliates of Optum; WHEREAS, the Plan was most recentl

First Amendment to OptumCare Executive Savings Plan (2021 Restatement).

Exhibit 4.2 FIRST AMENDMENT OF OPTUM PARTNER SERVICES EXECUTIVE SAVINGS PLAN WHEREAS, Optum Medical Services, P.C. (“Optum”), has established and maintains the Optum Partner Services Executive Savings Plan (the “ESP”) for the benefit of a select group of management or highly compensated employees of Optum and certain of its affiliates, most recently amended and restated, effective as of January 1,

As filed with the Securities and Exchange Commission on March 3, 2023

As filed with the Securities and Exchange Commission on March 3, 2023 Registration No.

(incorporated by reference to Exhibit 4.3 to UnitedHealth Group Incorporated’s Registration Statement on Form S-8, SEC File Number 333-270278, filed on March 3, 2023).

Exhibit 4.3 SECOND AMENDMENT OF OPTUMCARE EXECUTIVE SAVINGS PLAN (As Restated Effective January 1, 2021) WHEREAS, Optum Medical Services, P.C. (“Optum”), has heretofore established and maintains the OptumCare Executive Savings Plan (the “ESP”) for the benefit of a select group of management or highly compensated employees of Optum and certain affiliates of Optum; WHEREAS, the ESP was most recently

Power of Attorney.

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

Filing Fee Tables.

Exhibit 107.1 Calculation of Filing Fee Tables Form S-8 (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered (1) Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Other Deferred Compe

As filed with the Securities and Exchange Commission on March 3, 2023

Table of Contents As filed with the Securities and Exchange Commission on March 3, 2023 Registration No.

Filing fee tables

Exhibit 107.1 Calculation of Filing Fee Tables Form S-3 (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amoun

Statement of Eligibility on Form T-1 under the Trust Indenture Act of 1939, as amended, of U.S. Bank Trust Company, National Association, as trustee with respect to the Indenture filed as Exhibit 4.1 hereto

Exhibit 25.1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————— FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) ☐ ———————————————————— U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of Trustee as specified in it

(incorporated by reference to Exhibit 4.1 to UnitedHealth Group Incorporated’s Registration Statement on Form S-8, SEC File Number 333-270278, filed on March 3, 2023)

Exhibit 4.1 OPTUMCARE EXECUTIVE SAVINGS PLAN (Restated Effective January 1, 2021) TABLE OF CONTENTS Page SECTION 1 INTRODUCTION AND DEFINITIONS 1 1.1 Statement of Plan 1 1.2 Definitions 1 SECTION 2 ELIGIBILITY TO PARTICIPATE 3 2.1 Selection for Participation in the Plan 3 2.2 Enrollment Requirements 4 2.3 Special Eligibility Rule For Former Participants 4 2.4 Special Rule For Certain Employees of

Power of attorney from directors of UnitedHealth Group Incorporated

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

Subsidiaries of UnitedHealth Group Incorporated

Exhibit 21.1 Subsidiaries of the Company Listed below are subsidiaries of UnitedHealth Group Incorporated as of December 31, 2022. Those subsidiaries not listed would not, in the aggregate, constitute a “significant subsidiary” of UnitedHealth Group Incorporated, as that term is defined in Rule 1-02(w) of Regulation S-X. Name of Entity State of Jurisdiction or Domicile Doing Business As 1070715 B.

Form of Agreement for Nonqualified Stock Option Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Witty) (2023 Version) (incorporated by reference to Exhibit 10.6 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.6 NONQUALIFIED STOCK OPTION AWARD Award Date (mm/dd/yyyy) #GrantDate# Option Shares #QuantityGranted# Exercise Price $#GrantPrice# Expiration Date (mm/dd/yyyy) #ExpirationDate# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) ha

Form of Agreement for Performance-Based Restricted Stock Unit Award to Executives under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (2023 Version) (incorporated by reference to Exhibit 10.4 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.4 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Target Number of Performance-Based Units #QuantityGranted# Performance Period (mm/dd/yyyy) 01/01/2022 – 12/31/2024 THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectiv

Form of Agreement for Nonqualified Stock Option Award to Executives under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (2023 Version) (incorporated by reference to Exhibit 10.3 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.3 NONQUALIFIED STOCK OPTION AWARD Award Date (mm/dd/yyyy) #GrantDate# Option Shares #QuantityGranted# Exercise Price $#GrantPrice# Expiration Date (mm/dd/yyyy) #ExpirationDate# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) ha

Form of Agreement for Restricted Stock Unit Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Witty) (2023 Version) (incorporated by reference to Exhibit 10.5 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.5 RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Number of Units #QuantityGranted# Final Vesting Date (mm/dd/yyyy) #GrantCustom2# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) has on the award date specified

Avery Parent Holdings, Inc. 2020 Stock Option and Grant Plan (incorporated by reference to Exhibit 10.31 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.31 Execution Version AVERY PARENT HOLDINGS, INC. 2020 STOCK OPTION AND GRANT PLAN SECTION 1. GENERAL PURPOSE OF THE PLAN; DEFINITIONS The name of the plan is the Avery Parent Holdings, Inc. 2020 Stock Option and Grant Plan (the “Plan”). The purpose of the Plan is to encourage and enable the officers, employees, directors, Consultants and other key persons of Avery Parent Holdings, Inc.,

Summary of Non-Management Director Compensation, effective as of October 1, 2022 (incorporated by reference to Exhibit 10.29 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.29 Our compensation and benefit program is designed to compensate our non-employee directors fairly for work required for a company of our size and scope, and align their interests with the long-term interests of our shareholders. Director compensation reflects our desire to attract, retain and use the expertise of highly qualified people serving on the Company’s Board of Directors. The

Executive Long-Term Disability Program, dated as of January 1, 2021 (incorporated by reference to Exhibit 10.28 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.28 UnitedHealth Group Benefits Handbook Benefits Handbook Supplement Executive Long-Term Disability UnitedHealth Group Incorporated (“UnitedHealth Group”) sponsors the UnitedHealth Group Long-Term Disability Program (the “LTD Program”), which is a component benefit program of the UHG Inc. Group Benefits Plan. The LTD Program provides financial protection against loss of income if you ar

effective as of February 28, 2022

Exhibit 10.47 EMPLOYMENT AGREEMENT This Agreement is between Rupert Bondy (“Executive”) and United HealthCare Services, Inc. (“UnitedHealth Group”) and is effective as of Executive’s first day of employment with UnitedHealth Group (the “Effective Date”). This Agreement’s purposes are to set forth certain terms of Executive’s employment by UnitedHealth Group or one of its affiliates and to protect

Power of Attorney

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

Second Amendment of UnitedHealth Group Executive Savings Plan (2021 Statement)

Exhibit 10.27 SECOND AMENDMENT OF UNITEDHEALTH GROUP EXECUTIVE SAVINGS PLAN (2021 Statement) WHEREAS, UnitedHealth Group Incorporated, a Minnesota corporation (“UnitedHealth Group”) has heretofore established and maintains several nonqualified, deferred compensation programs (the “ESP”) for the benefit of a select group of management or highly compensated employees of UnitedHealth Group and certai

roup Executive Savings Plan (2021 Statemen

Exhibit 10.26 FIRST AMENDMENT OF UNITEDHEALTH GROUP EXECUTIVE SAVINGS PLAN (2021 Statement) WHEREAS, UnitedHealth Group Incorporated, a Delaware corporation (“UnitedHealth Group”), has heretofore established and maintains several nonqualified, deferred compensation programs (the “ESP”) for the benefit of a select group of management or highly compensated employees of UnitedHealth Group and certain

Form 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-10864 UnitedHealth Group Incorpor

Form of Agreement for Restricted Stock Unit Award to Executives under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (2023 Version) (incorporated by reference to Exhibit 10.2 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.2 RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Number of Units #QuantityGranted# Final Vesting Date (mm/dd/yyyy) #GrantCustom2# THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectively, the “Company”) has on the award date specified

UnitedHealth Group Directors’ Compensation Deferral Plan (2023 Statement) (incorporated by reference to Exhibit 10.30 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.30 UNITEDHEALTH GROUP DIRECTORS’ COMPENSATION DEFERRAL PLAN (2023 STATEMENT) SECTION 1 INTRODUCTION AND DEFINITIONS 1.1. Establishment of Plan. Effective January 1, 2002, UNITEDHEALTH GROUP INCORPORATED, a Minnesota corporation (hereinafter sometimes referred to as “UnitedHealth Group”), as plan sponsor, established a nonqualified, unfunded, deferred compensation plan for the benefit of

Form of Agreement for Performance-Based Restricted Stock Unit Award under UnitedHealth Group Incorporated’s 2020 Stock Incentive Plan (Witty) (2023 Version) (incorporated by reference to Exhibit 10.7 to UnitedHealth Group Incorporated’s Annual Report on Form 10-K for the year ended December 31, 2022)

Exhibit 10.7 PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD Award Date (mm/dd/yyyy) #GrantDate# Target Number of Performance-Based Units #QuantityGranted# Performance Period (mm/dd/yyyy) 01/01/2023 - 12/31/2025 THIS CERTIFIES THAT UnitedHealth Group Incorporated, on behalf of itself and its subsidiaries, related and affiliated companies, and all divisions, successors, and assigns of them (collectiv

Filing Fee Table.

EXHIBIT 107 Calculation of Filing Fee Tables FORM S-8 (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) (2) Proposed Maximum Offering Price Per Unit(3) Proposed Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common stock, par value $0.

Amendment to the LHC Group, Inc. 2018 Incentive Plan.

Exhibit 4.5 AMENDMENT TO THE LHC GROUP, INC. 2018 INCENTIVE PLAN This Amendment (the “Amendment”) to the LHC Group, Inc. 2018 Incentive Plan (the “Plan”), has been adopted by the Compensation Committee of the Board of Directors of LHC Group, Inc. (the “Company”), to be effective as of and contingent on the closing of the transaction contemplated by that certain Agreement and Plan of Merger, dated

Power of Attorney.

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

As filed with the Securities and Exchange Commission on February 22, 2023

As filed with the Securities and Exchange Commission on February 22, 2023 Registration Statement No.

LHC Group, Inc. 2018 Incentive Plan.

Exhibit 4.3 2018 INCENTIVE PLAN LHC GROUP, INC. 2018 INCENTIVE PLAN TABLE OF CONTENTS ARTICLE 1 - PURPOSE 1.1 General A-4 ARTICLE 2 - DEFINITIONS 2.1 Definitions A-4 ARTICLE 3 - EFFECTIVE TERM OF PLAN 3.1 Effective Date A-9 3.2 Term of Plan A-9 ARTICLE 4 - ADMINISTRATION 4.1 Committee A-10 4.2 Actions and Interpretations by the Committee A-10 4.3 Authority of Committee A-10 4.4 Delegation A-11 4.5

UNH / UnitedHealth Group Inc / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02127-unitedhealthgroupinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)* Name of issuer: UnitedHealth Group Inc. Title of Class of Securities: Common Stock CUSIP Number: 91324P102 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to

UnitedHealth Group Reports 2022 Results

UnitedHealth Group Reports 2022 Results •Revenues of $324.2 Billion Grew 13% Year-Over-Year, with Double-Digit Growth at both Optum and UnitedHealthcare •Cash Flows from Operations were $26.2 Billion or 1.3x Net Income •Full Year and Fourth Quarter Net Earnings were $21.18 and $5.03 Per Share •Full Year and Fourth Quarter Adjusted Net Earnings were $22.19 and $5.34 Per Share MINNETONKA, Minn. (Jan

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 13, 2023 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): January 13, 2023 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 12, 2022 UNITEDHEALTH GR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): December 12, 2022 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

Kristen Gil Joins UnitedHealth Group Board of Directors

Kristen Gil Joins UnitedHealth Group Board of Directors MINNETONKA, Minn. (Dec.12, 2022) – UnitedHealth Group (NYSE: UNH) announced Kristen Gil of Alphabet Inc. (NASDAQ: GOOG) has been appointed to its Board of Directors, effective immediately. Gil currently serves as vice president, business finance officer, at Google. She has held numerous senior positions at parent company Alphabet since joinin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 28, 2022 UNITEDHEALTH GR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 28, 2022 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

N E W S R E L E A S E

N E W S R E L E A S E (For Immediate Release) UnitedHealth Group Updates Business Outlook Ahead of Investor Conference MINNETONKA, Minn.

N E W S R E L E A S E

N E W S R E L E A S E (For Immediate Release) UnitedHealth Group to Host 2022 Investor Conference MINNETONKA, Minn.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 22, 2022 UNITEDHEALTH GR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): November 22, 2022 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number: 1-10864 UnitedHealth Group

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 5.000% Notes due October 15, 2024, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.000% Notes due October 15, 2024)

EX-4.1 Exhibit 4.1 UNITEDHEALTH GROUP INCORPORATED $500,000,000 5.000% Notes due October 15, 2024 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 5.150% Notes due October 15, 2025, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.150% Notes due October 15, 2025)

EX-4.2 Exhibit 4.2 UNITEDHEALTH GROUP INCORPORATED $750,000,000 5.150% Notes due October 15, 2025 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted by

Pricing Agreement, dated October 25, 2022, among the Company and BofA Securities, Inc., Barclays Capital Inc., Citigroup Global Markets Inc., J.P. Morgan Securities LLC, U.S. Bancorp Investments, Inc. and Wells Fargo Securities, LLC, as Representatives of the several Underwriters

EX-1.2 Exhibit 1.2 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Pricing Agreement October 25, 2022 BofA Securities, Inc. One Bryant Park New York, New York 10036 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 Citigroup Global Markets Inc. 388 Greenwich Street New York, NY 10013 J.P. Morgan Securities LLC 383 Madison Avenue New York, NY 10017 U.S. Bancorp Inv

Underwriting Agreement, dated October 25, 2022, among the Company and BofA Securities, Inc., Barclays Capital Inc., Citigroup Global Markets Inc., J.P. Morgan Securities LLC, U.S. Bancorp Investments, Inc. and Wells Fargo Securities, LLC, as Representatives of the several Underwriters

EX-1.1 Exhibit 1.1 EXECUTION VERSION UnitedHealth Group Incorporated Debt Securities Underwriting Agreement October 25, 2022 BofA Securities, Inc. One Bryant Park New York, New York 10036 Barclays Capital Inc. 745 Seventh Avenue New York, New York 10019 Citigroup Global Markets Inc. 388 Greenwich Street New York, New York 10013 J.P. Morgan Securities LLC 383 Madison Avenue New York, New York 10017

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 5.250% Notes due February 15, 2028, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.250% Notes due February 15, 2028)

EX-4.3 Exhibit 4.3 UNITEDHEALTH GROUP INCORPORATED $1,000,000,000 5.250% Notes due February 15, 2028 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 5.875% Notes due February 15, 2053, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.875% Notes due February 15, 2053)

EX-4.6 Exhibit 4.6 UNITEDHEALTH GROUP INCORPORATED $2,000,000,000 5.875% Notes due February 15, 2053 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2022 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 25, 2022 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Com

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 5.300% Notes due February 15, 2030, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.300% Notes due February 15, 2030)

EX-4.4 Exhibit 4.4 UNITEDHEALTH GROUP INCORPORATED $1,250,000,000 5.300% Notes due February 15, 2030 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 5.350% Notes due February 15, 2033, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 5.350% Notes due February 15, 2033)

EX-4.5 Exhibit 4.5 UNITEDHEALTH GROUP INCORPORATED $2,000,000,000 5.350% Notes due February 15, 2033 Officers’ Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the “Indenture”), between UnitedHealth Group Incorporated, a Delaware corporation (the “Company”), and U.S. Bank Trust Company, National Association, as trustee (the “Trustee”), and resolutions adopted

Officers’ Certificate and Company Order, dated October 28, 2022, relating to the 6.050% Notes due February 15, 2063, pursuant to Sections 201, 301 and 303 of the Indenture (including the form of 6.050% Notes due February 15, 2063)

Exhibit 4.7 UNITEDHEALTH GROUP INCORPORATED $1,500,000,000 6.050% Notes due February 15, 2063 Officers? Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the ?Indenture?), between UnitedHealth Group Incorporated, a Delaware corporation (the ?Company?), and U.S. Bank Trust Company, National Association, as trustee (the ?Trustee?), and resolutions adopted by the

Prospectus Supplement to Prospectus dated February 24, 2020 $500,000,000 5.000% Notes due October 15, 2024 $750,000,000 5.150% Notes due October 15, 2025 $1,000,000,000 5.250% Notes due February 15, 2028 $1,250,000,000 5.300% Notes due February 15, 2

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-236600 Prospectus Supplement to Prospectus dated February 24, 2020 $9,000,000,000 $500,000,000 5.000% Notes due October 15, 2024 $750,000,000 5.150% Notes due October 15, 2025 $1,000,000,000 5.250% Notes due February 15, 2028 $1,250,000,000 5.300% Notes due February 15, 2030 $2,000,000,000 5.350% Notes due February 15, 2033 $2

UNITEDHEALTH GROUP INCORPORATED FINAL TERM SHEET Dated October 25, 2022 $500,000,000 5.000% NOTES DUE OCTOBER 15, 2024 $750,000,000 5.150% NOTES DUE OCTOBER 15, 2025 $1,000,000,000 5.250% NOTES DUE FEBRUARY 15, 2028 $1,250,000,000 5.300% NOTES DUE FE

Issuer Free Writing Prospectus Filed Pursuant to Rule 433 Registration Statement No.

Calculation of Filing Fee Tables (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities

Exhibit 107 Calculation of Filing Fee Tables 424(b)(5) (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial effective date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to Be Paid Debt 5.

Subject to completion, dated October 25, 2022 Preliminary Prospectus Supplement to Prospectus dated February 24, 2020 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20 $ % Notes due , 20

424B5 Table of Contents The information in this preliminary prospectus supplement is not complete and may be changed.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 14, 2022 UNITEDHEALTH GRO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ————————————— FORM 8-K ————————————— Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 14, 2022 ————————————— UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ————————————— Delaware 1-10864 41-132

UnitedHealth Group Reports Third Quarter 2022 Results

UnitedHealth Group Reports Third Quarter 2022 Results •Revenues of $80.9 Billion Grew 12% Year-Over-Year, with Diversified Growth across Optum and UnitedHealthcare •Earnings from Operations were $7.5 Billion •Cash Flows from Operations were $18.5 Billion; Adjusted Cash Flows from Operations were $8.8 Billion, 1.6x Net Income •Net Earnings $5.55 Per Share; Adjusted Earnings $5.79 Per Share MINNETON

Change Healthcare Inc. 2019 Omnibus Incentive Plan (incorporated by reference to Exhibit 4.3 to UnitedHealth Group Incorporated’s Registration Statement on Form S-8, SEC File Number 333-267716, filed on October 3, 2022)

Exhibit 4.3 change healthcare inc. 2019 Omnibus Incentive Plan 1. Purpose. The purpose of the Change Healthcare Inc. 2019 Omnibus Incentive Plan is to provide a means through which the Company and the other members of the Company Group may attract and retain key personnel, and to provide a means whereby directors, officers, employees, consultants, and advisors of the Company and the other members

As filed with the Securities and Exchange Commission on October 3, 2022

As filed with the Securities and Exchange Commission on October 3, 2022 Registration Statement No.

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): October 3, 2022 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Comm

Filing Fee Table.

EXHIBIT 107 Calculation of Filing Fee Tables FORM S-8 (Form Type) UnitedHealth Group Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered(1) (2) Proposed Maximum Offering Price Per Unit(3) Proposed Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common stock, par value $0.

Optum and Change Healthcare Complete Combination

Exhibit 99.1 Optum and Change Healthcare Complete Combination EDEN PRAIRIE, Minn., Oct. 3, 2022: Optum, a diversified health services company, announced it has completed its combination with Change Healthcare. The combined businesses share a vision for achieving a simpler, more intelligent and adaptive health system for patients, payers and care providers. The combination will connect and simplify

Amended and Restated HCIT Holdings, Inc. 2009 Equity Incentive Plan (incorporated by reference to Exhibit 4.4 to UnitedHealth Group Incorporated’s Registration Statement on Form S-8, SEC File Number 333-267716, filed on October 3, 2022)

Exhibit 4.4 AMENDED AND RESTATED HCIT HOLDINGS, INC. 2009 EQUITY INCENTIVE PLAN Section 1. Purpose. This plan shall be known as the ?Amended and Restated HCIT Holdings, Inc. 2009 Equity Incentive Plan? (the ?Plan?). The purpose of the Plan is to promote the interests of HCIT Holdings, Inc., a Delaware corporation (the ?Company?), its stockholders, and the Company Group by (i) attracting and retain

Power of Attorney.

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ????????????? FORM 8-K ????????????? Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): September 9, 2022 ????????????? UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ????????????? Delaware 1-10864 41-13

As filed with the Securities and Exchange Commission on August 18, 2022

As filed with the Securities and Exchange Commission on August 18, 2022 Registration No.

Filing Fee Table.

Exhibit 107 CALCULATION OF FILING FEE TABLES Form S-8 (Form Type) UnitedHealth Group Incorporated (Exact name of registrant as specified in its charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Equity Common stock, par value $0.

Power of Attorney.

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Rupert M. Bondy, Kuai H. Leong and Faraz A. Choudhry, and each of them, his or her true and lawful attorneys-in-fact and agents, each acting alone, with full power of substitution and resubstitution, to sign, execute and file with the Securities and Exchange Co

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number: 1-10864 UnitedHealth Group Inco

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ????????????? FORM 8-K ????????????? Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): July 15, 2022 ????????????? UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ????????????? Delaware 1-10864 41-132193

UnitedHealth Group Reports Second Quarter 2022 Results

UnitedHealth Group Reports Second Quarter 2022 Results ?Revenues of $80.3 Billion Grew 13% Year-Over-Year, with Double-Digit Growth at both Optum and UnitedHealthcare ?Earnings from Operations were $7.1 Billion, Growth of 19% Year-Over-Year ?Cash Flows from Operations were $6.9 Billion, 1.3x Net Income ?Earnings were $5.34 Per Share, Adjusted Earnings $5.57 Per Share MINNETONKA, Minn. (July 15, 20

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2021 or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission file number: 1-10864 A. Full title of the plan and the a

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ????????????? FORM 8-K ????????????? Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 6, 2022 ????????????? UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ????????????? Delaware 1-10864 41-1321939

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ????????????? FORM 8-K ????????????? Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 31, 2022 ????????????? UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) ????????????? Delaware 1-10864 41-1321939

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defin

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): May 17, 2022 UNITEDHEALTH GROUP INCORPORATED (Exact name of registrant as specified in its charter) Delaware 1-10864 41-1321939 (State or other jurisdiction of incorporation) (Commiss

Officers’ Certificate and Company Order, dated May 20, 2022, relating to the 4.200% Notes due May 15, 2032, pursuant to Sections 201, 301 and 303 of the Indenture dated as of February 4, 2008 (including the form of 4.200% Notes due May 15, 2032)

Exhibit 4.3 UNITEDHEALTH GROUP INCORPORATED $1,500,000,000 4.200% Notes due May 15, 2032 Officers? Certificate and Company Order Pursuant to the Indenture, dated as of February 4, 2008 (the ?Indenture?), between UnitedHealth Group Incorporated, a Delaware corporation (the ?Company?), and U.S. Bank Trust Company, National Association, as trustee (the ?Trustee?), and resolutions adopted by the Compa