Risk factors

UnitedHealth Group (UNH) risk factors

Item 1A of every UnitedHealth Group Incorporated 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    20 risks3 new2 dropped8 reworded

    UnitedHealth Group highlights rising risks from artificial intelligence regulation, software product defects, and provider contract disputes in this year's filing.

    Filed Mar 02, 2026
  • FY2024 10-K risk factors
    19 risks

    UnitedHealth Group's risks are dominated by medical cost estimation, heavy federal and state healthcare regulation, and massive data integrity dependencies. The company carries $130 billion in intangible assets, representing 44% of total consolidated assets, exposing it to impairment risks.

    Filed Feb 27, 2025