Cost EfficiencyAI and digital engagement are driving reductions across medical and G&A costs, indicating potential for significant savings.
Earnings GrowthDespite significant MLR increases in the last 3 years, UNH is expecting to grow its operating income by 35% in 2025 vs 2022.
Market PositionUNH is best positioned to benefit from multiple recovery trends in MCO, limiting policy uncertainty in areas of PBM and Medicaid.