UNITEDHEALTH GROUP INC
For the period ended Sep 30, 2025. Filed Oct 28, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Oct 28, 2025
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4. Medical Costs Payable
- Medical Costs Payable
The following table shows the components of the change in medical costs payable for thenine months ended September 30:
| (in millions) | 2025 | 2024 |
|---|---|---|
| Medical costs payable, beginning of period | $34,224 | $32,395 |
| Acquisitions (dispositions), net | 20 | (755) |
| Reported medical costs: | ||
| Current year | 231,984 | 197,750 |
| Prior years | (30) | (600) |
| Total reported medical costs | 231,954 | 197,150 |
| Medical payments: | ||
| Payments for current year | (195,548) | (165,544) |
| Payments for prior years | (30,453) | (29,095) |
| Total medical payments | (226,001) | (194,639) |
| Less: increase in medical costs payable included within businesses held for sale | (16) | (200) |
| Medical costs payable, end of period | $40,181 | $33,951 |
For the nine months ended September 30, 2025 and 2024, prior years’ medical cost reserve development included no individual factors that were significant. Medical costs payable included reserves for claims incurred by consumers but not yet reported to the Company of $27.8 billion and $23.7 billion at September 30, 2025 and December 31, 2024, respectively.
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