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| <xs:element id="unh_A2000NotesDueMay2030Member" abstract="true" name="A2000NotesDueMay2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/> |
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| <xs:element id="unh_CreditFacilityNameDomain" abstract="true" name="CreditFacilityNameDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/> |
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| <xs:element id="unh_FiveYear44BillionCreditFacilityMember" abstract="true" name="FiveYear44BillionCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/> |
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| <xs:element id="unh_InvestmentsGrossUnrealizedLosses" abstract="false" name="InvestmentsGrossUnrealizedLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/> |
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| <xs:element id="unh_A2.875notesdueMarch2023Member" abstract="true" name="A2.875notesdueMarch2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/> |
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| <xs:element id="unh_InvestmentsGrossUnrealizedGains" abstract="false" name="InvestmentsGrossUnrealizedGains" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/> |
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| <xs:element id="unh_A1250NotesDueJanuary2026Member" abstract="true" name="A1250NotesDueJanuary2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/> |
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| </xs:schema> |