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Unitedhealth Group Inc – ‘10-Q’ for 9/30/15 – ‘EX-101.SCH’

On:  Thursday, 11/5/15, at 4:05pm ET   ·   For:  9/30/15   ·   Accession #:  731766-15-49   ·   File #:  1-10864

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  As Of               Filer                 Filing    For·On·As Docs:Size

11/05/15  Unitedhealth Group Inc            10-Q        9/30/15   84:13M

Quarterly Report   —   Form 10-Q   —   Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-Q        Quarterly Report                                    HTML    867K 
 2: EX-10.2     Material Contract                                   HTML     40K 
 3: EX-10.3     Material Contract                                   HTML     31K 
 4: EX-10.4     Material Contract                                   HTML     75K 
 5: EX-10.5     Material Contract                                   HTML     77K 
 6: EX-10.6     Material Contract                                   HTML     75K 
 7: EX-12.1     Statement re: Computation of Ratios                 HTML     35K 
 8: EX-31.1     Certification -- §302 - SOA'02                      HTML     40K 
 9: EX-32.1     Certification -- §906 - SOA'02                      HTML     29K 
56: R1          Document and Entity Information Document            HTML     43K 
44: R2          Condensed Consolidated Balance Sheets               HTML    129K 
54: R3          Condensed Consolidated Balance Sheet                HTML     44K 
                (Parenthetical)                                                  
58: R4          Condensed Consolidated Statements of Operations     HTML    101K 
78: R5          Condensed Consolidated Statements of Comprehensive  HTML     66K 
                Income                                                           
46: R6          Condesned Consolidated Statements of Changes in     HTML     90K 
                Equity                                                           
53: R7          Condensed Consolidated Statements of Cash Flows     HTML    118K 
40: R8          Basis of Presentation (Notes)                       HTML     34K 
31: R9          Business Combination (Notes)                        HTML     52K 
79: R10         Goodwill and Other Intangible Assets (Notes)        HTML     64K 
60: R11         Investments (Notes)                                 HTML    255K 
59: R12         Fair Value (Notes)                                  HTML    336K 
65: R13         Medicare Part D Pharmacy Benefits (Notes)           HTML     42K 
66: R14         Medical Costs Reserve Development (Notes)           HTML     38K 
63: R15         Health Insurance Industry Tax (Notes)               HTML     28K 
67: R16         Commercial Paper and Long-Term Debt (Notes)         HTML    240K 
55: R17         Shareholders' Equity (Notes)                        HTML     43K 
57: R18         Share-Based Compensation (Notes)                    HTML    109K 
62: R19         Commitments and Contingencies (Notes)               HTML     39K 
84: R20         Segment Financial Information (Notes)               HTML    326K 
74: R21         Basis of Presentation (Policies)                    HTML     37K 
50: R22         Goodwill and Other Intangible Assets Goodwill and   HTML     28K 
                Other Intangible Assets (Policies)                               
61: R23         Business Combination (Tables)                       HTML     44K 
52: R24         Goodwill and Other Intangible Assets (Tables)       HTML     66K 
24: R25         Investments (Tables)                                HTML    256K 
75: R26         Fair Value (Tables)                                 HTML    339K 
81: R27         Medicare Part D Pharmacy Benefits (Tables)          HTML     39K 
35: R28         Medical Costs Reserve Development (Tables)          HTML     36K 
34: R29         Commercial Paper and Long-Term Debt (Tables)        HTML    241K 
38: R30         Shareholders' Equity (Tables)                       HTML     32K 
39: R31         Share-Based Compensation (Tables)                   HTML    112K 
41: R32         Segment Financial Information (Tables)              HTML    321K 
22: R33         Business Combination (Details)                      HTML     60K 
71: R34         Business Combination Acquired Assets and            HTML     43K 
                Liabilities (Details)                                            
48: R35         Business Combination Acquired finite-lived          HTML     35K 
                intangible assets (Details)                                      
51: R36         Goodwill and Other Intangible Assets Goodwill       HTML     44K 
                Rollforward (Details)                                            
27: R37         Goodwill and Other Intangible Assets Future         HTML     35K 
                Amortization Expense relating to Intangible Assets               
                (Details)                                                        
83: R38         Investments (Narrative) (Details)                   HTML     28K 
16: R39         Investments (Short-Term and Long-Term Investments)  HTML     92K 
                (Details)                                                        
42: R40         Investments (Amortized Cost and Fair Value of       HTML     71K 
                Available-for-Sale Debt Securities by Contractual                
                Maturity) (Details)                                              
77: R41         Investments (Amortized Cost and Fair Value of       HTML     57K 
                Held-To-Maturity Debt Securities by Contractual                  
                Maturity) (Details)                                              
26: R42         Investments (Fair Value of Available-For-Sale       HTML     69K 
                Investments with Gross Unrealized Losses by                      
                Investment Type and Length of Time That Individual               
                Securities Have Been in a Continuous Unrealized                  
                Loss Position) (Details)                                         
33: R43         Investments (Net Realized Gains) (Details)          HTML     51K 
37: R44         Fair Value (Narrative) (Details)                    HTML     50K 
45: R45         Fair Value (Financial Assets and Liabilities,       HTML     92K 
                Excluding AARP, Measured at Fair Value on a                      
                Recurring Basis) (Details)                                       
21: R46         Fair Value (Financial Assets and Liabilities,       HTML     86K 
                Excluding AARP, Not Measured at Fair Value on a                  
                Recurring Basis) (Details)                                       
30: R47         Fair Value (Reconciliation of Assets Measured at    HTML     50K 
                Fair Value on a Recurring Basis Using Level 3                    
                Inputs) (Details)                                                
18: R48         Fair Value Fair Value Inputs Assets Quantitative    HTML     45K 
                Information (Details)                                            
76: R49         Fair Value (Assets and Liabilities measured at      HTML    108K 
                fair value on a recurring basis) (Details)                       
25: R50         Medicare Part D Pharmacy Benefits Schedule of       HTML     33K 
                Receivables and Payables (Details)                               
73: R51         Medical Costs Reserve Development (Details)         HTML     29K 
28: R52         Health Insurance Industry Tax (Details)             HTML     29K 
43: R53         Commercial Paper and Long-Term Debt (Narrative)     HTML     73K 
                (Details)                                                        
17: R54         Commercial Paper and Long-Term Debt (Details)       HTML    179K 
20: R55         Commercial Paper and Long-Term Debt Fair Value      HTML     38K 
                Hedges Statement of Financial Position Location                  
                (Details)                                                        
36: R56         Commercial Paper and Long-Term Debt Fair Value      HTML     38K 
                Hedges Effect of Changes in Fair Value Hedges on                 
                Income (Details)                                                 
23: R57         Shareholders' Equity (Details)                      HTML     35K 
80: R58         Shareholders' Equity Dividends Paid (Details)       HTML     30K 
47: R59         Share-based Compensation Narrative (Details)        HTML     30K 
64: R60         Share-Based Compensation (Stock Option and SAR      HTML     72K 
                Activity) (Details)                                              
29: R61         Share-Based Compensation (Restricted Share          HTML     43K 
                Activity) (Details)                                              
32: R62         Share-Based Compensation Other Share-Based          HTML     53K 
                Compensation Data (Details)                                      
70: R63         Share-Based Compensation (Share-Based Compensation  HTML     46K 
                Principal Fair Value Assumptions) (Details)                      
68: R64         Commitments and Contingencies (Details)             HTML     40K 
49: R65         Segment Financial Information (Narrative)           HTML     32K 
                (Details)                                                        
69: R66         Segment Financial Information (Details)             HTML    114K 
82: XML         IDEA XML File -- Filing Summary                      XML    149K 
19: EXCEL       IDEA Workbook of Financial Reports                  XLSX     91K 
10: EX-101.INS  XBRL Instance -- unh-20150930                        XML   5.30M 
12: EX-101.CAL  XBRL Calculations -- unh-20150930_cal                XML    240K 
13: EX-101.DEF  XBRL Definitions -- unh-20150930_def                 XML   1.07M 
14: EX-101.LAB  XBRL Labels -- unh-20150930_lab                      XML   1.88M 
15: EX-101.PRE  XBRL Presentations -- unh-20150930_pre               XML   1.23M 
11: EX-101.SCH  XBRL Schema -- unh-20150930                          XSD    184K 
72: ZIP         XBRL Zipped Folder -- 0000731766-15-000049-xbrl      Zip    316K 


‘EX-101.SCH’   —   XBRL Schema — unh-20150930


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<link:definition> 2435402 - Disclosure - Medicare Part D Pharmacy Benefits (Details) </link:definition>
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<link:definition> 2135100 - Disclosure - Medicare Part D Pharmacy Benefits (Notes) </link:definition>
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<link:definition> 2442402 - Disclosure - Segment Financial Information (Narrative) (Details) </link:definition>
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<link:definition> 2142100 - Disclosure - Segment Financial Information (Notes) </link:definition>
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<link:definition> 2440402 - Disclosure - Share-based Compensation Narrative (Details) </link:definition>
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<link:definition> 2440405 - Disclosure - Share-Based Compensation Other Share-Based Compensation Data (Details) </link:definition>
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<xsd:element id="unh_CashDividendAnnualRatePerShare" name="CashDividendAnnualRatePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="unh_CatamaranMember" name="CatamaranMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_CmsSubsidiesMember" name="CmsSubsidiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_CommercialPaperandLongTermDebtAbstract" name="CommercialPaperandLongTermDebtAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_ComparableCompaniesMember" name="ComparableCompaniesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_CorporateandEliminationsMember" name="CorporateandEliminationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_CreditFacilityNameAxis" name="CreditFacilityNameAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_CreditFacilityNameDomain" name="CreditFacilityNameDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_CreditFacilityNumberOfDays" name="CreditFacilityNumberOfDays" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_DelayedDrawTermLoanMember" name="DelayedDrawTermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_DrugDiscountMember" name="DrugDiscountMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_EstimatedLargestAggregatePenaltyIssuedByCdi" name="EstimatedLargestAggregatePenaltyIssuedByCdi" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="unh_ExternalCustomersMember" name="ExternalCustomersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis" name="FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FineImposedDomain" name="FineImposedDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember" name="FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member" name="FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember" name="FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FivePointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2016Member" name="FivePointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FivePointThreeSixPercentSeniorUnsecuredNotesDueNovember2016Member" name="FivePointThreeSixPercentSeniorUnsecuredNotesDueNovember2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FiveYear30BillionCreditFacilityMember" name="FiveYear30BillionCreditFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FloatingRateUnsecuredNotesdueJanuary2017Member" name="FloatingRateUnsecuredNotesdueJanuary2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FourPointEightSevenFivePercentSeniorUnsecuredNotesDueMarch2015Member" name="FourPointEightSevenFivePercentSeniorUnsecuredNotesDueMarch2015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember" name="FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member" name="FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member" name="FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_GoodwillandOtherIntangibleAssetsAbstract" name="GoodwillandOtherIntangibleAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HealthInsuranceIndustryTaxAbstract" name="HealthInsuranceIndustryTaxAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HealthInsuranceIndustryTaxLineItems" name="HealthInsuranceIndustryTaxLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HealthInsuranceIndustryTaxTable" name="HealthInsuranceIndustryTaxTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_HealthInsuranceIndustryTaxTextBlock" name="HealthInsuranceIndustryTaxTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HealthReformAxis" name="HealthReformAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HealthReformDomain" name="HealthReformDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HedgedItemAxis" name="HedgedItemAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_HedgedItemDomain" name="HedgedItemDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_IndustryTaxMember" name="IndustryTaxMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_IntersegmentMember" name="IntersegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_InvestmentsAmortizedCost" name="InvestmentsAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="unh_InvestmentsGrossUnrealizedGains" name="InvestmentsGrossUnrealizedGains" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element id="unh_InvestmentsGrossUnrealizedLosses" name="InvestmentsGrossUnrealizedLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="unh_MarketApproachAxis" name="MarketApproachAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_MarketApproachDomain" name="MarketApproachDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_MaximumPercentageOfIndebtednessToTotalNetCapitalBankCovenant" name="MaximumPercentageOfIndebtednessToTotalNetCapitalBankCovenant" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="unh_MedicalCostDevelopmentDisclosureTextBlock" name="MedicalCostDevelopmentDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_MedicalCostsReserveDevelopmentAbstract" name="MedicalCostsReserveDevelopmentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_MedicarePartDAbstract" name="MedicarePartDAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_MedicarePartDPharmacyBenefitsContractAxis" name="MedicarePartDPharmacyBenefitsContractAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_MedicarePartDPharmacyBenefitsContractDomain" name="MedicarePartDPharmacyBenefitsContractDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_MedicarePartDPharmacyBenefitsContractTextBlock" name="MedicarePartDPharmacyBenefitsContractTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_NumberOfBanksThatCompriseRevolvingBankCreditFacility" name="NumberOfBanksThatCompriseRevolvingBankCreditFacility" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
<xsd:element id="unh_NumberOfYearsOfRevolvingBankCredit" name="NumberOfYearsOfRevolvingBankCredit" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_OnePointEightSevenFivePercentSeniorUnsecuredNotesDueNovember2016Member" name="OnePointEightSevenFivePercentSeniorUnsecuredNotesDueNovember2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_OptumhealthMember" name="OptumhealthMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_OptuminsightMember" name="OptuminsightMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_OptumrxMember" name="OptumrxMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_OtherShareBasedCompensationDataAbstract" name="OtherShareBasedCompensationDataAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_PeopleServed" name="PeopleServed" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="unh_RecentTransactionsMember" name="RecentTransactionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_RecommendationbyAdministrativeLawJudgeAxis" name="RecommendationbyAdministrativeLawJudgeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_RiskShareMember" name="RiskShareMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_ScheduleOfOtherCurrentReceivablesAndOtherPolicyLiabilitiesAssociatedWithMedicarePartDProgramTableTextBlock" name="ScheduleOfOtherCurrentReceivablesAndOtherPolicyLiabilitiesAssociatedWithMedicarePartDProgramTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SeniorUnsecuredFloatingRateNotesDueDecember2016Member" name="SeniorUnsecuredFloatingRateNotesDueDecember2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedForfeitures" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedForfeitures" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_ShareholdersEquityAbstract" name="ShareholdersEquityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SixPercentSeniorUnsecuredNotesDueJuneTwoThousandSeventeenMember" name="SixPercentSeniorUnsecuredNotesDueJuneTwoThousandSeventeenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member" name="SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SixPointFivePercentSeniorUnsecuredNotesDueJuneTwoThousandThirtySevenMember" name="SixPointFivePercentSeniorUnsecuredNotesDueJuneTwoThousandThirtySevenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SixPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2037Member" name="SixPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2037Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SixPointZeroPercentSeniorUnsecuredNotesDueNovember2017Member" name="SixPointZeroPercentSeniorUnsecuredNotesDueNovember2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember" name="SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StockOptionsAndSarsMemberMember" name="StockOptionsAndSarsMemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_SupplementalInformationForCurrentYearClaimsandClaimsAdjustmentExpense" name="SupplementalInformationForCurrentYearClaimsandClaimsAdjustmentExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="unh_SupplementalInformationForPriorYearClaimsandClaimsAdjustmentExpense" name="SupplementalInformationForPriorYearClaimsandClaimsAdjustmentExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TerminatedInterestRateSwapsMember" name="TerminatedInterestRateSwapsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member" name="ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member" name="ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_TotalNumberOfSecurityPositions" name="TotalNumberOfSecurityPositions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="unh_TotalOptumMember" name="TotalOptumMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TrademarksandTechnologyMember" name="TrademarksandTechnologyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member" name="TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_UnitedhealthcareMember" name="UnitedhealthcareMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_ZeroCouponSeniorUnsecuredNotesDueNovemberTwoThousandTwentyTwoMember" name="ZeroCouponSeniorUnsecuredNotesDueNovemberTwoThousandTwentyTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
</xsd:schema>


4 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/28/24  UnitedHealth Group Inc.           10-K       12/31/23  119:19M
 2/24/23  UnitedHealth Group Inc.           10-K       12/31/22  119:19M
 2/15/22  UnitedHealth Group Inc.           10-K       12/31/21  113:19M
 3/01/21  UnitedHealth Group Inc.           10-K       12/31/20  107:17M
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