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Unitedhealth Group Inc – ‘10-K’ for 12/31/13 – ‘EX-101.SCH’

On:  Wednesday, 2/12/14, at 4:32pm ET   ·   For:  12/31/13   ·   Accession #:  731766-14-8   ·   File #:  1-10864

Previous ‘10-K’:  ‘10-K’ on 2/7/13 for 12/31/12   ·   Next:  ‘10-K’ on 2/10/15 for 12/31/14   ·   Latest:  ‘10-K’ on 2/28/24 for 12/31/23   ·   1 Reference:  By:  UnitedHealth Group Inc. – ‘10-K’ on 2/15/22 for 12/31/21

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

 2/12/14  Unitedhealth Group Inc            10-K       12/31/13  115:25M

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

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   1.48M 
 2: EX-10.2     Material Contract                                   HTML     85K 
 3: EX-10.3     Material Contract                                   HTML     92K 
 4: EX-10.34    Material Contract                                   HTML     79K 
 6: EX-21.1     Subsidiaries List                                   HTML    166K 
 7: EX-23.1     Consent of Experts or Counsel                       HTML     35K 
 8: EX-24.1     Power of Attorney                                   HTML     43K 
 5: EX-12.1     Statement re: Computation of Ratios                 HTML     47K 
 9: EX-31.1     Certification -- §302 - SOA'02                      HTML     50K 
10: EX-32.1     Certification -- §906 - SOA'02                      HTML     39K 
78: R1          Document and Entity Information Document            HTML     65K 
62: R2          Consolidated Balance Sheets                         HTML    145K 
74: R3          Consolidated Balance Sheet (Parenthetical)          HTML     65K 
                Consolidated Balance Sheet (Parenthetical)                       
82: R4          Consolidated Statements of Operations               HTML    114K 
105: R5          Consolidated Statements of Comprehensive Income     HTML     76K  
64: R6          Consolidated Statements of Changes in               HTML     98K 
                Shareholders' Equity                                             
73: R7          Consolidated Statements of Cash Flows               HTML    142K 
56: R8          Description of Business (Notes)                     HTML     37K 
46: R9          Basis of Presentation, Use of Estimates and         HTML    117K 
                Significant Accounting Policies                                  
107: R10         Investments                                         HTML    284K  
84: R11         Fair Value                                          HTML    332K 
83: R12         Property, Plant, and Capitalized Software (Notes)   HTML     58K 
90: R13         Goodwill and Intangible Assets (Notes)              HTML    129K 
91: R14         Medical Cost and Medical Costs Payable              HTML     71K 
88: R15         Commercial Paper and Long-Term Debt                 HTML    249K 
92: R16         Income Taxes (Notes)                                HTML    157K 
75: R17         Shareholders' Equity Shareholder's Equity           HTML     60K 
79: R18         Share-Based Compensation                            HTML    118K 
86: R19         Commitments and Contingencies                       HTML     58K 
115: R20         Segment Financial Information                       HTML    294K  
100: R21         Quarterly Financial Data (Notes)                    HTML     85K  
69: R22         Schedule I (Notes)                                  HTML    194K 
85: R23         Basis of Presentation, Use of Estimates and         HTML    161K 
                Significant Accounting Policies (Policy)                         
71: R24         Fair Value Fair Value (Policies)                    HTML     50K 
37: R25         Income Taxes Income Taxes (Policies)                HTML     42K 
101: R26         Shareholders' Equity Shareholders' Equity           HTML     47K  
                (Policies)                                                       
111: R27         Share-Based Compensation Share-Based Compensation   HTML     49K  
                (Policies)                                                       
51: R28         Segment Financial Information Segment Financial     HTML     43K 
                Information (Policies)                                           
50: R29         Basis of Presentation, Use of Estimates and         HTML     76K 
                Significant Accounting Policies Basis of                         
                Presentation, Use of Estimates and Significant                   
                Accounting Policies (Tables)                                     
54: R30         Investments (Tables)                                HTML    283K 
55: R31         Fair Value (Tables)                                 HTML    324K 
57: R32         Property, Plant, and Capitalized Software (Tables)  HTML     58K 
26: R33         Goodwill and Intangible Assets (Tables)             HTML    127K 
98: R34         Medical Cost and Medical Costs Payable Medical      HTML     72K 
                Cost and Medical Costs Payable (Tables)                          
67: R35         Commercial Paper and Long-Term Debt (Tables)        HTML    253K 
70: R36         Income Taxes (Tables)                               HTML    156K 
41: R37         Shareholders' Equity Shareholder's Equity (Tables)  HTML     43K 
114: R38         Share-Based Compensation (Tables)                   HTML    118K  
17: R39         Commitments and Contingencies Commitments and       HTML     44K 
                Contingencies (Tables)                                           
59: R40         Segment Financial Information (Tables)              HTML    279K 
104: R41         Quarterly Financial Data (Tables)                   HTML     85K  
39: R42         Schedule I (Tables)                                 HTML    198K 
49: R43         Basis of Presentation, Use of Estimates and         HTML     82K 
                Significant Accounting Policies Narrative                        
                (Details)                                                        
53: R44         Basis of Presentation, Use of Estimates and         HTML     40K 
                Significant Accounting Policies Basis of                         
                Presentation, Use of Estimates and Significant                   
                Accounting Policies Medicare Part D (Details)                    
63: R45         Basis of Presentation, Use of Estimates and         HTML     41K 
                Significant Accounting Policies Basis of                         
                Presentation, Use of Estimates and Significant                   
                Accounting Policies Useful lives for property,                   
                equipment and capitalized software (Details)                     
25: R46         Investments (Narrative) (Details)                   HTML     36K 
45: R47         Investments (Short-Term and Long-Term Investments)  HTML     86K 
                (Details)                                                        
19: R48         Investments (Fair Value of Mortgage-Backed          HTML     52K 
                Securities by Credit Rating Origination) (Details)               
103: R49         Investments (Amortized Cost and Fair Value of       HTML     73K  
                Available-for-Sale Debt Securities by Contractual                
                Maturity) (Details)                                              
38: R50         Investments (Amortized Cost and Fair Value of       HTML     65K 
                Held-To-Maturity Debt Securities by Contractual                  
                Maturity) (Details)                                              
99: R51         Investments (Fair Value of Available-For-Sale       HTML     63K 
                Investments with Gross Unrealized Losses by                      
                Investment Type and Length of Time That Individual               
                Securities Have Been in a Continuous Unrealized                  
                Loss Position) (Details)                                         
42: R52         Investments (Net Realized Gains) (Details)          HTML     60K 
60: R53         Fair Value (Narrative) (Details)                    HTML     53K 
18: R54         Fair Value (Financial Assets and Liabilities,       HTML     79K 
                Excluding AARP, Measured at Fair Value on a                      
                Recurring Basis) (Details)                                       
22: R55         Fair Value (Financial Assets and Liabilities,       HTML     54K 
                Excluding AARP, Not Measured at Fair Value on a                  
                Recurring Basis) (Details)                                       
52: R56         Fair Value (Reconciliation of Assets Measured at    HTML     62K 
                Fair Value on a Recurring Basis Using Level 3                    
                Inputs) (Details)                                                
30: R57         Fair Value Fair Value Inputs Assets Quantitative    HTML     42K 
                Information (Details)                                            
108: R58         Fair Value (Assets and Liabilities measured at      HTML     77K  
                fair value on a recurring basis) (Details)                       
66: R59         Property, Plant, and Capitalized Software           HTML     39K 
                (Details)                                                        
89: R60         Property, Plant, and Capitalized Software           HTML     60K 
                Property, Equipment, and Capitalized Software                    
                Property, Equipment, and Capitalized Software                    
                table (Details)                                                  
44: R61         Goodwill and Intangible Assets (Details)            HTML     72K 
47: R62         Goodwill and Intangible Assets Goodwill and         HTML     53K 
                Intangible Assets Changes in the Carrying Amount                 
                of Goodwill by Reporting Segment (Details)                       
96: R63         Goodwill and Intangible Assets Goodwill and         HTML     52K 
                Intangible Assets Gross carrying value,                          
                accumulated amortization and net carrying value of               
                intangible assets (Details)                                      
93: R64         Goodwill and Intangible Assets Goodwill and         HTML     43K 
                Intangible Assets Weighted-average useful lives                  
                assigned to finite-lived intangible assets                       
                acquired in business combinations (Details)                      
68: R65         Goodwill and Intangible Assets Goodwill and         HTML     46K 
                Intangible Assets Amortization Expense relating to               
                Intangible Assets (Details)                                      
95: R66         Medical Cost and Medical Costs Payable (Details)    HTML     35K 
43: R67         Medical Cost and Medical Costs Payable Medical      HTML     54K 
                Costs and Medical Costs Payable Rollforward                      
                (Details)                                                        
72: R68         Commercial Paper and Long-Term Debt (Narrative)     HTML     59K 
                (Details)                                                        
110: R69         Commercial Paper and Long-Term Debt (Details)       HTML    128K  
21: R70         Commercial Paper and Long-Term Debt Maturities of   HTML     48K 
                commercial paper and long-term debt (Details)                    
36: R71         Commercial Paper and Long-Term Debt Balance Sheet   HTML     43K 
                Location of Fair Value Derivatives (Details)                     
61: R72         Commercial Paper and Long-Term Debt Income          HTML     44K 
                Statement Recognition of Fair Value Hedge                        
                (Details)                                                        
28: R73         Income Taxes Narrative (Details)                    HTML     51K 
113: R74         Income Taxes Income Taxes Reconciliation of         HTML     54K  
                Provision for Income Taxes (Details)                             
40: R75         Income Taxes Income Tax Reconciliation of the tax   HTML     79K 
                provision at the U.S. Federal Statutory Rate                     
                (Details)                                                        
31: R76         Income Taxes Income Taxes Components of Deferred    HTML     94K 
                Tax Assets and Liabilities (Details)                             
35: R77         Income Taxes Income Taxes Reconciliation of the     HTML     50K 
                beginning and ending amount of unrecognized tax                  
                benefits (Details)                                               
23: R78         Shareholders' Equity Shareholder's Equity           HTML     67K 
                (Details)                                                        
27: R79         Shareholders' Equity Shareholder's Equity           HTML     38K 
                Dividends (Details)                                              
80: R80         Share-Based Compensation (Narrative) (Details)      HTML     39K 
33: R81         Share-Based Compensation (Stock Option and SAR      HTML     82K 
                Activity) (Details)                                              
109: R82         Share-Based Compensation (Restricted Share          HTML     57K  
                Activity) (Details)                                              
58: R83         Share-Based Compensation Other Share-Based          HTML     63K 
                Compensation Data (Details)                                      
87: R84         Share-Based Compensation (Share-Based Compensation  HTML     52K 
                Principal Fair Value Assumptions) (Details)                      
94: R85         Commitments and Contingencies (Details)             HTML     51K 
32: R86         Commitments and Contingencies Commitments and       HTML     49K 
                Contingencies Future Lease Payments (Details)                    
34: R87         Segment Financial Information Segment Financial     HTML     43K 
                Information (Narrative) (Details)                                
106: R88         Segment Financial Information (Details)             HTML    137K  
29: R89         Quarterly Financial Data Quarterly Financial Data   HTML     61K 
                (Unaudited) (Details)                                            
81: R90         Schedule I (Details)                                HTML     63K 
77: R91         Schedule I Condensed Balance Sheet (Details)        HTML    115K 
97: R92         Schedule I Condensed Balance Sheet (Parenthetical)  HTML     57K 
                (Details)                                                        
76: R93         Schedule I Condensed Income Statement (Details)     HTML     81K 
65: R94         Schedule I Condensed Cash Flow (Details)            HTML    104K 
102: R95         Schedule I Maturities of Commercial Paper and       HTML     48K  
                Long-Term Debt (Details)                                         
112: XML         IDEA XML File -- Filing Summary                      XML    180K  
20: EXCEL       IDEA Workbook of Financial Reports                  XLSX    450K 
48: EXCEL       IDEA Workbook of Financial Reports (.xls)            XLS   4.30M 
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13: EX-101.CAL  XBRL Calculations -- unh-20131231_cal                XML    317K 
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15: EX-101.LAB  XBRL Labels -- unh-20131231_lab                      XML   2.66M 
16: EX-101.PRE  XBRL Presentations -- unh-20131231_pre               XML   1.75M 
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24: ZIP         XBRL Zipped Folder -- 0000731766-14-000008-xbrl      Zip    465K 


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<xsd:element id="unh_CreditFacilityNumberOfDays" name="CreditFacilityNumberOfDays" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="instant"/>
<xsd:element id="unh_DeferredTaxAssetUnrecognizedTaxBenefits" name="DeferredTaxAssetUnrecognizedTaxBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="unh_DeferredTaxAssetsDomesticOther" name="DeferredTaxAssetsDomesticOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="unh_DeferredTaxAssetsForeignOther" name="DeferredTaxAssetsForeignOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="unh_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsForeign" name="DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsForeign" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="unh_DescriptionofBusinessAbstract" name="DescriptionofBusinessAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_DisclosureonGeographicAreasPercentageofLongLivedAssets" name="DisclosureonGeographicAreasPercentageofLongLivedAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_DisclosureonGeographicAreasPercentageofRevenuefromExternalCustomers" name="DisclosureonGeographicAreasPercentageofRevenuefromExternalCustomers" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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<xsd:element abstract="true" id="unh_EmployeeStockPurchasePlanEsppDomain" name="EmployeeStockPurchasePlanEsppDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_EndoscopyCenterOfSouthernNevadaLitigationMember" name="EndoscopyCenterOfSouthernNevadaLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_EquityinNetAssetsofSubsidiaries" name="EquityinNetAssetsofSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<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_ExcludingAmilParticipacoesS.A.Member" name="ExcludingAmilParticipacoesS.A.Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
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<xsd:element abstract="true" id="unh_ExtraordinaryDividendsMember" name="ExtraordinaryDividendsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_FairValueAbstract" name="FairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_FairValueAdjustmentsForAssetsAndLiabilitiesMeasuredAtFairValueOnNonRecurringBasis" name="FairValueAdjustmentsForAssetsAndLiabilitiesMeasuredAtFairValueOnNonRecurringBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
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<xsd:element abstract="true" id="unh_IntercompanyNoteMember" name="IntercompanyNoteMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
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<xsd:element id="unh_LiabilityforClaimsandClaimsAdjustmentExpenseRelatedtoAcquisitions" name="LiabilityforClaimsandClaimsAdjustmentExpenseRelatedtoAcquisitions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
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<xsd:element id="unh_MaximumPercentageOfIndebtednessToTotalNetCapitalBankCovenant" name="MaximumPercentageOfIndebtednessToTotalNetCapitalBankCovenant" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
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<xsd:element id="unh_NumberOfDaysNoticeRequiredToCancelHealthInsuranceContract" name="NumberOfDaysNoticeRequiredToCancelHealthInsuranceContract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_NumberOfYearsOfRevolvingBankCredit" name="NumberOfYearsOfRevolvingBankCredit" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration"/>
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<xsd:element abstract="true" id="unh_PostTrialMotionsReducedOverallAwardMember" name="PostTrialMotionsReducedOverallAwardMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
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<xsd:element id="unh_PropertyPlantandEquipmentExcludingCapitalizedComputerSoftwareNet" name="PropertyPlantandEquipmentExcludingCapitalizedComputerSoftwareNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
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<xsd:element abstract="true" id="unh_QuarterlyFinancialDataUnauditedAbstract" name="QuarterlyFinancialDataUnauditedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_RSFAssetsUnderManagementAARPMember" name="RSFAssetsUnderManagementAARPMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
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<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_ReclassificationofDebtfromShortTermtoLongTermMember" name="ReclassificationofDebtfromShortTermtoLongTermMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
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<xsd:element id="unh_ScheduleOfOtherCurrentReceivablesAndOtherPolicyLiabilitiesAssociatedWithMedicarePartDProgramTableTextBlock" name="ScheduleOfOtherCurrentReceivablesAndOtherPolicyLiabilitiesAssociatedWithMedicarePartDProgramTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
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<xsd:element id="unh_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedForfeitures" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedForfeitures" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_SharebasedCompensationArrangementbySharebasedPaymentPlanAwardOptionsAwardExercisablePeriod" name="SharebasedCompensationArrangementbySharebasedPaymentPlanAwardOptionsAwardExercisablePeriod" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" 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 id="unh_ShareholdersRighttoPutinYearFour" name="ShareholdersRighttoPutinYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="instant"/>
<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_StepAcquisitionAxis" name="StepAcquisitionAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StepAcquisitionDomain" name="StepAcquisitionDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StepAquisitionAxis" name="StepAquisitionAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StepAquisitionDomain" name="StepAquisitionDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StepFourMember" name="StepFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StepOneMember" name="StepOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_StepTwoMember" name="StepTwoMember" 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_SuretyBondsOutstanding" name="SuretyBondsOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<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_TotalRevenuesMember" name="TotalRevenuesMember" 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_TwoThousandElevenMember" name="TwoThousandElevenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TwoThousandNineMember" name="TwoThousandNineMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TwoThousandTenMember" name="TwoThousandTenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TwoThousandThirteenMember" name="TwoThousandThirteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="unh_TwoThousandTwelveMember" name="TwoThousandTwelveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="unh_UndrawnLettersOfCredit" name="UndrawnLettersOfCredit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<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>


1 Subsequent Filing that References this Filing

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

 2/15/22  UnitedHealth Group Inc.           10-K       12/31/21  113:19M
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