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Unitedhealth Group Inc – ‘10-K’ for 12/31/18 – ‘EX-101.LAB’

On:  Tuesday, 2/12/19, at 5:16pm ET   ·   For:  12/31/18   ·   Accession #:  731766-19-5   ·   File #:  1-10864

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

 2/12/19  Unitedhealth Group Inc            10-K       12/31/18  104:17M

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   1.32M 
 2: EX-10.1     Material Contract                                   HTML     98K 
 3: EX-10.26    Material Contract                                   HTML     37K 
 4: EX-10.50    Material Contract                                   HTML     72K 
 5: EX-21.1     Subsidiaries List                                   HTML    278K 
 6: EX-23.1     Consent of Experts or Counsel                       HTML     31K 
 7: EX-24.1     Power of Attorney                                   HTML     38K 
 8: EX-31.1     Certification -- §302 - SOA'02                      HTML     45K 
 9: EX-32.1     Certification -- §906 - SOA'02                      HTML     34K 
16: R1          Document and Entity Information Document            HTML     65K 
17: R2          Consolidated Balance Sheets                         HTML    131K 
18: R3          Consolidated Balance Sheet (Parenthetical)          HTML     57K 
19: R4          Consolidated Statements of Operations               HTML    106K 
20: R5          Consolidated Statements of Comprehensive Income     HTML     75K 
21: R6          Consolidated Statements of Changes in Equity        HTML    109K 
22: R7          Consolidated Statement of Changes in Equity         HTML     32K 
                (Parentheticals)                                                 
23: R8          Consolidated Statements of Cash Flows               HTML    131K 
24: R9          Description of Business (Notes)                     HTML     31K 
25: R10         Basis of Presentation, Uses of Estimates and        HTML     94K 
                Significant Accounting Policies (Notes)                          
26: R11         Investments (Notes)                                 HTML    217K 
27: R12         Fair Value (Notes)                                  HTML    150K 
28: R13         Property, Plant, and Capitalized Software (Notes)   HTML     53K 
29: R14         Goodwill and Intangible Assets (Notes)              HTML    114K 
30: R15         Medical Costs Payable (Notes)                       HTML     80K 
31: R16         Commercial Paper and Long-Term Debt (Notes)         HTML    248K 
32: R17         Income Taxes (Notes)                                HTML    157K 
33: R18         Shareholders' Equity (Notes)                        HTML     49K 
34: R19         Share-Based Compensation (Notes)                    HTML    111K 
35: R20         Commitments and Contingencies (Notes)               HTML     49K 
36: R21         Segment Financial Information (Notes)               HTML    307K 
37: R22         Quarterly Financial Data (Unaudited) (Notes)        HTML     81K 
38: R23         Schedule I (Notes)                                  HTML    201K 
39: R24         Basis of Presentation, Uses of Estimates and        HTML    156K 
                Significant Accounting Policies (Policies)                       
40: R25         Fair Value Fair Value (Policies)                    HTML     43K 
41: R26         Schedule I (Policies)                               HTML    120K 
42: R27         Basis of Presentation, Uses of Estimates and        HTML     70K 
                Significant Accounting Policies (Tables)                         
43: R28         Investments (Tables)                                HTML    213K 
44: R29         Fair Value (Tables)                                 HTML    142K 
45: R30         Property, Plant, and Capitalized Software (Tables)  HTML     51K 
46: R31         Goodwill and Intangible Assets (Tables)             HTML    121K 
47: R32         Medical Costs Payable (Tables)                      HTML     82K 
48: R33         Commercial Paper and Long-Term Debt (Tables)        HTML    250K 
49: R34         Income Taxes (Tables)                               HTML    159K 
50: R35         Shareholders' Equity (Tables)                       HTML     48K 
51: R36         Share-Based Compensation (Tables)                   HTML    114K 
52: R37         Commitments and Contingencies (Tables)              HTML     40K 
53: R38         Segment Financial Information (Tables)              HTML    298K 
54: R39         Quarterly Financial Data (Unaudited) (Tables)       HTML     81K 
55: R40         Schedule I (Tables)                                 HTML    207K 
56: R41         Basis of Presentation, Uses of Estimates and        HTML     89K 
                Significant Accounting Policies (Details)                        
57: R42         Basis of Presentation, Uses of Estimates and        HTML     42K 
                Significant Accounting Policies Useful lives for                 
                property, equipment and capitalized software                     
                (Details)                                                        
58: R43         Basis of Presentation, Uses of Estimates and        HTML     55K 
                Significant Accounting Policies Redeemable                       
                Noncontrolling Interests (Details)                               
59: R44         Investments (Narrative) (Details)                   HTML     42K 
60: R45         Investments (Short-Term and Long-Term Investments)  HTML     81K 
                (Details)                                                        
61: R46         Investments (Amortized Cost and Fair Value of       HTML    103K 
                Available-for-Sale Debt Securities by Contractual                
                Maturity) (Details)                                              
62: R47         Investments (Fair Value of Available-For-Sale       HTML     66K 
                Investments with Gross Unrealized Losses by                      
                Investment Type and Length of Time That Individual               
                Securities Have Been in a Continuous Unrealized                  
                Loss Position) (Details)                                         
63: R48         Fair Value (Narrative) (Details)                    HTML     39K 
64: R49         Fair Value (Financial Assets and Liabilities,       HTML     90K 
                Measured at Fair Value on a Recurring Basis)                     
                (Details)                                                        
65: R50         Fair Value (Financial Assets and Liabilities, Not   HTML     55K 
                Measured at Fair Value on a Recurring Basis)                     
                (Details)                                                        
66: R51         Property, Plant, and Capitalized Software           HTML     35K 
                (Narrative) (Details)                                            
67: R52         Property, Plant, and Capitalized Software Property  HTML     55K 
                Plant and Equipment Table (Details)                              
68: R53         Goodwill and Intangible Assets (Narrative)          HTML     33K 
                (Details)                                                        
69: R54         Goodwill and Intangible Assets Changes in the       HTML     50K 
                Carrying Amount of Goodwill by Reporting Segment                 
                (Details)                                                        
70: R55         Goodwill and Intangible Assets Gross carrying       HTML     49K 
                value, accumulated amortization and net carrying                 
                value of intangible assets (Details)                             
71: R56         Goodwill and Intangible Assets Weighted-average     HTML     42K 
                useful lives assigned to finite-lived intangible                 
                assets acquired in business combinations (Details)               
72: R57         Goodwill and Intangible Assets Amortization         HTML     42K 
                Expense relating to Intangible Assets (Details)                  
73: R58         Medical Costs Payable (Narrative) (Details)         HTML     30K 
74: R59         Medical Costs Payable Rollforward (Details)         HTML     54K 
75: R60         Medical Costs Payable, Incurred and Paid Medical    HTML     45K 
                Cost Development (Details)                                       
76: R61         Commercial Paper and Long-Term Debt (Narrative)     HTML     60K 
                (Details)                                                        
77: R62         Commercial Paper and Long-Term Debt (Details)       HTML    201K 
78: R63         Commercial Paper and Long-Term Debt Maturities of   HTML     47K 
                commercial paper and long-term debt (Details)                    
79: R64         Income Taxes (Narrative) (Details)                  HTML     64K 
80: R65         Income Taxes Reconciliation of Provision for        HTML     48K 
                Income Taxes (Details)                                           
81: R66         Income Tax Reconciliation of the tax provision at   HTML     85K 
                the U.S. Federal Statutory Rate (Details)                        
82: R67         Income Taxes Components of Deferred Tax Assets and  HTML     83K 
                Liabilities (Details)                                            
83: R68         Income Taxes Reconciliation of the beginning and    HTML     45K 
                ending amount of unrecognized tax benefits                       
                (Details)                                                        
84: R69         Shareholders' Equity (Narrative) (Details)          HTML     42K 
85: R70         Shareholders' Equity Share Repurchases (Details)    HTML     41K 
86: R71         Share-Based Compensation (Narrative) (Details)      HTML     37K 
87: R72         Share-Based Compensation (Stock Option and SAR      HTML     79K 
                Activity) (Details)                                              
88: R73         Share-Based Compensation (Restricted Share          HTML     48K 
                Activity) (Details)                                              
89: R74         Share-Based Compensation Other Share-Based          HTML     63K 
                Compensation Data (Details)                                      
90: R75         Share-Based Compensation (Share-Based Compensation  HTML     49K 
                Principal Fair Value Assumptions) (Details)                      
91: R76         Commitments and Contingencies (Narrative)           HTML     37K 
                (Details)                                                        
92: R77         Commitments and Contingencies Future Lease          HTML     47K 
                Payments (Details)                                               
93: R78         Segment Financial Information (Narrative)           HTML     44K 
                (Details)                                                        
94: R79         Segment Financial Information (Details)             HTML    124K 
95: R80         Quarterly Financial Data (Unaudited) (Details)      HTML     69K 
96: R81         Schedule I (Details)                                HTML     42K 
97: R82         Schedule I Condensed Balance Sheets (Details)       HTML    112K 
98: R83         Schedule I Balance Sheet Document (Details)         HTML     51K 
99: R84         Schedule I Condensed Statement of Comprehensive     HTML     72K 
                Income (Details)                                                 
100: R85         Schedule I Statement of Cash Flows (Details)        HTML    107K  
101: R86         Schedule I Maturities of Commercial Paper and       HTML     51K  
                Long-Term Debt (Details)                                         
103: XML         IDEA XML File -- Filing Summary                      XML    191K  
102: EXCEL       IDEA Workbook of Financial Reports                  XLSX    129K  
10: EX-101.INS  XBRL Instance -- unh-20181231                        XML   5.55M 
12: EX-101.CAL  XBRL Calculations -- unh-20181231_cal                XML    302K 
13: EX-101.DEF  XBRL Definitions -- unh-20181231_def                 XML   1.41M 
14: EX-101.LAB  XBRL Labels -- unh-20181231_lab                      XML   2.33M 
15: EX-101.PRE  XBRL Presentations -- unh-20181231_pre               XML   1.62M 
11: EX-101.SCH  XBRL Schema -- unh-20181231                          XSD    221K 
104: ZIP         XBRL Zipped Folder -- 0000731766-19-000005-xbrl      Zip    400K

‘EX-101.LAB’   —   XBRL Labels — unh-20181231_lab

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<link:label id="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C_terseLabel_en-US" xlink:label="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Unaffiliated Customers </link:label>
<link:label id="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C_label_en-US" xlink:label="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> External Customers [Member] </link:label>
<link:label id="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C_documentation_en-US" xlink:label="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> External Customers [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_ExternalCustomersMember" xlink:label="loc_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C" xlink:to="lab_unh_ExternalCustomersMember_93718D1F97CEF2579BDA8655AC12CC6C" xlink:type="arc"/>
<link:label id="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336_terseLabel_en-US" xlink:label="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Affiliated Customers </link:label>
<link:label id="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336_label_en-US" xlink:label="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Intersegment [Member] </link:label>
<link:label id="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336_documentation_en-US" xlink:label="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Intersegment [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_IntersegmentMember" xlink:label="loc_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336" xlink:to="lab_unh_IntersegmentMember_F35D026C9BF7D63182708655AC12D336" xlink:type="arc"/>
<link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906_terseLabel_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Segments [Axis] </link:label>
<link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906_label_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Segments [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906" xlink:to="lab_us-gaap_StatementBusinessSegmentsAxis_9999A26038DCAA5B82208655AC129906" xlink:type="arc"/>
<link:label id="lab_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Segments [Domain] </link:label>
<link:label id="lab_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B_label_en-US" xlink:label="lab_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Segments [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_SegmentDomain" xlink:label="loc_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B" xlink:to="lab_us-gaap_SegmentDomain_70CFE639AB27D3484E318655AC131E4B" xlink:type="arc"/>
<link:label id="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F_terseLabel_en-US" xlink:label="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> UnitedHealthcare </link:label>
<link:label id="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F_label_en-US" xlink:label="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Unitedhealthcare [Member] </link:label>
<link:label id="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F_documentation_en-US" xlink:label="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> UnitedHealthcare [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_UnitedhealthcareMember" xlink:label="loc_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F" xlink:to="lab_unh_UnitedhealthcareMember_6BEF0FFC6C34C918FE3B8655AC132B7F" xlink:type="arc"/>
<link:label id="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2_terseLabel_en-US" xlink:label="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Optum </link:label>
<link:label id="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2_label_en-US" xlink:label="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Total Optum [Member] </link:label>
<link:label id="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2_documentation_en-US" xlink:label="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> total [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_TotalOptumMember" xlink:label="loc_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2" xlink:to="lab_unh_TotalOptumMember_34025B82DE130D4DD86A8655AC13D8C2" xlink:type="arc"/>
<link:label id="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7_terseLabel_en-US" xlink:label="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> OptumHealth </link:label>
<link:label id="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7_label_en-US" xlink:label="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Optumhealth [Member] </link:label>
<link:label id="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7_documentation_en-US" xlink:label="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> OptumHealth Member </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_OptumhealthMember" xlink:label="loc_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7" xlink:to="lab_unh_OptumhealthMember_7B419FAE58A4D61EC0A48655AC14D9C7" xlink:type="arc"/>
<link:label id="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288_terseLabel_en-US" xlink:label="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> OptumInsight </link:label>
<link:label id="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288_label_en-US" xlink:label="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Optuminsight [Member] </link:label>
<link:label id="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288_documentation_en-US" xlink:label="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> OptumInsight [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_OptuminsightMember" xlink:label="loc_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288" xlink:to="lab_unh_OptuminsightMember_CBB217ACCB56D314F2D68655AC143288" xlink:type="arc"/>
<link:label id="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA_terseLabel_en-US" xlink:label="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> OptumRx </link:label>
<link:label id="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA_label_en-US" xlink:label="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Optumrx [Member] </link:label>
<link:label id="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA_documentation_en-US" xlink:label="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> OptumRx [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_OptumrxMember" xlink:label="loc_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA" xlink:to="lab_unh_OptumrxMember_48DBB4AF1B6B95A4E8DD8655AC14C3CA" xlink:type="arc"/>
<link:label id="lab_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Statement [Line Items] </link:label>
<link:label id="lab_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362_label_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Segment Reporting Information [Line Items] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362" xlink:to="lab_us-gaap_SegmentReportingInformationLineItems_ADA03A1AEDED6616CD9A8655AC142362" xlink:type="arc"/>
<link:label id="lab_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7_verboseLabel_en-US" xlink:label="lab_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Premiums, revenues - unaffiliated customers </link:label>
<link:label id="lab_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7_label_en-US" xlink:label="lab_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Premiums Earned, Net </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="loc_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7" xlink:to="lab_us-gaap_PremiumsEarnedNet_711E4E158C2D0A7AB6508655AC1435A7" xlink:type="arc"/>
<link:label id="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E_verboseLabel_en-US" xlink:label="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Products, revenues - unaffiliated customers </link:label>
<link:label id="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E_label_en-US" xlink:label="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Sales Revenue Products, Net </link:label>
<link:label id="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E_documentation_en-US" xlink:label="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Aggregate revenue during the period from the sale of goods in the normal course of business, after deducting returns, allowances and discounts. </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_SalesRevenueProductsNet" xlink:label="loc_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E" xlink:to="lab_unh_SalesRevenueProductsNet_CBE0EE10B25ED9FDAD6C8655AC153F2E" xlink:type="arc"/>
<link:label id="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82_verboseLabel_en-US" xlink:label="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Services, revenues - unaffiliated customers </link:label>
<link:label id="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82_label_en-US" xlink:label="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Sales Revenues Services, Net </link:label>
<link:label id="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82_documentation_en-US" xlink:label="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Aggregate revenue during the period from services rendered in the normal course of business, after deducting allowances and discounts. </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_SalesRevenuesServicesNet" xlink:label="loc_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82" xlink:to="lab_unh_SalesRevenuesServicesNet_EC9B4F0BECF2F470E7C58655AC158B82" xlink:type="arc"/>
<link:label id="lab_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Investment and other income </link:label>
<link:label id="lab_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2_label_en-US" xlink:label="lab_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Investment Income, Interest and Dividend </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_InvestmentIncomeInterestAndDividend" xlink:label="loc_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2" xlink:to="lab_us-gaap_InvestmentIncomeInterestAndDividend_223252D4D92E3D1666958655AC15A8F2" xlink:type="arc"/>
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<link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_A23C4C1A4370806EEFD99B8D72902616_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_A23C4C1A4370806EEFD99B8D72902616" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Noncash items: </link:label>
<link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_A23C4C1A4370806EEFD99B8D72902616_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_A23C4C1A4370806EEFD99B8D72902616" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_A23C4C1A4370806EEFD99B8D72902616" xlink:type="locator"/>
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<link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_783CBAA8E1CE835C594F9B8D72918558_verboseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_783CBAA8E1CE835C594F9B8D72918558" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Deferred income taxes </link:label>
<link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_783CBAA8E1CE835C594F9B8D72918558_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_783CBAA8E1CE835C594F9B8D72918558" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Deferred Income Tax Expense (Benefit) </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_783CBAA8E1CE835C594F9B8D72918558" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ShareBasedCompensation_93AE0E9ABC9C6E587E319B8D72915ED4_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation_93AE0E9ABC9C6E587E319B8D72915ED4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Share-based compensation </link:label>
<link:label id="lab_us-gaap_ShareBasedCompensation_93AE0E9ABC9C6E587E319B8D72915ED4_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation_93AE0E9ABC9C6E587E319B8D72915ED4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Share-based Compensation </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation_93AE0E9ABC9C6E587E319B8D72915ED4" xlink:type="locator"/>
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<link:label id="lab_us-gaap_OtherNoncashIncomeExpense_CD6FE2731EC780649D3F9B8D7291F70D_negatedLabel_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense_CD6FE2731EC780649D3F9B8D7291F70D" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Other, net </link:label>
<link:label id="lab_us-gaap_OtherNoncashIncomeExpense_CD6FE2731EC780649D3F9B8D7291F70D_label_en-US" xlink:label="lab_us-gaap_OtherNoncashIncomeExpense_CD6FE2731EC780649D3F9B8D7291F70D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Noncash Income (Expense) </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherNoncashIncomeExpense" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_CD6FE2731EC780649D3F9B8D7291F70D" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_02CEC1EB3961618E02D09B8D72917CBB_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_02CEC1EB3961618E02D09B8D72917CBB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Net change in other operating items, net of effects from acquisitions and changes in AARP balances: </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_02CEC1EB3961618E02D09B8D72917CBB_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_02CEC1EB3961618E02D09B8D72917CBB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Operating Capital [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_02CEC1EB3961618E02D09B8D72917CBB" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_D89A54FADCE52362BF5E9B8D729100E8_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_D89A54FADCE52362BF5E9B8D729100E8" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Accounts receivable </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_D89A54FADCE52362BF5E9B8D729100E8_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_D89A54FADCE52362BF5E9B8D729100E8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Accounts Receivable </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_D89A54FADCE52362BF5E9B8D729100E8" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_C4855CADDCF377E030D29B8D7292FEAB_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_C4855CADDCF377E030D29B8D7292FEAB" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Other assets </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_C4855CADDCF377E030D29B8D7292FEAB_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_C4855CADDCF377E030D29B8D7292FEAB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Other Operating Assets </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_C4855CADDCF377E030D29B8D7292FEAB" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_0814C700CDABCE842BC59B8D729233E7_verboseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_0814C700CDABCE842BC59B8D729233E7" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Medical costs payable </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_0814C700CDABCE842BC59B8D729233E7_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_0814C700CDABCE842BC59B8D729233E7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Health Care Insurance Liabilities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_0814C700CDABCE842BC59B8D729233E7" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_2EABA20B21F9593874EF9B8D72922AEC_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_2EABA20B21F9593874EF9B8D72922AEC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Accounts payable and other liabilities </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_2EABA20B21F9593874EF9B8D72922AEC_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_2EABA20B21F9593874EF9B8D72922AEC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Accounts Payable and Accrued Liabilities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_2EABA20B21F9593874EF9B8D72922AEC" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInDeferredRevenue_4283C4A7E603099128D69B8D7292098C_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeferredRevenue_4283C4A7E603099128D69B8D7292098C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Unearned revenues </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInDeferredRevenue_4283C4A7E603099128D69B8D7292098C_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeferredRevenue_4283C4A7E603099128D69B8D7292098C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Deferred Revenue </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredRevenue_4283C4A7E603099128D69B8D7292098C" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_79E7C6F134A7439E00CB9B8D729295B5_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_79E7C6F134A7439E00CB9B8D729295B5" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Cash flows from operating activities </link:label>
<link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_79E7C6F134A7439E00CB9B8D729295B5_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_79E7C6F134A7439E00CB9B8D729295B5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Net Cash Provided by (Used in) Operating Activities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_79E7C6F134A7439E00CB9B8D729295B5" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_AB303028798E9AACD8219B8D7293AF9F_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_AB303028798E9AACD8219B8D7293AF9F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Investing activities </link:label>
<link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_AB303028798E9AACD8219B8D7293AF9F_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_AB303028798E9AACD8219B8D7293AF9F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Net Cash Provided by (Used in) Investing Activities [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_AB303028798E9AACD8219B8D7293AF9F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PaymentsToAcquireInvestments_7BAA7F4CE4134176770D9B8D7298E427_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireInvestments_7BAA7F4CE4134176770D9B8D7298E427" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Purchases of investments </link:label>
<link:label id="lab_us-gaap_PaymentsToAcquireInvestments_7BAA7F4CE4134176770D9B8D7298E427_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireInvestments_7BAA7F4CE4134176770D9B8D7298E427" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments to Acquire Investments </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsToAcquireInvestments" xlink:label="loc_us-gaap_PaymentsToAcquireInvestments_7BAA7F4CE4134176770D9B8D7298E427" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_B188D1858AE4DAAA9DE39B8D7298228C_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_B188D1858AE4DAAA9DE39B8D7298228C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Sales of investments </link:label>
<link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_B188D1858AE4DAAA9DE39B8D7298228C_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_B188D1858AE4DAAA9DE39B8D7298228C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Proceeds from Sale of Available-for-sale Securities </link:label>
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<link:label id="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_7E078FC8ED7EAF942C1D9B8D7298106E_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_7E078FC8ED7EAF942C1D9B8D7298106E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Maturities of investments </link:label>
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<link:label id="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_15555E91A96F9DEC81439B8D729983F1_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_15555E91A96F9DEC81439B8D729983F1" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Cash paid for acquisitions, net of cash assumed </link:label>
<link:label id="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_15555E91A96F9DEC81439B8D729983F1_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_15555E91A96F9DEC81439B8D729983F1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments to Acquire Businesses, Net of Cash Acquired </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_15555E91A96F9DEC81439B8D729983F1" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1840A72C836308B4355D9B8D72992334_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1840A72C836308B4355D9B8D72992334" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Purchases of property, equipment and capitalized software </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1840A72C836308B4355D9B8D72992334" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Other, net </link:label>
<link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments for (Proceeds from) Other Investing Activities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B" xlink:to="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_2A3CFA312530C6771CA89B8D7299F54B" xlink:type="arc"/>
<link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_2FD000E976D1228FEB779B8D7299D68B_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_2FD000E976D1228FEB779B8D7299D68B" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Cash flows used for investing activities </link:label>
<link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_2FD000E976D1228FEB779B8D7299D68B_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_2FD000E976D1228FEB779B8D7299D68B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Net Cash Provided by (Used in) Investing Activities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2FD000E976D1228FEB779B8D7299D68B" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Financing activities </link:label>
<link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Net Cash Provided by (Used in) Financing Activities [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_8B9AD4A3BCFF5325DA0D9B8D72997A6F" xlink:type="arc"/>
<link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_0DF728D0539D79AF0FED9B8D7299FBD3_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_0DF728D0539D79AF0FED9B8D7299FBD3" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Common share repurchases </link:label>
<link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_0DF728D0539D79AF0FED9B8D7299FBD3_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_0DF728D0539D79AF0FED9B8D7299FBD3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments for Repurchase of Common Stock </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_0DF728D0539D79AF0FED9B8D7299FBD3" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Cash dividends paid </link:label>
<link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments of Ordinary Dividends, Common Stock </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB" xlink:to="lab_us-gaap_PaymentsOfDividendsCommonStock_622E369607F10E436C689B8D729A53DB" xlink:type="arc"/>
<link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_3DDC8B994CA9BA9D5EF29B8D729A6CE6_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_3DDC8B994CA9BA9D5EF29B8D729A6CE6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Proceeds from common stock issuances </link:label>
<link:label id="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_3DDC8B994CA9BA9D5EF29B8D729A6CE6_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfCommonStock_3DDC8B994CA9BA9D5EF29B8D729A6CE6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Proceeds from Issuance of Common Stock </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_3DDC8B994CA9BA9D5EF29B8D729A6CE6" xlink:type="locator"/>
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<link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A_negatedLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US"> Repayments of long-term debt </link:label>
<link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Repayments of Long-term Debt </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A" xlink:to="lab_us-gaap_RepaymentsOfLongTermDebt_05B162FDB0051D70C1CD9B8D729A1B3A" xlink:type="arc"/>
<link:label id="lab_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_BF091067E938C6EC7F4F9B8D729AA3C3_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_BF091067E938C6EC7F4F9B8D729AA3C3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Repayments of commercial paper, net </link:label>
<link:label id="lab_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_BF091067E938C6EC7F4F9B8D729AA3C3_label_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_BF091067E938C6EC7F4F9B8D729AA3C3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Proceeds from (Repayments of) Commercial Paper </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfCommercialPaper" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_BF091067E938C6EC7F4F9B8D729AA3C3" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1016C0D4F60E8FD022B99B8D729A4E83_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1016C0D4F60E8FD022B99B8D729A4E83" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Proceeds from issuance of long-term debt </link:label>
<link:label id="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1016C0D4F60E8FD022B99B8D729A4E83_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1016C0D4F60E8FD022B99B8D729A4E83" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Proceeds from Issuance of Long-term Debt </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1016C0D4F60E8FD022B99B8D729A4E83" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncreaseDecreaseInCustomerDeposits_1BF3DFABE2D4C8486D1D9B8D729BC6C5_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInCustomerDeposits_1BF3DFABE2D4C8486D1D9B8D729BC6C5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Customer funds administered </link:label>
<link:label id="lab_us-gaap_IncreaseDecreaseInCustomerDeposits_1BF3DFABE2D4C8486D1D9B8D729BC6C5_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInCustomerDeposits_1BF3DFABE2D4C8486D1D9B8D729BC6C5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Increase (Decrease) in Customer Deposits </link:label>
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<link:label id="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_297B4DEADC0BABA8228B9B8D729BFE75_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_297B4DEADC0BABA8228B9B8D729BFE75" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other, net </link:label>
<link:label id="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_297B4DEADC0BABA8228B9B8D729BFE75_label_en-US" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_297B4DEADC0BABA8228B9B8D729BFE75" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Proceeds from (Payments for) Other Financing Activities </link:label>
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<link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_9B2EE2CF84C05F0CC189D50EB8E66F21_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_9B2EE2CF84C05F0CC189D50EB8E66F21" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Number of shares purchased </link:label>
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<link:label id="lab_us-gaap_ScheduleOfGoodwillTable_101F95D31E7E26CFEBB08655E254AF3C_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTable_101F95D31E7E26CFEBB08655E254AF3C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Schedule of Goodwill [Table] </link:label>
<link:label id="lab_us-gaap_ScheduleOfGoodwillTable_101F95D31E7E26CFEBB08655E254AF3C_label_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTable_101F95D31E7E26CFEBB08655E254AF3C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Schedule of Goodwill [Table] </link:label>
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<link:label id="lab_us-gaap_GoodwillLineItems_8DBEC1A0EABBEFB81D6A8655E2562C49_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillLineItems_8DBEC1A0EABBEFB81D6A8655E2562C49" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Goodwill [Line Items] </link:label>
<link:label id="lab_us-gaap_GoodwillLineItems_8DBEC1A0EABBEFB81D6A8655E2562C49_label_en-US" xlink:label="lab_us-gaap_GoodwillLineItems_8DBEC1A0EABBEFB81D6A8655E2562C49" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill [Line Items] </link:label>
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<link:label id="lab_us-gaap_Goodwill_192E871BB0FFC9CF05978655E2563405_label_en-US" xlink:label="lab_us-gaap_Goodwill_192E871BB0FFC9CF05978655E2563405" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill </link:label>
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<link:label id="lab_us-gaap_GoodwillAcquiredDuringPeriod_48A09ACAE7BEDB0DCDCD8655E256DB76_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAcquiredDuringPeriod_48A09ACAE7BEDB0DCDCD8655E256DB76" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Acquisitions </link:label>
<link:label id="lab_us-gaap_GoodwillAcquiredDuringPeriod_48A09ACAE7BEDB0DCDCD8655E256DB76_label_en-US" xlink:label="lab_us-gaap_GoodwillAcquiredDuringPeriod_48A09ACAE7BEDB0DCDCD8655E256DB76" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill, Acquired During Period </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_GoodwillAcquiredDuringPeriod" xlink:label="loc_us-gaap_GoodwillAcquiredDuringPeriod_48A09ACAE7BEDB0DCDCD8655E256DB76" xlink:type="locator"/>
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<link:label id="lab_us-gaap_GoodwillTranslationAndPurchaseAccountingAdjustments_26DE0A4EF61BAB2A5FB98655E2569DEB_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillTranslationAndPurchaseAccountingAdjustments_26DE0A4EF61BAB2A5FB98655E2569DEB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Foreign currency effects and adjustments, net </link:label>
<link:label id="lab_us-gaap_GoodwillTranslationAndPurchaseAccountingAdjustments_26DE0A4EF61BAB2A5FB98655E2569DEB_label_en-US" xlink:label="lab_us-gaap_GoodwillTranslationAndPurchaseAccountingAdjustments_26DE0A4EF61BAB2A5FB98655E2569DEB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill, Translation and Purchase Accounting Adjustments </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_GoodwillTranslationAndPurchaseAccountingAdjustments" xlink:label="loc_us-gaap_GoodwillTranslationAndPurchaseAccountingAdjustments_26DE0A4EF61BAB2A5FB98655E2569DEB" xlink:type="locator"/>
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<link:label id="lab_us-gaap_Goodwill_11FE112313183A5B6EAA8655E257C08F_periodEndLabel_en-US" xlink:label="lab_us-gaap_Goodwill_11FE112313183A5B6EAA8655E257C08F" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US"> Goodwill, Ending Balance </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_11FE112313183A5B6EAA8655E257C08F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_DebtInstrumentAxis_C000510B7AE66088C354967FEBC4BD90_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis_C000510B7AE66088C354967FEBC4BD90" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Debt Instrument [Axis] </link:label>
<link:label id="lab_us-gaap_DebtInstrumentAxis_C000510B7AE66088C354967FEBC4BD90_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis_C000510B7AE66088C354967FEBC4BD90" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt Instrument [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_C000510B7AE66088C354967FEBC4BD90" xlink:type="locator"/>
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<link:label id="lab_us-gaap_DebtInstrumentNameDomain_F947D024DDAB77BD0B01967FEBC5EF54_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain_F947D024DDAB77BD0B01967FEBC5EF54" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Name [Domain] </link:label>
<link:label id="lab_us-gaap_DebtInstrumentNameDomain_F947D024DDAB77BD0B01967FEBC5EF54_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain_F947D024DDAB77BD0B01967FEBC5EF54" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Name [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_F947D024DDAB77BD0B01967FEBC5EF54" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CommercialPaperMember_31F364EDF23B859C844A967FEBC5BF12_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialPaperMember_31F364EDF23B859C844A967FEBC5BF12" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Commercial Paper [Member] </link:label>
<link:label id="lab_us-gaap_CommercialPaperMember_31F364EDF23B859C844A967FEBC5BF12_label_en-US" xlink:label="lab_us-gaap_CommercialPaperMember_31F364EDF23B859C844A967FEBC5BF12" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Commercial Paper [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CommercialPaperMember" xlink:label="loc_us-gaap_CommercialPaperMember_31F364EDF23B859C844A967FEBC5BF12" xlink:type="locator"/>
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<link:label id="lab_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD_terseLabel_en-US" xlink:label="lab_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 6.000% Notes Due February 2018 [Member] </link:label>
<link:label id="lab_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD_label_en-US" xlink:label="lab_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Six Point Zero Senior Unsecured Notes Due February Two Thousand Eighteen [Member] </link:label>
<link:label id="lab_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD_documentation_en-US" xlink:label="lab_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Senior Unsecured Notes 6.0 Percent Due February 2018 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember" xlink:label="loc_unh_SixPointZeroSeniorUnsecuredNotesDueFebruaryTwoThousandEighteenMember_2053C5129379694C1FED967FEBC502DD" xlink:type="locator"/>
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<link:label id="lab_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43_terseLabel_en-US" xlink:label="lab_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 1.900% Notes Due July 2018 [Member] </link:label>
<link:label id="lab_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43_label_en-US" xlink:label="lab_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 1.900% notes due July 2018 [Member] </link:label>
<link:label id="lab_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43_documentation_en-US" xlink:label="lab_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 1.900% notes due July 2018 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A1.900notesdueJuly2018Member" xlink:label="loc_unh_A1.900notesdueJuly2018Member_93C8CD94AFE28F0FF199967FEBC6EB43" xlink:type="locator"/>
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<link:label id="lab_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9_terseLabel_en-US" xlink:label="lab_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 1.700% Notes due February 2019 [Member] </link:label>
<link:label id="lab_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9_label_en-US" xlink:label="lab_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 1.700% Notes due February 2019 [Member] </link:label>
<link:label id="lab_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9_documentation_en-US" xlink:label="lab_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 1.700% Notes due February 2019 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A1.700NotesdueFebruary2019Member" xlink:label="loc_unh_A1.700NotesdueFebruary2019Member_31639159A308C9A916C0967FEBC6BAC9" xlink:type="locator"/>
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<link:label id="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0_terseLabel_en-US" xlink:label="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 1.625% Notes Due March 2019 [Member] </link:label>
<link:label id="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0_label_en-US" xlink:label="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 1.625% Senior Unsecured Notes Due March 2019 [Member] </link:label>
<link:label id="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0_documentation_en-US" xlink:label="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 1.625% Senior Unsecured Notes Due March 2019 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A1625SeniorUnsecuredNotesDueMarch2019Member" xlink:label="loc_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0" xlink:to="lab_unh_A1625SeniorUnsecuredNotesDueMarch2019Member_83607B628FC1392D1C15967FEBC6BAE0" xlink:type="arc"/>
<link:label id="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738_terseLabel_en-US" xlink:label="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2.300% Notes Due December 2019 [Member] </link:label>
<link:label id="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738_label_en-US" xlink:label="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.300% Senior Unsecured Notes Due December 2019 [Member] </link:label>
<link:label id="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738_documentation_en-US" xlink:label="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.300% Senior Unsecured Notes Due December 2019 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2.300SeniorUnsecuredNotesDueDecember2019Member" xlink:label="loc_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738" xlink:to="lab_unh_A2.300SeniorUnsecuredNotesDueDecember2019Member_37B55EBC5AFD1D1FBB6D967FEBC62738" xlink:type="arc"/>
<link:label id="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595_terseLabel_en-US" xlink:label="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2.700% Notes Due July 2020 [Member] </link:label>
<link:label id="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595_label_en-US" xlink:label="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.700% Senior Unsecured Notes due July 2020 [Member] </link:label>
<link:label id="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595_documentation_en-US" xlink:label="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.700% Senior Unsecured Notes due July 2020 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2.700SeniorUnsecuredNotesdueJuly2020Member" xlink:label="loc_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595" xlink:to="lab_unh_A2.700SeniorUnsecuredNotesdueJuly2020Member_1A5978E12CF1A5A6410D967FEBC60595" xlink:type="arc"/>
<link:label id="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4_terseLabel_en-US" xlink:label="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Floating rate notes due October 2020 [Member] </link:label>
<link:label id="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4_label_en-US" xlink:label="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Floating rate notes due October 2020 [Member] </link:label>
<link:label id="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4_documentation_en-US" xlink:label="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Floating rate notes due October 2020 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FloatingratenotesdueOctober2020Member" xlink:label="loc_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4" xlink:to="lab_unh_FloatingratenotesdueOctober2020Member_BF79E7001D0A244A6832967FEBC7E3B4" xlink:type="arc"/>
<link:label id="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8_terseLabel_en-US" xlink:label="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.875% Notes Due October 2020 [Member] </link:label>
<link:label id="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8_label_en-US" xlink:label="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Three point eight seven five percent Senior Unsecured Notes due October 2020 [Member] </link:label>
<link:label id="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8_documentation_en-US" xlink:label="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Three point eight seven five percent Senior Unsecured Notes due October 2020 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member" xlink:label="loc_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8" xlink:to="lab_unh_ThreePointEightSevenFivePercentSeniorUnsecuredNotesDueOctober2020Member_9F4B80CE83DE7DEFF23C967FEBC72DC8" xlink:type="arc"/>
<link:label id="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0_terseLabel_en-US" xlink:label="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 1.950% notes due October 2020 [Member] </link:label>
<link:label id="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0_label_en-US" xlink:label="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 1.950% notes due October 2020 [Member] [Member] </link:label>
<link:label id="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0_documentation_en-US" xlink:label="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 1.950% notes due October 2020 [Member] [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A1.950notesdueOctober2020MemberMember" xlink:label="loc_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0" xlink:to="lab_unh_A1.950notesdueOctober2020MemberMember_529D6BC2EA5FC37D3580967FEBC7CED0" xlink:type="arc"/>
<link:label id="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F_terseLabel_en-US" xlink:label="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.700% Notes Due February 2021 [Member] </link:label>
<link:label id="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F_label_en-US" xlink:label="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Four Point Seven Percentage Senior Unsecured Notes Due February Two Thousand Twenty One [Member] </link:label>
<link:label id="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F_documentation_en-US" xlink:label="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Four Point Seven Percentage of Senior Unsecured Notes Due February Two Thousand and Twenty One [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember" xlink:label="loc_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F" xlink:to="lab_unh_FourPointSevenPercentageSeniorUnsecuredNotesDueFebruaryTwoThousandTwentyOneMember_5DE5B1333F260F51BF35967FEBC77E4F" xlink:type="arc"/>
<link:label id="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34_terseLabel_en-US" xlink:label="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2.125% notes due March 2021 [Member] </link:label>
<link:label id="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34_label_en-US" xlink:label="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.125% notes due March 2021 [Member] </link:label>
<link:label id="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34_documentation_en-US" xlink:label="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.125% notes due March 2021 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2.125notesdueMarch2021Member" xlink:label="loc_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34" xlink:to="lab_unh_A2.125notesdueMarch2021Member_71FB01060C0CCDF91D1C967FEBC79A34" xlink:type="arc"/>
<link:label id="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6_terseLabel_en-US" xlink:label="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Floating rate notes due June 2021 [Member] </link:label>
<link:label id="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6_label_en-US" xlink:label="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Floating rate notes due June 2021 [Member] </link:label>
<link:label id="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6_documentation_en-US" xlink:label="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Floating rate notes due June 2021 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FloatingratenotesdueJune2021Member" xlink:label="loc_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6" xlink:to="lab_unh_FloatingratenotesdueJune2021Member_686F72632EB06B20EB94967FEBC7FFF6" xlink:type="arc"/>
<link:label id="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708_terseLabel_en-US" xlink:label="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.150% notes due June 2021 [Member] </link:label>
<link:label id="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708_label_en-US" xlink:label="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.150% notes due June 2021 [Member] </link:label>
<link:label id="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708_documentation_en-US" xlink:label="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.150% notes due June 2021 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.150notesdueJune2021Member" xlink:label="loc_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708" xlink:to="lab_unh_A3.150notesdueJune2021Member_F047A10CA1BF5DD84254967FEBC74708" xlink:type="arc"/>
<link:label id="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299_terseLabel_en-US" xlink:label="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.375% Notes Due November 2021 [Member] </link:label>
<link:label id="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299_label_en-US" xlink:label="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Three point three seven five percent Senior Unsecured Notes due November 2021 [Member] </link:label>
<link:label id="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299_documentation_en-US" xlink:label="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Three point three seven five percent Senior Unsecured Notes due November 2021 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member" xlink:label="loc_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299" xlink:to="lab_unh_ThreePointThreeSevenFivePercentSeniorUnsecuredNotesDueNovember2021Member_422CBF23AD77AC7C0159967FEBC8A299" xlink:type="arc"/>
<link:label id="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5_terseLabel_en-US" xlink:label="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2.875% Notes Due December 2021 [Member] </link:label>
<link:label id="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5_label_en-US" xlink:label="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.875% Senior Unsecured Notes Due December 2021 [Member] </link:label>
<link:label id="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5_documentation_en-US" xlink:label="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.875% Senior Unsecured Notes Due December 2021 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2.875SeniorUnsecuredNotesDueDecember2021Member" xlink:label="loc_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5" xlink:to="lab_unh_A2.875SeniorUnsecuredNotesDueDecember2021Member_12272C953BCD08D84895967FEBC8F2E5" xlink:type="arc"/>
<link:label id="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7_terseLabel_en-US" xlink:label="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2.875% Notes Due March 2022 [Member] </link:label>
<link:label id="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7_label_en-US" xlink:label="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Two point eight seven five Senior Unsecured Notes due March 2022 [Member] </link:label>
<link:label id="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7_documentation_en-US" xlink:label="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Two point eight seven five Senior Unsecured Notes due March 2022 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member" xlink:label="loc_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7" xlink:to="lab_unh_TwoPointEightSevenFiveSeniorUnsecuredNotesDueMarch2022Member_B462B1FEE6A66A3940A7967FEBC84EF7" xlink:type="arc"/>
<link:label id="lab_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3_terseLabel_en-US" xlink:label="lab_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.350% Notes Due July 2022 [Member] </link:label>
<link:label id="lab_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3_label_en-US" xlink:label="lab_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.350% Senior Unsecured Notes due July 2022 [Member] </link:label>
<link:label id="lab_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3_documentation_en-US" xlink:label="lab_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.350% Senior Unsecured Notes due July 2022 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.350SeniorUnsecuredNotesdueJuly2022Member" xlink:label="loc_unh_A3.350SeniorUnsecuredNotesdueJuly2022Member_8195ACC20E7DCD27C6E3967FEBC810D3" xlink:type="locator"/>
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<link:label id="lab_unh_A2.375notesdueOctober2022MemberMember_A8EEB6A384D294D4C0D5967FEBC8EC39_label_en-US" xlink:label="lab_unh_A2.375notesdueOctober2022MemberMember_A8EEB6A384D294D4C0D5967FEBC8EC39" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.375% notes due October 2022 [Member] [Member] </link:label>
<link:label id="lab_unh_A2.375notesdueOctober2022MemberMember_A8EEB6A384D294D4C0D5967FEBC8EC39_documentation_en-US" xlink:label="lab_unh_A2.375notesdueOctober2022MemberMember_A8EEB6A384D294D4C0D5967FEBC8EC39" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.375% notes due October 2022 [Member] [Member] </link:label>
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<link:label id="lab_unh_ZeroCouponSeniorUnsecuredNotesDueNovemberTwoThousandTwentyTwoMember_DCB62290DC17309E03D3967FEBC8F9D3_label_en-US" xlink:label="lab_unh_ZeroCouponSeniorUnsecuredNotesDueNovemberTwoThousandTwentyTwoMember_DCB62290DC17309E03D3967FEBC8F9D3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Zero Coupon Senior Unsecured Notes Due November Two Thousand Twenty Two [Member] </link:label>
<link:label id="lab_unh_ZeroCouponSeniorUnsecuredNotesDueNovemberTwoThousandTwentyTwoMember_DCB62290DC17309E03D3967FEBC8F9D3_documentation_en-US" xlink:label="lab_unh_ZeroCouponSeniorUnsecuredNotesDueNovemberTwoThousandTwentyTwoMember_DCB62290DC17309E03D3967FEBC8F9D3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Senior Unsecured Notes Zero Coupon Due November 2022 [Member] </link:label>
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<link:label id="lab_unh_A2750SeniorUnsecuredNotesDueFebruary2023Member_C997B70DE1DBB9DDC88D967FEBC9D4D0_label_en-US" xlink:label="lab_unh_A2750SeniorUnsecuredNotesDueFebruary2023Member_C997B70DE1DBB9DDC88D967FEBC9D4D0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.750% Senior Unsecured Notes due February 2023 [Member] </link:label>
<link:label id="lab_unh_A2750SeniorUnsecuredNotesDueFebruary2023Member_C997B70DE1DBB9DDC88D967FEBC9D4D0_documentation_en-US" xlink:label="lab_unh_A2750SeniorUnsecuredNotesDueFebruary2023Member_C997B70DE1DBB9DDC88D967FEBC9D4D0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.750% Senior Unsecured Notes due February 2023 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2750SeniorUnsecuredNotesDueFebruary2023Member" xlink:label="loc_unh_A2750SeniorUnsecuredNotesDueFebruary2023Member_C997B70DE1DBB9DDC88D967FEBC9D4D0" xlink:type="locator"/>
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<link:label id="lab_unh_A2875SeniorUnsecuredNotesDueMarch2023Member_8F20458E0EAE30AFC6F9967FEBC9E169_label_en-US" xlink:label="lab_unh_A2875SeniorUnsecuredNotesDueMarch2023Member_8F20458E0EAE30AFC6F9967FEBC9E169" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 2.875% Senior Unsecured Notes due March 2023 [Member] </link:label>
<link:label id="lab_unh_A2875SeniorUnsecuredNotesDueMarch2023Member_8F20458E0EAE30AFC6F9967FEBC9E169_documentation_en-US" xlink:label="lab_unh_A2875SeniorUnsecuredNotesDueMarch2023Member_8F20458E0EAE30AFC6F9967FEBC9E169" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.875% Senior Unsecured Notes due March 2023 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2875SeniorUnsecuredNotesDueMarch2023Member" xlink:label="loc_unh_A2875SeniorUnsecuredNotesDueMarch2023Member_8F20458E0EAE30AFC6F9967FEBC9E169" xlink:type="locator"/>
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<link:label id="lab_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381_terseLabel_en-US" xlink:label="lab_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.500% notes due June 2023 [Member] </link:label>
<link:label id="lab_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381_label_en-US" xlink:label="lab_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.500% notes due June 2023 [Member] </link:label>
<link:label id="lab_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381_documentation_en-US" xlink:label="lab_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.500% notes due June 2023 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.500notesdueJune2023Member" xlink:label="loc_unh_A3.500notesdueJune2023Member_51F411DDA32D5E39F084967FEBC9B381" xlink:type="locator"/>
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<link:label id="lab_unh_A3.500notesdueFebruary2024Member_CCB8BBBC626EE6F832FA967FEBC962FA_label_en-US" xlink:label="lab_unh_A3.500notesdueFebruary2024Member_CCB8BBBC626EE6F832FA967FEBC962FA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.500% notes due February 2024 [Member] </link:label>
<link:label id="lab_unh_A3.500notesdueFebruary2024Member_CCB8BBBC626EE6F832FA967FEBC962FA_documentation_en-US" xlink:label="lab_unh_A3.500notesdueFebruary2024Member_CCB8BBBC626EE6F832FA967FEBC962FA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.500% notes due February 2024 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.500notesdueFebruary2024Member" xlink:label="loc_unh_A3.500notesdueFebruary2024Member_CCB8BBBC626EE6F832FA967FEBC962FA" xlink:type="locator"/>
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<link:label id="lab_unh_A3.750notesdueJuly2025Member_0E86B4974C88D9D5E73A967FEBCAA47F_label_en-US" xlink:label="lab_unh_A3.750notesdueJuly2025Member_0E86B4974C88D9D5E73A967FEBCAA47F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.750% notes due July 2025 [Member] </link:label>
<link:label id="lab_unh_A3.750notesdueJuly2025Member_0E86B4974C88D9D5E73A967FEBCAA47F_documentation_en-US" xlink:label="lab_unh_A3.750notesdueJuly2025Member_0E86B4974C88D9D5E73A967FEBCAA47F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.750% notes due July 2025 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.750notesdueJuly2025Member" xlink:label="loc_unh_A3.750notesdueJuly2025Member_0E86B4974C88D9D5E73A967FEBCAA47F" xlink:type="locator"/>
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<link:label id="lab_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27_terseLabel_en-US" xlink:label="lab_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.700% notes due December 2025 [Member] </link:label>
<link:label id="lab_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27_label_en-US" xlink:label="lab_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.700% notes due December 2025 [Member] </link:label>
<link:label id="lab_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27_documentation_en-US" xlink:label="lab_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.700% notes due December 2025 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.700notesdueDecember2025Member" xlink:label="loc_unh_A3.700notesdueDecember2025Member_2AC0606D2E78FF129B32967FEBCA8C27" xlink:type="locator"/>
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<link:loc xlink:href="unh-20181231.xsd#unh_A3.100notesdueMarch2026Member" xlink:label="loc_unh_A3.100notesdueMarch2026Member_28C4792BC3DD9D585334967FEBCA0AFA" xlink:type="locator"/>
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<link:loc xlink:href="unh-20181231.xsd#unh_A3.450notesdueJanuary2027Member" xlink:label="loc_unh_A3.450notesdueJanuary2027Member_658A9F0963089C9C7172967FEBCA8EE3" xlink:type="locator"/>
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<link:label id="lab_unh_A2.950notesdueOctober2027Member_74958D149675309CC58D967FEBCAE8FD_documentation_en-US" xlink:label="lab_unh_A2.950notesdueOctober2027Member_74958D149675309CC58D967FEBCAE8FD" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 2.950% notes due October 2027 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A2.950notesdueOctober2027Member" xlink:label="loc_unh_A2.950notesdueOctober2027Member_74958D149675309CC58D967FEBCAE8FD" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A2.950notesdueOctober2027Member_74958D149675309CC58D967FEBCAE8FD" xlink:to="lab_unh_A2.950notesdueOctober2027Member_74958D149675309CC58D967FEBCAE8FD" xlink:type="arc"/>
<link:label id="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE_terseLabel_en-US" xlink:label="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.850% notes due June 2028 [Member] </link:label>
<link:label id="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE_label_en-US" xlink:label="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.850% notes due June 2028 [Member] </link:label>
<link:label id="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE_documentation_en-US" xlink:label="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.850% notes due June 2028 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.850notesdueJune2028Member" xlink:label="loc_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE" xlink:to="lab_unh_A3.850notesdueJune2028Member_140244BCA991FD9064D3967FEBCA1DEE" xlink:type="arc"/>
<link:label id="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457_terseLabel_en-US" xlink:label="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.875% notes due December 2028 [Member] </link:label>
<link:label id="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457_label_en-US" xlink:label="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.875% notes due December 2028 [Member] </link:label>
<link:label id="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457_documentation_en-US" xlink:label="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.875% notes due December 2028 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.875notesdueDecember2028Member" xlink:label="loc_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457" xlink:to="lab_unh_A3.875notesdueDecember2028Member_2651A038E7F66525A9DB967FEBCBA457" xlink:type="arc"/>
<link:label id="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3_terseLabel_en-US" xlink:label="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.625% Notes Due July 2035 [Member] </link:label>
<link:label id="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3_label_en-US" xlink:label="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.625% notes due July 2035 [Member] </link:label>
<link:label id="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3_documentation_en-US" xlink:label="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.625% notes due July 2035 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4.625notesdueJuly2035Member" xlink:label="loc_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3" xlink:to="lab_unh_A4.625notesdueJuly2035Member_6C0889FCF80B94D148BB967FEBCBB2D3" xlink:type="arc"/>
<link:label id="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57_terseLabel_en-US" xlink:label="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 5.800% Notes Due March 2036 [Member] </link:label>
<link:label id="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57_label_en-US" xlink:label="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Five Point Eight Percent Senior Unsecured Notes Due March Two Thousand Thirty Six [Member] </link:label>
<link:label id="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57_documentation_en-US" xlink:label="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Senior Unsecured Notes 5.8 Percent Due March 2036 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember" xlink:label="loc_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57" xlink:to="lab_unh_FivePointEightPercentSeniorUnsecuredNotesDueMarchTwoThousandThirtySixMember_74EE8B4A78130B24EFB4967FEBCB3C57" xlink:type="arc"/>
<link:label id="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA_terseLabel_en-US" xlink:label="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 6.500% Notes Due June 2037 [Member] </link:label>
<link:label id="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA_label_en-US" xlink:label="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 6.500% Notes Due June 2037 [Member] [Member] </link:label>
<link:label id="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA_documentation_en-US" xlink:label="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 6.500% Notes Due June 2037 [Member] [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A6.500NotesDueJune2037MemberMember" xlink:label="loc_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA" xlink:to="lab_unh_A6.500NotesDueJune2037MemberMember_6E909E480261FE5840349696DDBDFCFA" xlink:type="arc"/>
<link:label id="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655_terseLabel_en-US" xlink:label="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 6.625% Notes due November 2037 [Member] </link:label>
<link:label id="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655_label_en-US" xlink:label="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 6.625% Notes due November 2037 [Member] </link:label>
<link:label id="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655_documentation_en-US" xlink:label="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 6.625% Notes due November 2037 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A6.625NotesdueNovember2037Member" xlink:label="loc_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655" xlink:to="lab_unh_A6.625NotesdueNovember2037Member_6E6EFD56707AB207414B969800373655" xlink:type="arc"/>
<link:label id="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78_terseLabel_en-US" xlink:label="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 6.875% Notes Due Februray 2038 [Member] </link:label>
<link:label id="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78_label_en-US" xlink:label="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Six point eight seven five percent Senior Unsecured Notes due Februray 2038 [Member] </link:label>
<link:label id="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78_documentation_en-US" xlink:label="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Six point eight seven five percent Senior Unsecured Notes due Februray 2038 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member" xlink:label="loc_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78" xlink:to="lab_unh_SixPointEightSevenFivePercentSeniorUnsecuredNotesDueFebruray2038Member_EAC258374877158EAC0F967FEBCB9B78" xlink:type="arc"/>
<link:label id="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF_terseLabel_en-US" xlink:label="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 5.700% Notes Due October 2040 [Member] </link:label>
<link:label id="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF_label_en-US" xlink:label="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Five Point Seven Percent Senior Unsecured Notes Due October Two Thousand Forty [Member] </link:label>
<link:label id="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF_documentation_en-US" xlink:label="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Five Point Seven Percentage of Senior Unsecured Notes Due October Two Thousand and Forty [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember" xlink:label="loc_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF" xlink:to="lab_unh_FivePointSevenPercentSeniorUnsecuredNotesDueOctoberTwoThousandFortyMember_923DEF4159804B043883967FEBCB3DDF" xlink:type="arc"/>
<link:label id="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3_terseLabel_en-US" xlink:label="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 5.950% Notes Due Februrary 2041 [Member] </link:label>
<link:label id="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3_label_en-US" xlink:label="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Five point nine five Senior Unsecured Notes due Februrary 2041 [Member] </link:label>
<link:label id="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3_documentation_en-US" xlink:label="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Five point nine five Senior Unsecured Notes due Februrary 2041 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member" xlink:label="loc_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3" xlink:to="lab_unh_FivePointNineFiveSeniorUnsecuredNotesDueFebrurary2041Member_B6B0DBE66D3098323DCA967FEBCC5CC3" xlink:type="arc"/>
<link:label id="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80_terseLabel_en-US" xlink:label="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.625% Notes Due November 2041 [Member] </link:label>
<link:label id="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80_label_en-US" xlink:label="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Four point six two five percent senior unsecured notes due November 2041 [Member] </link:label>
<link:label id="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80_documentation_en-US" xlink:label="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Four point six two five percent senior unsecured notes due November 2041 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member" xlink:label="loc_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80" xlink:to="lab_unh_FourPointSixTwoFivePercentSeniorUnsecuredNotesDueNovember2041Member_D1BB977F636C37BA0338967FEBCC9C80" xlink:type="arc"/>
<link:label id="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74_terseLabel_en-US" xlink:label="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.375% Notes Due March 2042 [Member] </link:label>
<link:label id="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74_label_en-US" xlink:label="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Four point three seven five percent Senior Unsecured Notes due March 2042 [Member] </link:label>
<link:label id="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74_documentation_en-US" xlink:label="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Four point three seven five percent Senior Unsecured Notes due March 2042 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member" xlink:label="loc_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74" xlink:to="lab_unh_FourPointThreeSevenFivePercentSeniorUnsecuredNotesDueMarch2042Member_99BFCAEBCE8344CE9CCF967FEBCCAE74" xlink:type="arc"/>
<link:label id="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8_terseLabel_en-US" xlink:label="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.950% Notes Due October 2042 [Member] </link:label>
<link:label id="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8_label_en-US" xlink:label="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.950% Senior Unsecured Notes due October 2042 [Member] </link:label>
<link:label id="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8_documentation_en-US" xlink:label="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.950% Senior Unsecured Notes due October 2042 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3950SeniorUnsecuredNotesDueOctober2042Member" xlink:label="loc_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8" xlink:to="lab_unh_A3950SeniorUnsecuredNotesDueOctober2042Member_E386F5097B141FACE5F2967FEBCC83A8" xlink:type="arc"/>
<link:label id="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A_terseLabel_en-US" xlink:label="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.250% Notes Due March 2043 [Member] </link:label>
<link:label id="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A_label_en-US" xlink:label="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.250% Senior Unsecured Notes due March 2043 [Member] </link:label>
<link:label id="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A_documentation_en-US" xlink:label="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.250% Senior Unsecured Notes due March 2043 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4250SeniorUnsecuredNotesDueMarch2043Member" xlink:label="loc_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A" xlink:to="lab_unh_A4250SeniorUnsecuredNotesDueMarch2043Member_602701D19B4C42533F47967FEBCD7D9A" xlink:type="arc"/>
<link:label id="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7_terseLabel_en-US" xlink:label="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.750% Notes Due July 2045 [Member] </link:label>
<link:label id="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7_label_en-US" xlink:label="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.750% notes due July 2045 [Member] </link:label>
<link:label id="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7_documentation_en-US" xlink:label="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.750% notes due July 2045 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4.750notesdueJuly2045Member" xlink:label="loc_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7" xlink:to="lab_unh_A4.750notesdueJuly2045Member_91A85E6594514FFD94F0967FEBCD9AE7" xlink:type="arc"/>
<link:label id="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5_terseLabel_en-US" xlink:label="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.200% notes due January 2047 [Member] </link:label>
<link:label id="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5_label_en-US" xlink:label="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.200% notes due January 2047 [Member] </link:label>
<link:label id="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5_documentation_en-US" xlink:label="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.200% notes due January 2047 </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4.200notesdueJanuary2047Member" xlink:label="loc_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5" xlink:to="lab_unh_A4.200notesdueJanuary2047Member_78741FC3E6EB8178B590967FEBCD6AA5" xlink:type="arc"/>
<link:label id="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53_terseLabel_en-US" xlink:label="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.250% notes due April 2047 [Member] </link:label>
<link:label id="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53_label_en-US" xlink:label="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.250% notes due April 2047 [Member] </link:label>
<link:label id="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53_documentation_en-US" xlink:label="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.250% notes due April 2047 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4.250notesdueApril2047Member" xlink:label="loc_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53" xlink:to="lab_unh_A4.250notesdueApril2047Member_203123F812759B347A45967FEBCD1E53" xlink:type="arc"/>
<link:label id="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0_terseLabel_en-US" xlink:label="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 3.750% notes due October 2047 [Member] </link:label>
<link:label id="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0_label_en-US" xlink:label="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 3.750% notes due October 2047 [Member] </link:label>
<link:label id="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0_documentation_en-US" xlink:label="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 3.750% notes due October 2047 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A3.750notesdueOctober2047Member" xlink:label="loc_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0" xlink:to="lab_unh_A3.750notesdueOctober2047Member_95021E7BA74E341730EB967FEBCD74A0" xlink:type="arc"/>
<link:label id="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3_terseLabel_en-US" xlink:label="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.250% notes due June 2048 [Member] </link:label>
<link:label id="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3_label_en-US" xlink:label="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.250% notes due June 2048 [Member] </link:label>
<link:label id="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3_documentation_en-US" xlink:label="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.250% notes due June 2048 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4.250notesdueJune2048Member" xlink:label="loc_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3" xlink:to="lab_unh_A4.250notesdueJune2048Member_EECAAFB07DADE7AD0617967FEBCD26F3" xlink:type="arc"/>
<link:label id="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189_terseLabel_en-US" xlink:label="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 4.450% notes due December 2048 [Member] </link:label>
<link:label id="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189_label_en-US" xlink:label="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 4.450% notes due December 2048 [Member] </link:label>
<link:label id="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189_documentation_en-US" xlink:label="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 4.450% notes due December 2048 [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A4.450notesdueDecember2048Member" xlink:label="loc_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189" xlink:to="lab_unh_A4.450notesdueDecember2048Member_A807B436D6ED16BCF275967FEBCE9189" xlink:type="arc"/>
<link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Interest Rate, Stated Percentage </link:label>
<link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Interest Rate, Stated Percentage </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_6859F4D77A1AFD001380967FEBCEBF0C" xlink:type="arc"/>
<link:label id="lab_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Par Value </link:label>
<link:label id="lab_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Face Amount </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount_EF1575E3E9E3E501EB4C967FEBCE79E9" xlink:type="arc"/>
<link:label id="lab_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4_terseLabel_en-US" xlink:label="lab_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Unsecured Long-term Debt, Noncurrent </link:label>
<link:label id="lab_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4_label_en-US" xlink:label="lab_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Unsecured Long-term Debt, Noncurrent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_UnsecuredLongTermDebt" xlink:label="loc_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4" xlink:to="lab_us-gaap_UnsecuredLongTermDebt_64BC1B2E94D767EBA01D967FEBCE8BB4" xlink:type="arc"/>
<link:label id="lab_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53_terseLabel_en-US" xlink:label="lab_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Unsecured Debt, Current </link:label>
<link:label id="lab_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53_label_en-US" xlink:label="lab_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Unsecured Debt, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_UnsecuredDebtCurrent" xlink:label="loc_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53" xlink:to="lab_us-gaap_UnsecuredDebtCurrent_3A3E0B6E65981864717D967FEBCE7A53" xlink:type="arc"/>
<link:label id="lab_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Commercial Paper </link:label>
<link:label id="lab_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92_label_en-US" xlink:label="lab_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Commercial Paper </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CommercialPaper" xlink:label="loc_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92" xlink:to="lab_us-gaap_CommercialPaper_71BC6577CD49AED9C0E5967FEBCF3D92" xlink:type="arc"/>
<link:label id="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_8E55E511E269FA2B5BF2967FEBCF2B40_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_8E55E511E269FA2B5BF2967FEBCF2B40" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Carrying Value </link:label>
<link:label id="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_8E55E511E269FA2B5BF2967FEBCF2B40_label_en-US" xlink:label="lab_us-gaap_DebtLongtermAndShorttermCombinedAmount_8E55E511E269FA2B5BF2967FEBCF2B40" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt, Long-term and Short-term, Combined Amount </link:label>
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<link:label id="lab_us-gaap_MinorityInterestChangeInRedemptionValue_28937E573F56C0CA1E62BF3CD524FD37_label_en-US" xlink:label="lab_us-gaap_MinorityInterestChangeInRedemptionValue_28937E573F56C0CA1E62BF3CD524FD37" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Noncontrolling Interest, Change in Redemption Value </link:label>
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<link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_04EAD15C116A911A0AA7D50EB9C7D367_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_04EAD15C116A911A0AA7D50EB9C7D367" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Finite-Lived Intangible Assets, Major Class Name [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_04EAD15C116A911A0AA7D50EB9C7D367" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CustomerRelatedIntangibleAssetsMember_DD195D53CCBFC4631662D50EB9C797AF_terseLabel_en-US" xlink:label="lab_us-gaap_CustomerRelatedIntangibleAssetsMember_DD195D53CCBFC4631662D50EB9C797AF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Customer-Related Intangible Assets [Member] </link:label>
<link:label id="lab_us-gaap_CustomerRelatedIntangibleAssetsMember_DD195D53CCBFC4631662D50EB9C797AF_label_en-US" xlink:label="lab_us-gaap_CustomerRelatedIntangibleAssetsMember_DD195D53CCBFC4631662D50EB9C797AF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Customer-Related Intangible Assets [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CustomerRelatedIntangibleAssetsMember" xlink:label="loc_us-gaap_CustomerRelatedIntangibleAssetsMember_DD195D53CCBFC4631662D50EB9C797AF" xlink:type="locator"/>
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<link:label id="lab_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187_terseLabel_en-US" xlink:label="lab_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Trademarks and Technology [Member] </link:label>
<link:label id="lab_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187_label_en-US" xlink:label="lab_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Trademarks and Technology [Member] </link:label>
<link:label id="lab_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187_documentation_en-US" xlink:label="lab_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Trademarks and Technology </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_TrademarksandTechnologyMember" xlink:label="loc_unh_TrademarksandTechnologyMember_236654951EBC31ECA8B4D50EB9C7C187" xlink:type="locator"/>
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<link:label id="lab_us-gaap_OtherIntangibleAssetsMember_FE10D2A46981FB351E47D50EB9C81AAF_terseLabel_en-US" xlink:label="lab_us-gaap_OtherIntangibleAssetsMember_FE10D2A46981FB351E47D50EB9C81AAF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other Intangible Assets [Member] </link:label>
<link:label id="lab_us-gaap_OtherIntangibleAssetsMember_FE10D2A46981FB351E47D50EB9C81AAF_label_en-US" xlink:label="lab_us-gaap_OtherIntangibleAssetsMember_FE10D2A46981FB351E47D50EB9C81AAF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Intangible Assets [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherIntangibleAssetsMember" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember_FE10D2A46981FB351E47D50EB9C81AAF" xlink:type="locator"/>
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<link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_DF4A247E287E8B8758E1D50EB9C8B97E_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_DF4A247E287E8B8758E1D50EB9C8B97E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Finite-Lived Intangible Assets [Line Items] </link:label>
<link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_DF4A247E287E8B8758E1D50EB9C8B97E_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_DF4A247E287E8B8758E1D50EB9C8B97E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Finite-Lived Intangible Assets [Line Items] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_DF4A247E287E8B8758E1D50EB9C8B97E" xlink:type="locator"/>
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<link:label id="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1_DE8D8C3030F698D3443DD50EB9C8988A_terseLabel_en-US" xlink:label="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1_DE8D8C3030F698D3443DD50EB9C8988A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Finite-lived Intangible Assets Acquired </link:label>
<link:label id="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1_DE8D8C3030F698D3443DD50EB9C8988A_label_en-US" xlink:label="lab_us-gaap_FinitelivedIntangibleAssetsAcquired1_DE8D8C3030F698D3443DD50EB9C8988A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Finite-lived Intangible Assets Acquired </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_FinitelivedIntangibleAssetsAcquired1" xlink:label="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_DE8D8C3030F698D3443DD50EB9C8988A" xlink:type="locator"/>
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<link:label id="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_06B6C6910A1D4739C024D50EB9C8C776_terseLabel_en-US" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_06B6C6910A1D4739C024D50EB9C8C776" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Acquired Finite-lived Intangible Assets, Weighted Average Useful Life </link:label>
<link:label id="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_06B6C6910A1D4739C024D50EB9C8C776_label_en-US" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_06B6C6910A1D4739C024D50EB9C8C776" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Acquired Finite-lived Intangible Assets, Weighted Average Useful Life </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_06B6C6910A1D4739C024D50EB9C8C776" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ConsolidationSubsidiariesOrOtherInvestmentsConsolidatedEntitiesPolicy_F5B607AA455420EA30C8D50EB9A06486_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationSubsidiariesOrOtherInvestmentsConsolidatedEntitiesPolicy_F5B607AA455420EA30C8D50EB9A06486" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Consolidation, Subsidiaries or Other Investments, Consolidated Entities, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_ConsolidationSubsidiariesOrOtherInvestmentsConsolidatedEntitiesPolicy_F5B607AA455420EA30C8D50EB9A06486_label_en-US" xlink:label="lab_us-gaap_ConsolidationSubsidiariesOrOtherInvestmentsConsolidatedEntitiesPolicy_F5B607AA455420EA30C8D50EB9A06486" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Consolidation, Subsidiaries or Other Investments, Consolidated Entities, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ConsolidationSubsidiariesOrOtherInvestmentsConsolidatedEntitiesPolicy" xlink:label="loc_us-gaap_ConsolidationSubsidiariesOrOtherInvestmentsConsolidatedEntitiesPolicy_F5B607AA455420EA30C8D50EB9A06486" xlink:type="locator"/>
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<link:label id="lab_srt_CounterpartyNameAxis_DAFB888390908DD302A9C2D8D4B40D19_terseLabel_en-US" xlink:label="lab_srt_CounterpartyNameAxis_DAFB888390908DD302A9C2D8D4B40D19" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Counterparty Name [Axis] </link:label>
<link:label id="lab_srt_CounterpartyNameAxis_DAFB888390908DD302A9C2D8D4B40D19_label_en-US" xlink:label="lab_srt_CounterpartyNameAxis_DAFB888390908DD302A9C2D8D4B40D19" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Counterparty Name [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_CounterpartyNameAxis" xlink:label="loc_srt_CounterpartyNameAxis_DAFB888390908DD302A9C2D8D4B40D19" xlink:type="locator"/>
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<link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_7CB24A2FA6285B9C89ABC2D8D4B497D8_terseLabel_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain_7CB24A2FA6285B9C89ABC2D8D4B497D8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Counterparty Name [Domain] </link:label>
<link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_7CB24A2FA6285B9C89ABC2D8D4B497D8_label_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain_7CB24A2FA6285B9C89ABC2D8D4B497D8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Counterparty Name [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_RepurchaseAgreementCounterpartyNameDomain" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7CB24A2FA6285B9C89ABC2D8D4B497D8" xlink:type="locator"/>
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<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_3306AF2F26E988CDB708C2D8D4B5DBD1_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_3306AF2F26E988CDB708C2D8D4B5DBD1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2019 </link:label>
<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_3306AF2F26E988CDB708C2D8D4B5DBD1_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_3306AF2F26E988CDB708C2D8D4B5DBD1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Operating Leases, Future Minimum Payments Due, Next Twelve Months </link:label>
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<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_72C663D50FFECF7D96C5C2D8D4B5CE4F_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_72C663D50FFECF7D96C5C2D8D4B5CE4F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2020 </link:label>
<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_72C663D50FFECF7D96C5C2D8D4B5CE4F_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_72C663D50FFECF7D96C5C2D8D4B5CE4F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Operating Leases, Future Minimum Payments, Due in Two Years </link:label>
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<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_0F79BFFD6B8D4AA82174C2D8D4B69D76_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_0F79BFFD6B8D4AA82174C2D8D4B69D76" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2021 </link:label>
<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_0F79BFFD6B8D4AA82174C2D8D4B69D76_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_0F79BFFD6B8D4AA82174C2D8D4B69D76" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Operating Leases, Future Minimum Payments, Due in Three Years </link:label>
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<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_9589EC00878363979841C2D8D4B665F3_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_9589EC00878363979841C2D8D4B665F3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2022 </link:label>
<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_9589EC00878363979841C2D8D4B665F3_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_9589EC00878363979841C2D8D4B665F3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Operating Leases, Future Minimum Payments, Due in Four Years </link:label>
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<link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_91316A0DF131B827654FC2D8D4B61FA8_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_91316A0DF131B827654FC2D8D4B61FA8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 2023 </link:label>
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<link:label id="lab_us-gaap_VestingAxis_B5E2798CD1CA8ED0C443B96ACF4CD83D_label_en-US" xlink:label="lab_us-gaap_VestingAxis_B5E2798CD1CA8ED0C443B96ACF4CD83D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Vesting [Axis] </link:label>
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<link:label id="lab_us-gaap_VestingDomain_9F5A05F4BDB7960B0A7BB96ACF4C614A_terseLabel_en-US" xlink:label="lab_us-gaap_VestingDomain_9F5A05F4BDB7960B0A7BB96ACF4C614A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Vesting [Domain] </link:label>
<link:label id="lab_us-gaap_VestingDomain_9F5A05F4BDB7960B0A7BB96ACF4C614A_label_en-US" xlink:label="lab_us-gaap_VestingDomain_9F5A05F4BDB7960B0A7BB96ACF4C614A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Vesting [Domain] </link:label>
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<link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ADD6097FEF35A52AF527B96ACF4DCB6B_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ADD6097FEF35A52AF527B96ACF4DCB6B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award [Line Items] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ADD6097FEF35A52AF527B96ACF4DCB6B" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_F5EC6C55F27B083EEDD6B96ACF4D4869_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_F5EC6C55F27B083EEDD6B96ACF4D4869" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant </link:label>
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<link:label id="lab_us-gaap_DeferredCompensationLiabilityClassifiedNoncurrent_25C2A8FB632DFD471521B96ACF4E4845_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredCompensationLiabilityClassifiedNoncurrent_25C2A8FB632DFD471521B96ACF4E4845" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Deferred Compensation, Recorded Liability </link:label>
<link:label id="lab_us-gaap_DeferredCompensationLiabilityClassifiedNoncurrent_25C2A8FB632DFD471521B96ACF4E4845_label_en-US" xlink:label="lab_us-gaap_DeferredCompensationLiabilityClassifiedNoncurrent_25C2A8FB632DFD471521B96ACF4E4845" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Deferred Compensation Liability, Classified, Noncurrent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DeferredCompensationLiabilityClassifiedNoncurrent" xlink:label="loc_us-gaap_DeferredCompensationLiabilityClassifiedNoncurrent_25C2A8FB632DFD471521B96ACF4E4845" xlink:type="locator"/>
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<link:label id="lab_unh_UsefulLifeMember_0FDDEF720C8C0E43F483D50EB7EA4804_terseLabel_en-US" xlink:label="lab_unh_UsefulLifeMember_0FDDEF720C8C0E43F483D50EB7EA4804" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Useful Life [Member] </link:label>
<link:label id="lab_unh_UsefulLifeMember_0FDDEF720C8C0E43F483D50EB7EA4804_label_en-US" xlink:label="lab_unh_UsefulLifeMember_0FDDEF720C8C0E43F483D50EB7EA4804" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Useful Life [Member] </link:label>
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<link:loc xlink:href="unh-20181231.xsd#unh_UsefulLifeMember" xlink:label="loc_unh_UsefulLifeMember_0FDDEF720C8C0E43F483D50EB7EA4804" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_105C19CC3FC5373DF244D50EB7EB0382_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_105C19CC3FC5373DF244D50EB7EB0382" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Property, Plant and Equipment [Table Text Block] </link:label>
<link:label id="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_105C19CC3FC5373DF244D50EB7EB0382_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_105C19CC3FC5373DF244D50EB7EB0382" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Property, Plant and Equipment [Table Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_105C19CC3FC5373DF244D50EB7EB0382" xlink:type="locator"/>
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<link:label id="lab_us-gaap_RedeemableNoncontrollingInterestTableTextBlock_0AC6904F48E6B09FF096D50EB7EB0A3A_terseLabel_en-US" xlink:label="lab_us-gaap_RedeemableNoncontrollingInterestTableTextBlock_0AC6904F48E6B09FF096D50EB7EB0A3A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Redeemable Noncontrolling Interest [Table Text Block] </link:label>
<link:label id="lab_us-gaap_RedeemableNoncontrollingInterestTableTextBlock_0AC6904F48E6B09FF096D50EB7EB0A3A_label_en-US" xlink:label="lab_us-gaap_RedeemableNoncontrollingInterestTableTextBlock_0AC6904F48E6B09FF096D50EB7EB0A3A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Redeemable Noncontrolling Interest [Table Text Block] </link:label>
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<link:label id="lab_unh_ScheduleIAbstract_0D76DCA8D500B7B2FF8CAB09D002E1AC_label_en-US" xlink:label="lab_unh_ScheduleIAbstract_0D76DCA8D500B7B2FF8CAB09D002E1AC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Schedule I [Abstract] </link:label>
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<link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_3BA3B1D747C1CE6F8857AB09D009B07F_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_3BA3B1D747C1CE6F8857AB09D009B07F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Cash flows from operating activities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_3BA3B1D747C1CE6F8857AB09D009B07F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PaymentsToFundLongtermLoansToRelatedParties_B0C28262AF7C50DD6232AB0A4FA9FA58_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToFundLongtermLoansToRelatedParties_B0C28262AF7C50DD6232AB0A4FA9FA58" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Issuances of notes to subsidiaries </link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsToFundLongtermLoansToRelatedParties" xlink:label="loc_us-gaap_PaymentsToFundLongtermLoansToRelatedParties_B0C28262AF7C50DD6232AB0A4FA9FA58" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties_33F4B34F8941B051BDD4AB09D009A859_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfLongtermLoansToRelatedParties_33F4B34F8941B051BDD4AB09D009A859" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Repayments of notes to subsidiaries </link:label>
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<link:label id="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_04C2D7A7A7055A492654AB09D00924E7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_04C2D7A7A7055A492654AB09D00924E7" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Cash paid for acquisitions </link:label>
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<link:label id="lab_unh_Capitalcontributionstosubsidiaries_2FBE3C644868D0E6D35EAB09D00A6AD5_negatedTerseLabel_en-US" xlink:label="lab_unh_Capitalcontributionstosubsidiaries_2FBE3C644868D0E6D35EAB09D00A6AD5" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Capital contributions to subsidiaries </link:label>
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<link:label id="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_CBD70B866B389D71952AAB09D00ACA2C_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_CBD70B866B389D71952AAB09D00ACA2C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other, net </link:label>
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<link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_C9D168EE6974095BCA9FAB09D00A70DB_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_C9D168EE6974095BCA9FAB09D00A70DB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Cash flows (used for) from investing activities </link:label>
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<link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_482717445BECCE3A10AAAB09D00A4D90_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_482717445BECCE3A10AAAB09D00A4D90" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Common stock repurchases </link:label>
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<link:label id="lab_us-gaap_PaymentsOfDividends_6855A3B1D3D57B401785AB09D00B1A1B_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividends_6855A3B1D3D57B401785AB09D00B1A1B" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Cash dividends paid </link:label>
<link:label id="lab_us-gaap_PaymentsOfDividends_6855A3B1D3D57B401785AB09D00B1A1B_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividends_6855A3B1D3D57B401785AB09D00B1A1B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments of Dividends </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="loc_us-gaap_PaymentsOfDividends_6855A3B1D3D57B401785AB09D00B1A1B" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_7D77CB128B3EE1FC6F30AB09D00B4ACC_verboseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_7D77CB128B3EE1FC6F30AB09D00B4ACC" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Repayments of commercial paper, net </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfCommercialPaper" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_7D77CB128B3EE1FC6F30AB09D00B4ACC" xlink:type="locator"/>
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<link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_BF17B565EFABFA859381AB09D00BE1A7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt_BF17B565EFABFA859381AB09D00BE1A7" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Repayments of long-term debt </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_BF17B565EFABFA859381AB09D00BE1A7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfLongTermDebt_BF17B565EFABFA859381AB09D00BE1A7" xlink:to="lab_us-gaap_RepaymentsOfLongTermDebt_BF17B565EFABFA859381AB09D00BE1A7" xlink:type="arc"/>
<link:label id="lab_us-gaap_ProceedsFromRepaymentsOfRelatedPartyDebt_A70E314AB53B902FA2BCAB09D00B5DCF_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfRelatedPartyDebt_A70E314AB53B902FA2BCAB09D00B5DCF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> (Repayments) proceeds of notes from subsidiary </link:label>
<link:label id="lab_us-gaap_ProceedsFromRepaymentsOfRelatedPartyDebt_A70E314AB53B902FA2BCAB09D00B5DCF_label_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfRelatedPartyDebt_A70E314AB53B902FA2BCAB09D00B5DCF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Proceeds from (Repayments of) Related Party Debt </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfRelatedPartyDebt" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfRelatedPartyDebt_A70E314AB53B902FA2BCAB09D00B5DCF" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_2B27CAF3BFEFC2F4C417AB09D00C8406_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_2B27CAF3BFEFC2F4C417AB09D00C8406" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Cash flows used for financing activities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2B27CAF3BFEFC2F4C417AB09D00C8406" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_AC12D5237D3F96550537AB09D00C742E_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_AC12D5237D3F96550537AB09D00C742E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Increase in cash and cash equivalents </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_AC12D5237D3F96550537AB09D00C742E" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NotesReduction_F32815DC205DE90E9BA6AB09D00DB10B_terseLabel_en-US" xlink:label="lab_us-gaap_NotesReduction_F32815DC205DE90E9BA6AB09D00DB10B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Conversion of note receivable from subsidiaries to equity </link:label>
<link:label id="lab_us-gaap_NotesReduction_F32815DC205DE90E9BA6AB09D00DB10B_label_en-US" xlink:label="lab_us-gaap_NotesReduction_F32815DC205DE90E9BA6AB09D00DB10B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Notes Reduction </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NotesReduction" xlink:label="loc_us-gaap_NotesReduction_F32815DC205DE90E9BA6AB09D00DB10B" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block] </link:label>
<link:label id="lab_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B_label_en-US" xlink:label="lab_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B" xlink:to="lab_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_0477A4AEB2698667EB2ED50EB71C265B" xlink:type="arc"/>
<link:label id="lab_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336_terseLabel_en-US" xlink:label="lab_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Table Text Block] </link:label>
<link:label id="lab_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336_label_en-US" xlink:label="lab_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Short-duration Insurance Contracts, Reconciliation of Claims Development to Liability [Table Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock" xlink:label="loc_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336" xlink:to="lab_us-gaap_ShortdurationInsuranceContractsReconciliationOfClaimsDevelopmentToLiabilityTableTextBlock_D7C428D38D8B09301088D50EB71CF336" xlink:type="arc"/>
<link:label id="lab_unh_FairValueAbstract_9F4093C3462A30850443D50EB9072BD9_label_en-US" xlink:label="lab_unh_FairValueAbstract_9F4093C3462A30850443D50EB9072BD9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Fair Value [Abstract] </link:label>
<link:label id="lab_unh_FairValueAbstract_9F4093C3462A30850443D50EB9072BD9_documentation_en-US" xlink:label="lab_unh_FairValueAbstract_9F4093C3462A30850443D50EB9072BD9" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Fair Value [Abstract] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_FairValueAbstract" xlink:label="loc_unh_FairValueAbstract_9F4093C3462A30850443D50EB9072BD9" xlink:type="locator"/>
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<link:label id="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_433C30A26A77E42D98A9D50EB9098CBC_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_433C30A26A77E42D98A9D50EB9098CBC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Fair Value Measurement, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_433C30A26A77E42D98A9D50EB9098CBC_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_433C30A26A77E42D98A9D50EB9098CBC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Fair Value Measurement, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:label="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_433C30A26A77E42D98A9D50EB9098CBC" xlink:type="locator"/>
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<link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_0A35B3F1EA859553C3FAD50EB771957D_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock_0A35B3F1EA859553C3FAD50EB771957D" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Fair Value [Text Block] </link:label>
<link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_0A35B3F1EA859553C3FAD50EB771957D_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock_0A35B3F1EA859553C3FAD50EB771957D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Fair Value Disclosures [Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_0A35B3F1EA859553C3FAD50EB771957D" xlink:type="locator"/>
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<link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_AF7385745806862855F6D50EB74DDA1E_verboseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock_AF7385745806862855F6D50EB74DDA1E" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Segment Financial Information [Text Block] </link:label>
<link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_AF7385745806862855F6D50EB74DDA1E_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock_AF7385745806862855F6D50EB74DDA1E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Segment Reporting Disclosure [Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_AF7385745806862855F6D50EB74DDA1E" xlink:type="locator"/>
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<link:label id="lab_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500_terseLabel_en-US" xlink:label="lab_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Pharmaceutical manufacturer rebates receivable [Axis] </link:label>
<link:label id="lab_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500_label_en-US" xlink:label="lab_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Pharmaceutical manufacturer rebates receivable [Axis] </link:label>
<link:label id="lab_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500_documentation_en-US" xlink:label="lab_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Pharmaceutical manufacturer rebates receivable </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_PharmaceuticalmanufacturerrebatesreceivableAxis" xlink:label="loc_unh_PharmaceuticalmanufacturerrebatesreceivableAxis_1DF6C2B5F645E02F3E4FBF3CD48F9500" xlink:type="locator"/>
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<link:label id="lab_unh_PharmaceuticalmanufacturerrebatesreceivableDomain_5AD7D9840929DF81FAEBBF3CD48FC080_terseLabel_en-US" xlink:label="lab_unh_PharmaceuticalmanufacturerrebatesreceivableDomain_5AD7D9840929DF81FAEBBF3CD48FC080" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Pharmaceutical manufacturer rebates receivable [Domain] </link:label>
<link:label id="lab_unh_PharmaceuticalmanufacturerrebatesreceivableDomain_5AD7D9840929DF81FAEBBF3CD48FC080_label_en-US" xlink:label="lab_unh_PharmaceuticalmanufacturerrebatesreceivableDomain_5AD7D9840929DF81FAEBBF3CD48FC080" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Pharmaceutical manufacturer rebates receivable [Domain] </link:label>
<link:label id="lab_unh_PharmaceuticalmanufacturerrebatesreceivableDomain_5AD7D9840929DF81FAEBBF3CD48FC080_documentation_en-US" xlink:label="lab_unh_PharmaceuticalmanufacturerrebatesreceivableDomain_5AD7D9840929DF81FAEBBF3CD48FC080" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> [Domain] for Pharmaceutical manufacturer rebates receivable </link:label>
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<link:label id="lab_unh_PharmaceuticalManufacturerRebatesReceivableMember_B716C9E3B7EDE15582F1BF3CD4906C51_terseLabel_en-US" xlink:label="lab_unh_PharmaceuticalManufacturerRebatesReceivableMember_B716C9E3B7EDE15582F1BF3CD4906C51" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Pharmaceutical Manufacturer Rebates Receivable [Member] </link:label>
<link:label id="lab_unh_PharmaceuticalManufacturerRebatesReceivableMember_B716C9E3B7EDE15582F1BF3CD4906C51_label_en-US" xlink:label="lab_unh_PharmaceuticalManufacturerRebatesReceivableMember_B716C9E3B7EDE15582F1BF3CD4906C51" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> PharmaceuticalManufacturerRebatesReceivable [Member] </link:label>
<link:label id="lab_unh_PharmaceuticalManufacturerRebatesReceivableMember_B716C9E3B7EDE15582F1BF3CD4906C51_documentation_en-US" xlink:label="lab_unh_PharmaceuticalManufacturerRebatesReceivableMember_B716C9E3B7EDE15582F1BF3CD4906C51" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> PharmaceuticalManufacturerRebatesReceivable [Member] </link:label>
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<link:label id="lab_srt_ProductOrServiceAxis_684B9C82D562188269E8BF3CD490A076_terseLabel_en-US" xlink:label="lab_srt_ProductOrServiceAxis_684B9C82D562188269E8BF3CD490A076" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Product and Service [Axis] </link:label>
<link:label id="lab_srt_ProductOrServiceAxis_684B9C82D562188269E8BF3CD490A076_label_en-US" xlink:label="lab_srt_ProductOrServiceAxis_684B9C82D562188269E8BF3CD490A076" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Product and Service [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_ProductOrServiceAxis" xlink:label="loc_srt_ProductOrServiceAxis_684B9C82D562188269E8BF3CD490A076" xlink:type="locator"/>
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<link:label id="lab_srt_ProductsAndServicesDomain_3DE14A9276CD64FB4C20BF3CD4901482_terseLabel_en-US" xlink:label="lab_srt_ProductsAndServicesDomain_3DE14A9276CD64FB4C20BF3CD4901482" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Product and Service [Domain] </link:label>
<link:label id="lab_srt_ProductsAndServicesDomain_3DE14A9276CD64FB4C20BF3CD4901482_label_en-US" xlink:label="lab_srt_ProductsAndServicesDomain_3DE14A9276CD64FB4C20BF3CD4901482" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Product and Service [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_ProductsAndServicesDomain" xlink:label="loc_srt_ProductsAndServicesDomain_3DE14A9276CD64FB4C20BF3CD4901482" xlink:type="locator"/>
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<link:label id="lab_us-gaap_HealthInsuranceProductLineMember_8FD35DCE16EE1CB97AA9BF3CD4916468_terseLabel_en-US" xlink:label="lab_us-gaap_HealthInsuranceProductLineMember_8FD35DCE16EE1CB97AA9BF3CD4916468" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Health Insurance Product Line [Member] </link:label>
<link:label id="lab_us-gaap_HealthInsuranceProductLineMember_8FD35DCE16EE1CB97AA9BF3CD4916468_label_en-US" xlink:label="lab_us-gaap_HealthInsuranceProductLineMember_8FD35DCE16EE1CB97AA9BF3CD4916468" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Health Insurance Product Line [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_HealthInsuranceProductLineMember" xlink:label="loc_us-gaap_HealthInsuranceProductLineMember_8FD35DCE16EE1CB97AA9BF3CD4916468" xlink:type="locator"/>
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<link:label id="lab_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131_terseLabel_en-US" xlink:label="lab_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Products and services [Member] </link:label>
<link:label id="lab_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131_label_en-US" xlink:label="lab_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Products and services [Member] </link:label>
<link:label id="lab_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131_documentation_en-US" xlink:label="lab_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Products and services [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_ProductsandservicesMember" xlink:label="loc_unh_ProductsandservicesMember_3E4F3833D90994B77973BF3CD4915131" xlink:type="locator"/>
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<link:label id="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_05C9B0EF66329BE34906BF3CD4916B14_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_05C9B0EF66329BE34906BF3CD4916B14" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Adjustments for New Accounting Pronouncements [Axis] </link:label>
<link:label id="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_05C9B0EF66329BE34906BF3CD4916B14_label_en-US" xlink:label="lab_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_05C9B0EF66329BE34906BF3CD4916B14" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Adjustments for New Accounting Pronouncements [Axis] </link:label>
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<link:label id="lab_us-gaap_TypeOfAdoptionMember_8FC5CA67E290AC126DF9BF3CD49149CD_terseLabel_en-US" xlink:label="lab_us-gaap_TypeOfAdoptionMember_8FC5CA67E290AC126DF9BF3CD49149CD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Type of Adoption [Domain] </link:label>
<link:label id="lab_us-gaap_TypeOfAdoptionMember_8FC5CA67E290AC126DF9BF3CD49149CD_label_en-US" xlink:label="lab_us-gaap_TypeOfAdoptionMember_8FC5CA67E290AC126DF9BF3CD49149CD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Type of Adoption [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_8FC5CA67E290AC126DF9BF3CD49149CD" xlink:type="locator"/>
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<link:label id="lab_us-gaap_AccountingStandardsUpdate201602Member_0047E17F9E7AC1C6C6D1BF3CD491A4DE_terseLabel_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdate201602Member_0047E17F9E7AC1C6C6D1BF3CD491A4DE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Accounting Standards Update 2016-02 [Member] </link:label>
<link:label id="lab_us-gaap_AccountingStandardsUpdate201602Member_0047E17F9E7AC1C6C6D1BF3CD491A4DE_label_en-US" xlink:label="lab_us-gaap_AccountingStandardsUpdate201602Member_0047E17F9E7AC1C6C6D1BF3CD491A4DE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Accounting Standards Update 2016-02 [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AccountingStandardsUpdate201602Member" xlink:label="loc_us-gaap_AccountingStandardsUpdate201602Member_0047E17F9E7AC1C6C6D1BF3CD491A4DE" xlink:type="locator"/>
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<link:label id="lab_us-gaap_RestrictedStockMember_ADB01BC727AA01748847BF3CD493C66F_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockMember_ADB01BC727AA01748847BF3CD493C66F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Restricted Stock [Member] </link:label>
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<link:label id="lab_us-gaap_BalanceSheetLocationAxis_A4942858FD57B725EA64BF3CD49566B8_terseLabel_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationAxis_A4942858FD57B725EA64BF3CD49566B8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Balance Sheet Location [Axis] </link:label>
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<link:label id="lab_unh_ShortdurationInsuranceContractsHistoricalClaimsDurationFirst90Days_4418E843A2D93CEA820ABF3CD4970B0D_terseLabel_en-US" xlink:label="lab_unh_ShortdurationInsuranceContractsHistoricalClaimsDurationFirst90Days_4418E843A2D93CEA820ABF3CD4970B0D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Short-duration Insurance Contracts, Historical Claims Duration, First 90 Days </link:label>
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<link:label id="lab_us-gaap_DemandDepositAccounts_084C1A528794349C5796BF3CD4978523_terseLabel_en-US" xlink:label="lab_us-gaap_DemandDepositAccounts_084C1A528794349C5796BF3CD4978523" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Health savings account deposits </link:label>
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<link:label id="lab_us-gaap_OtherLiabilitiesCurrent_9A403556A77B884A1606BF3CD498392D_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesCurrent_9A403556A77B884A1606BF3CD498392D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other Liabilities, Current </link:label>
<link:label id="lab_us-gaap_OtherLiabilitiesCurrent_9A403556A77B884A1606BF3CD498392D_label_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesCurrent_9A403556A77B884A1606BF3CD498392D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Liabilities, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherLiabilitiesCurrent" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_9A403556A77B884A1606BF3CD498392D" xlink:type="locator"/>
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<link:label id="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_9B46D7D94E1560D25853D50EB8C28813_terseLabel_en-US" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_9B46D7D94E1560D25853D50EB8C28813" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Basis of Accounting, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_9B46D7D94E1560D25853D50EB8C28813_label_en-US" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_9B46D7D94E1560D25853D50EB8C28813" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Basis of Accounting, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_9B46D7D94E1560D25853D50EB8C28813" xlink:type="locator"/>
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<link:label id="lab_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660_terseLabel_en-US" xlink:label="lab_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Use of Estimates, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660_label_en-US" xlink:label="lab_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Use of Estimates, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="loc_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660" xlink:to="lab_us-gaap_UseOfEstimates_72FCC907E7183202CDF7D50EB8C25660" xlink:type="arc"/>
<link:label id="lab_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A_terseLabel_en-US" xlink:label="lab_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Revenue Recognition, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A_label_en-US" xlink:label="lab_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Revenue Recognition, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RevenueRecognitionPolicyTextBlock" xlink:label="loc_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A" xlink:to="lab_us-gaap_RevenueRecognitionPolicyTextBlock_B03A1FE551DF108BDA4DD50EB8C21C0A" xlink:type="arc"/>
<link:label id="lab_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6_terseLabel_en-US" xlink:label="lab_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Medical Costs and Medical Costs Payable [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6_label_en-US" xlink:label="lab_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Unpaid Policy Claims and Claims Adjustment Expense, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy" xlink:label="loc_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6" xlink:to="lab_us-gaap_UnpaidPolicyClaimsAndClaimsAdjustmentExpensePolicy_517B226AB1661525FFD9D50EB8C3B2B6" xlink:type="arc"/>
<link:label id="lab_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208_terseLabel_en-US" xlink:label="lab_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Cost of Sales, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208_label_en-US" xlink:label="lab_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Cost of Sales, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CostOfSalesPolicyTextBlock" xlink:label="loc_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208" xlink:to="lab_us-gaap_CostOfSalesPolicyTextBlock_D753C3C2AD8142103859D50EB8C35208" xlink:type="arc"/>
<link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Cash and Cash Equivalents, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Cash and Cash Equivalents, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51" xlink:to="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_652A3CB765A478BC3783D50EB8C3EB51" xlink:type="arc"/>
<link:label id="lab_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Investment, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6_label_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Investment, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6" xlink:to="lab_us-gaap_InvestmentPolicyTextBlock_FCA63C78EFDF6ACA1443D50EB8C35CC6" xlink:type="arc"/>
<link:label id="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7_terseLabel_en-US" xlink:label="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> AARP Assets Under Management [Policy Text Block] </link:label>
<link:label id="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7_label_en-US" xlink:label="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> AARP Assets Under Management [Policy Text Block] </link:label>
<link:label id="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7_documentation_en-US" xlink:label="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> AARP Assets Under Management [Policy Text Block] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_AARPAssetsUnderManagementPolicyTextBlock" xlink:label="loc_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7" xlink:to="lab_unh_AARPAssetsUnderManagementPolicyTextBlock_D320458B58131BBA8BB5D50EB8C3D0D7" xlink:type="arc"/>
<link:label id="lab_us-gaap_ReceivablesPolicyTextBlock_85D0BFEB753FF4F9CF4FD50EB8C37FFD_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivablesPolicyTextBlock_85D0BFEB753FF4F9CF4FD50EB8C37FFD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Receivables, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_ReceivablesPolicyTextBlock_85D0BFEB753FF4F9CF4FD50EB8C37FFD_label_en-US" xlink:label="lab_us-gaap_ReceivablesPolicyTextBlock_85D0BFEB753FF4F9CF4FD50EB8C37FFD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Receivables, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ReceivablesPolicyTextBlock" xlink:label="loc_us-gaap_ReceivablesPolicyTextBlock_85D0BFEB753FF4F9CF4FD50EB8C37FFD" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5B76334DBCDDAB563FE9D50EB8C3146A_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5B76334DBCDDAB563FE9D50EB8C3146A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Property, Plant and Equipment, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5B76334DBCDDAB563FE9D50EB8C3146A_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5B76334DBCDDAB563FE9D50EB8C3146A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Property, Plant and Equipment, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5B76334DBCDDAB563FE9D50EB8C3146A" xlink:type="locator"/>
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<link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_90852815D84CA89E267DD50EB8C475DF_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_90852815D84CA89E267DD50EB8C475DF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_90852815D84CA89E267DD50EB8C475DF_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_90852815D84CA89E267DD50EB8C475DF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_90852815D84CA89E267DD50EB8C475DF" xlink:type="locator"/>
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<link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy_FFB45A121CA34D387ED1D50EB8C4C818_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy_FFB45A121CA34D387ED1D50EB8C4C818" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Goodwill and Intangible Assets, Intangible Assets, Policy [Policy Text Block] </link:label>
<link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy_FFB45A121CA34D387ED1D50EB8C4C818_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy_FFB45A121CA34D387ED1D50EB8C4C818" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill and Intangible Assets, Intangible Assets, Policy [Policy Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy_FFB45A121CA34D387ED1D50EB8C4C818" xlink:type="locator"/>
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<link:label id="lab_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4_terseLabel_en-US" xlink:label="lab_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other Current Liabilities [Policy Text Block] </link:label>
<link:label id="lab_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4_label_en-US" xlink:label="lab_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Liabilities, Current [Policy Text Block] </link:label>
<link:label id="lab_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4_documentation_en-US" xlink:label="lab_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Other Liabilities, Current [Policy Text Block] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_OtherLiabilitiesCurrentPolicyTextBlock" xlink:label="loc_unh_OtherLiabilitiesCurrentPolicyTextBlock_7961C75A7A247D034530D50EB8C41EC4" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy_AC288A330CF2C0507D1DD50EB8C51B4D_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy_AC288A330CF2C0507D1DD50EB8C51B4D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Deferred Policy Acquisition Costs, Policy [Policy Text Block] </link:label>
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<link:label id="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_8F380F233B1445F35688D50EB8C5653E_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_8F380F233B1445F35688D50EB8C5653E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block] </link:label>
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<link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_945BE77AF31FFE8B714BC2CB5BF0CE47_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable_945BE77AF31FFE8B714BC2CB5BF0CE47" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Fair Value, by Balance Sheet Grouping [Table] </link:label>
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<link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_B700368B09CAB2FB87D5C2CB5BF4E928_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_B700368B09CAB2FB87D5C2CB5BF4E928" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3 </link:label>
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<link:label id="lab_unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis_8303174FDE445A80858DC2CB5BF5B63A_terseLabel_en-US" xlink:label="lab_unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis_8303174FDE445A80858DC2CB5BF5B63A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Significant fair value adjustments for assets and liabilities measured on a nonrecurring basis </link:label>
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<link:label id="lab_us-gaap_ScheduleOfInvestmentsTable_B13BD35A84AA874AE4A8C721F8CED0CF_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfInvestmentsTable_B13BD35A84AA874AE4A8C721F8CED0CF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Schedule of Investments [Table] </link:label>
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<link:label id="lab_us-gaap_USTreasuryAndGovernmentMember_309D9C5BE2E0158E7A47C721F8CF888F_terseLabel_en-US" xlink:label="lab_us-gaap_USTreasuryAndGovernmentMember_309D9C5BE2E0158E7A47C721F8CF888F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> U.S. Government and Agency Obligations [Member] </link:label>
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<link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_DB79D192029F4725D8C7A481A8989CC0_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_DB79D192029F4725D8C7A481A8989CC0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Total debt securities - available-for-sale, Amortized Cost </link:label>
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<link:label id="lab_unh_AarpAssetsUnderManagement_CD93FDCFFBB9020938D996767F98435A_terseLabel_en-US" xlink:label="lab_unh_AarpAssetsUnderManagement_CD93FDCFFBB9020938D996767F98435A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Assets under management </link:label>
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<link:label id="lab_us-gaap_InvestmentsFairValueDisclosure_5EEBDA94572F67DDDF80C23239C79F60_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsFairValueDisclosure_5EEBDA94572F67DDDF80C23239C79F60" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Investments, Fair Value Disclosure </link:label>
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<link:label id="lab_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_985B5049BF574CABE15CD50EB9E1378B_terseLabel_en-US" xlink:label="lab_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_985B5049BF574CABE15CD50EB9E1378B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Table] </link:label>
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<link:label id="lab_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_9B634FEC76CE76A32A96D50EB9E2908B_terseLabel_en-US" xlink:label="lab_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_9B634FEC76CE76A32A96D50EB9E2908B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items] </link:label>
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<link:label id="lab_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_A6505781C323E7405BBDD50EB9E2CAB7_periodStartLabel_en-US" xlink:label="lab_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_A6505781C323E7405BBDD50EB9E2CAB7" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US"> Medical costs payable, beginning of period </link:label>
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<link:label id="lab_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseBusinessAcquisitions_0F0B8DE509DA7EE32420D50EB9E2DA85_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseBusinessAcquisitions_0F0B8DE509DA7EE32420D50EB9E2DA85" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Acquisitions </link:label>
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<link:label id="lab_us-gaap_ConcentrationRiskPercentage1_92AA46CEC42ED794EF01BEDA58AFCE3F_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskPercentage1_92AA46CEC42ED794EF01BEDA58AFCE3F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Concentration Risk, Percentage </link:label>
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<link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_DADAFF56816C762B4D83C720F7A6C818_label_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract_DADAFF56816C762B4D83C720F7A6C818" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Statement of Stockholders' Equity [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_DADAFF56816C762B4D83C720F7A6C818" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CommonStockDividendsPerShareCashPaid_8CC26CCE41BAB86AB87CC720F7A62E8F_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid_8CC26CCE41BAB86AB87CC720F7A62E8F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Cash dividends per common share </link:label>
<link:label id="lab_us-gaap_CommonStockDividendsPerShareCashPaid_8CC26CCE41BAB86AB87CC720F7A62E8F_label_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid_8CC26CCE41BAB86AB87CC720F7A62E8F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Common Stock, Dividends, Per Share, Cash Paid </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CommonStockDividendsPerShareCashPaid" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_8CC26CCE41BAB86AB87CC720F7A62E8F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_2A841CDAE0A76605D8CE86CEDD78B4E0_label_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract_2A841CDAE0A76605D8CE86CEDD78B4E0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Statement of Financial Position [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_2A841CDAE0A76605D8CE86CEDD78B4E0" xlink:type="locator"/>
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<link:label id="lab_srt_CondensedBalanceSheetStatementTable_7516B6E8F2FF5445B36286CEDD7883DC_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable_7516B6E8F2FF5445B36286CEDD7883DC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Condensed Balance Sheet Statement [Table] </link:label>
<link:label id="lab_srt_CondensedBalanceSheetStatementTable_7516B6E8F2FF5445B36286CEDD7883DC_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable_7516B6E8F2FF5445B36286CEDD7883DC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Condensed Balance Sheet Statement [Table] </link:label>
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<link:label id="lab_us-gaap_AssetsAbstract_ED5E8F5C2175488112E786CEDD7A85B9_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract_ED5E8F5C2175488112E786CEDD7A85B9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Assets </link:label>
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<link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_9B254958B79E954F980686CEDD7A1542_verboseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_9B254958B79E954F980686CEDD7A1542" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Cash and cash equivalents </link:label>
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<link:label id="lab_unh_EquityinNetAssetsofSubsidiaries_BED0D652FC4BBF9F665286CEDD7BB159_terseLabel_en-US" xlink:label="lab_unh_EquityinNetAssetsofSubsidiaries_BED0D652FC4BBF9F665286CEDD7BB159" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Equity in net assets of subsidiaries </link:label>
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<link:label id="lab_us-gaap_NotesReceivableRelatedPartiesNoncurrent_762F66A458B7530317CE86CEDD7B627D_label_en-US" xlink:label="lab_us-gaap_NotesReceivableRelatedPartiesNoncurrent_762F66A458B7530317CE86CEDD7B627D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Notes Receivable, Related Parties, Noncurrent </link:label>
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<link:label id="lab_us-gaap_OtherAssetsNoncurrent_7331B17486FD0E5499C686CEDD7B228B_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsNoncurrent_7331B17486FD0E5499C686CEDD7B228B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other assets </link:label>
<link:label id="lab_us-gaap_OtherAssetsNoncurrent_7331B17486FD0E5499C686CEDD7B228B_label_en-US" xlink:label="lab_us-gaap_OtherAssetsNoncurrent_7331B17486FD0E5499C686CEDD7B228B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Assets, Noncurrent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherAssetsNoncurrent" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_7331B17486FD0E5499C686CEDD7B228B" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_ACF7B2E428F5F2B40DFA86CEDD7CD0E1_verboseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_ACF7B2E428F5F2B40DFA86CEDD7CD0E1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Liabilities and stockholders’ equity </link:label>
<link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_ACF7B2E428F5F2B40DFA86CEDD7CD0E1_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_ACF7B2E428F5F2B40DFA86CEDD7CD0E1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Liabilities and Equity [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_ACF7B2E428F5F2B40DFA86CEDD7CD0E1" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LiabilitiesCurrentAbstract_61C09959BA25FCBF347486CEDD7C1020_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesCurrentAbstract_61C09959BA25FCBF347486CEDD7C1020" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Current liabilities: </link:label>
<link:label id="lab_us-gaap_LiabilitiesCurrentAbstract_61C09959BA25FCBF347486CEDD7C1020_label_en-US" xlink:label="lab_us-gaap_LiabilitiesCurrentAbstract_61C09959BA25FCBF347486CEDD7C1020" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Liabilities, Current [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesCurrentAbstract" xlink:label="loc_us-gaap_LiabilitiesCurrentAbstract_61C09959BA25FCBF347486CEDD7C1020" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NotesPayableRelatedPartiesClassifiedCurrent_E5087E5A751666F7F7DE86CEDD7C188F_terseLabel_en-US" xlink:label="lab_us-gaap_NotesPayableRelatedPartiesClassifiedCurrent_E5087E5A751666F7F7DE86CEDD7C188F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Current portion of notes payable to subsidiaries </link:label>
<link:label id="lab_us-gaap_NotesPayableRelatedPartiesClassifiedCurrent_E5087E5A751666F7F7DE86CEDD7C188F_label_en-US" xlink:label="lab_us-gaap_NotesPayableRelatedPartiesClassifiedCurrent_E5087E5A751666F7F7DE86CEDD7C188F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Notes Payable, Related Parties, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NotesPayableRelatedPartiesClassifiedCurrent" xlink:label="loc_us-gaap_NotesPayableRelatedPartiesClassifiedCurrent_E5087E5A751666F7F7DE86CEDD7C188F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LongTermDebtCurrent_621B854E9CB7B19305F086CEDD7DDD53_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtCurrent_621B854E9CB7B19305F086CEDD7DDD53" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Commercial paper and current maturities of long-term debt </link:label>
<link:label id="lab_us-gaap_LongTermDebtCurrent_621B854E9CB7B19305F086CEDD7DDD53_label_en-US" xlink:label="lab_us-gaap_LongTermDebtCurrent_621B854E9CB7B19305F086CEDD7DDD53" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Long-term Debt, Current Maturities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LongTermDebtCurrent" xlink:label="loc_us-gaap_LongTermDebtCurrent_621B854E9CB7B19305F086CEDD7DDD53" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LiabilitiesCurrent_E69AC64741756584853C86CEDD7D12E8_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesCurrent_E69AC64741756584853C86CEDD7D12E8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Total current liabilities </link:label>
<link:label id="lab_us-gaap_LiabilitiesCurrent_E69AC64741756584853C86CEDD7D12E8_label_en-US" xlink:label="lab_us-gaap_LiabilitiesCurrent_E69AC64741756584853C86CEDD7D12E8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Liabilities, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesCurrent" xlink:label="loc_us-gaap_LiabilitiesCurrent_E69AC64741756584853C86CEDD7D12E8" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LongTermDebtNoncurrent_B8CCBF224C894ED10C9886CEDD7DB8BF_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtNoncurrent_B8CCBF224C894ED10C9886CEDD7DB8BF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Long-term debt, less current maturities </link:label>
<link:label id="lab_us-gaap_LongTermDebtNoncurrent_B8CCBF224C894ED10C9886CEDD7DB8BF_label_en-US" xlink:label="lab_us-gaap_LongTermDebtNoncurrent_B8CCBF224C894ED10C9886CEDD7DB8BF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Long-term Debt, Excluding Current Maturities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LongTermDebtNoncurrent" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_B8CCBF224C894ED10C9886CEDD7DB8BF" xlink:type="locator"/>
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<link:label id="lab_us-gaap_NotesPayableRelatedPartiesNoncurrent_FD547A926A253CF391C786CEDD7DF9E1_terseLabel_en-US" xlink:label="lab_us-gaap_NotesPayableRelatedPartiesNoncurrent_FD547A926A253CF391C786CEDD7DF9E1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Long-term notes payable to subsidiaries </link:label>
<link:label id="lab_us-gaap_NotesPayableRelatedPartiesNoncurrent_FD547A926A253CF391C786CEDD7DF9E1_label_en-US" xlink:label="lab_us-gaap_NotesPayableRelatedPartiesNoncurrent_FD547A926A253CF391C786CEDD7DF9E1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Notes Payable, Related Parties, Noncurrent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_NotesPayableRelatedPartiesNoncurrent" xlink:label="loc_us-gaap_NotesPayableRelatedPartiesNoncurrent_FD547A926A253CF391C786CEDD7DF9E1" xlink:type="locator"/>
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<link:label id="lab_us-gaap_OtherLiabilitiesNoncurrent_13B6C00BCDEA6958B28086CEDD7D6A10_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesNoncurrent_13B6C00BCDEA6958B28086CEDD7D6A10" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other liabilities </link:label>
<link:label id="lab_us-gaap_OtherLiabilitiesNoncurrent_13B6C00BCDEA6958B28086CEDD7D6A10_label_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesNoncurrent_13B6C00BCDEA6958B28086CEDD7D6A10" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Liabilities, Noncurrent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherLiabilitiesNoncurrent" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_13B6C00BCDEA6958B28086CEDD7D6A10" xlink:type="locator"/>
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<link:label id="lab_us-gaap_Liabilities_A5796AD3170B75BCB5E086CEDD7DFAFE_terseLabel_en-US" xlink:label="lab_us-gaap_Liabilities_A5796AD3170B75BCB5E086CEDD7DFAFE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Total liabilities </link:label>
<link:label id="lab_us-gaap_Liabilities_A5796AD3170B75BCB5E086CEDD7DFAFE_label_en-US" xlink:label="lab_us-gaap_Liabilities_A5796AD3170B75BCB5E086CEDD7DFAFE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Liabilities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_A5796AD3170B75BCB5E086CEDD7DFAFE" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CommitmentsAndContingencies_54CCE58E7A6E1A9AA0D886CEDD7D9556_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies_54CCE58E7A6E1A9AA0D886CEDD7D9556" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Commitments and contingencies (Note 4) </link:label>
<link:label id="lab_us-gaap_CommitmentsAndContingencies_54CCE58E7A6E1A9AA0D886CEDD7D9556_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies_54CCE58E7A6E1A9AA0D886CEDD7D9556" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Commitments and Contingencies </link:label>
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<link:label id="lab_unh_ShareholdersEquityAbstract_A3B74262803B75D71C4086CEDD7E4E39_terseLabel_en-US" xlink:label="lab_unh_ShareholdersEquityAbstract_A3B74262803B75D71C4086CEDD7E4E39" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Shareholders’ equity: </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_ShareholdersEquityAbstract" xlink:label="loc_unh_ShareholdersEquityAbstract_A3B74262803B75D71C4086CEDD7E4E39" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PreferredStockValue_41E62EC96A744FBD417886CEDD7E5664_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue_41E62EC96A744FBD417886CEDD7E5664" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Preferred stock, $0.001 par value - 10 shares authorized; no shares issued or outstanding </link:label>
<link:label id="lab_us-gaap_PreferredStockValue_41E62EC96A744FBD417886CEDD7E5664_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue_41E62EC96A744FBD417886CEDD7E5664" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Preferred Stock, Value, Issued </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaap_PreferredStockValue_41E62EC96A744FBD417886CEDD7E5664" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CommonStockValue_4A789431CBDD7E27BA7286CEDD7EC9DD_label_en-US" xlink:label="lab_us-gaap_CommonStockValue_4A789431CBDD7E27BA7286CEDD7EC9DD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Common Stock, Value, Issued </link:label>
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<link:label id="lab_us-gaap_AdditionalPaidInCapital_A1802388F073098FC8C486CEDD7E4E26_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital_A1802388F073098FC8C486CEDD7E4E26" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Additional paid-in capital </link:label>
<link:label id="lab_us-gaap_AdditionalPaidInCapital_A1802388F073098FC8C486CEDD7E4E26_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital_A1802388F073098FC8C486CEDD7E4E26" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Additional Paid in Capital </link:label>
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<link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_ADD014AC34043D5C436C86CEDD7E9EE9_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit_ADD014AC34043D5C436C86CEDD7E9EE9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Retained earnings </link:label>
<link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_ADD014AC34043D5C436C86CEDD7E9EE9_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit_ADD014AC34043D5C436C86CEDD7E9EE9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Retained Earnings (Accumulated Deficit) </link:label>
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<link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_BFC2804316D2B244CF1586CEDD7EF91C_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_BFC2804316D2B244CF1586CEDD7EF91C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Accumulated other comprehensive loss </link:label>
<link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_BFC2804316D2B244CF1586CEDD7EF91C_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_BFC2804316D2B244CF1586CEDD7EF91C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Accumulated Other Comprehensive Income (Loss), Net of Tax </link:label>
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<link:label id="lab_us-gaap_StockholdersEquity_3E5EFE7935442A23E8F786CEDD7F6FBA_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity_3E5EFE7935442A23E8F786CEDD7F6FBA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Total UnitedHealth Group shareholders’ equity </link:label>
<link:label id="lab_us-gaap_StockholdersEquity_3E5EFE7935442A23E8F786CEDD7F6FBA_label_en-US" xlink:label="lab_us-gaap_StockholdersEquity_3E5EFE7935442A23E8F786CEDD7F6FBA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Stockholders' Equity Attributable to Parent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_3E5EFE7935442A23E8F786CEDD7F6FBA" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_CC65F1BD101251E1E71C86CEDD7FF66F_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity_CC65F1BD101251E1E71C86CEDD7FF66F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Total liabilities and shareholders’ equity </link:label>
<link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_CC65F1BD101251E1E71C86CEDD7FF66F_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity_CC65F1BD101251E1E71C86CEDD7FF66F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Liabilities and Equity </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_CC65F1BD101251E1E71C86CEDD7FF66F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_D61B3D543E9557342010D50EB74A9BB6_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_D61B3D543E9557342010D50EB74A9BB6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Disclosure of Compensation Related Costs, Share-based Payments [Abstract] </link:label>
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<link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_96F4BB248CBD681D8793D50EB723CF99_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_96F4BB248CBD681D8793D50EB723CF99" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Goodwill Disclosure [Text Block] </link:label>
<link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_96F4BB248CBD681D8793D50EB723CF99_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_96F4BB248CBD681D8793D50EB723CF99" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Goodwill and Intangible Assets Disclosure [Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_96F4BB248CBD681D8793D50EB723CF99" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LandAndLandImprovements_E34CE1BE1311C6AC0E55D50EB7A65DDB_terseLabel_en-US" xlink:label="lab_us-gaap_LandAndLandImprovements_E34CE1BE1311C6AC0E55D50EB7A65DDB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Land and improvements </link:label>
<link:label id="lab_us-gaap_LandAndLandImprovements_E34CE1BE1311C6AC0E55D50EB7A65DDB_label_en-US" xlink:label="lab_us-gaap_LandAndLandImprovements_E34CE1BE1311C6AC0E55D50EB7A65DDB" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Land and Land Improvements </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LandAndLandImprovements" xlink:label="loc_us-gaap_LandAndLandImprovements_E34CE1BE1311C6AC0E55D50EB7A65DDB" xlink:type="locator"/>
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<link:label id="lab_us-gaap_BuildingsAndImprovementsGross_E1D8AE12A680CDD413F6D50EB7A69512_terseLabel_en-US" xlink:label="lab_us-gaap_BuildingsAndImprovementsGross_E1D8AE12A680CDD413F6D50EB7A69512" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Buildings and improvements </link:label>
<link:label id="lab_us-gaap_BuildingsAndImprovementsGross_E1D8AE12A680CDD413F6D50EB7A69512_label_en-US" xlink:label="lab_us-gaap_BuildingsAndImprovementsGross_E1D8AE12A680CDD413F6D50EB7A69512" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Buildings and Improvements, Gross </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_BuildingsAndImprovementsGross" xlink:label="loc_us-gaap_BuildingsAndImprovementsGross_E1D8AE12A680CDD413F6D50EB7A69512" xlink:type="locator"/>
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<link:label id="lab_us-gaap_MachineryAndEquipmentGross_DD28BC2C59DA4D3D0332D50EB7A60849_terseLabel_en-US" xlink:label="lab_us-gaap_MachineryAndEquipmentGross_DD28BC2C59DA4D3D0332D50EB7A60849" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Computer equipment </link:label>
<link:label id="lab_us-gaap_MachineryAndEquipmentGross_DD28BC2C59DA4D3D0332D50EB7A60849_label_en-US" xlink:label="lab_us-gaap_MachineryAndEquipmentGross_DD28BC2C59DA4D3D0332D50EB7A60849" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Machinery and Equipment, Gross </link:label>
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<link:label id="lab_us-gaap_FurnitureAndFixturesGross_EB568B46131D7FAB10C9D50EB7A71864_terseLabel_en-US" xlink:label="lab_us-gaap_FurnitureAndFixturesGross_EB568B46131D7FAB10C9D50EB7A71864" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Furniture and fixtures </link:label>
<link:label id="lab_us-gaap_FurnitureAndFixturesGross_EB568B46131D7FAB10C9D50EB7A71864_label_en-US" xlink:label="lab_us-gaap_FurnitureAndFixturesGross_EB568B46131D7FAB10C9D50EB7A71864" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Furniture and Fixtures, Gross </link:label>
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<link:label id="lab_us-gaap_PropertyPlantAndEquipmentOtherAccumulatedDepreciation_36D5850A091F9BE974C2D50EB7A71052_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentOtherAccumulatedDepreciation_36D5850A091F9BE974C2D50EB7A71052" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US"> Less accumulated depreciation </link:label>
<link:label id="lab_us-gaap_PropertyPlantAndEquipmentOtherAccumulatedDepreciation_36D5850A091F9BE974C2D50EB7A71052_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentOtherAccumulatedDepreciation_36D5850A091F9BE974C2D50EB7A71052" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Property, Plant and Equipment, Other, Accumulated Depreciation </link:label>
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<link:label id="lab_unh_PropertyPlantandEquipmentExcludingCapitalizedComputerSoftwareNet_ADD8D77F4BEE9A3EA01DD50EB7A786C5_totalLabel_en-US" xlink:label="lab_unh_PropertyPlantandEquipmentExcludingCapitalizedComputerSoftwareNet_ADD8D77F4BEE9A3EA01DD50EB7A786C5" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Property and equipment, net </link:label>
<link:label id="lab_unh_PropertyPlantandEquipmentExcludingCapitalizedComputerSoftwareNet_ADD8D77F4BEE9A3EA01DD50EB7A786C5_label_en-US" xlink:label="lab_unh_PropertyPlantandEquipmentExcludingCapitalizedComputerSoftwareNet_ADD8D77F4BEE9A3EA01DD50EB7A786C5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Property, Plant, and Equipment Excluding Capitalized Computer Software, Net </link:label>
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<link:label id="lab_us-gaap_CapitalizedComputerSoftwareGross_BC40F27020C3E62C8DFED50EB7A8C673_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalizedComputerSoftwareGross_BC40F27020C3E62C8DFED50EB7A8C673" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Capitalized software </link:label>
<link:label id="lab_us-gaap_CapitalizedComputerSoftwareGross_BC40F27020C3E62C8DFED50EB7A8C673_label_en-US" xlink:label="lab_us-gaap_CapitalizedComputerSoftwareGross_BC40F27020C3E62C8DFED50EB7A8C673" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Capitalized Computer Software, Gross </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CapitalizedComputerSoftwareGross" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareGross_BC40F27020C3E62C8DFED50EB7A8C673" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CapitalizedComputerSoftwareNet_83DDCAD0181EC0EE0479D50EB7A8B325_totalLabel_en-US" xlink:label="lab_us-gaap_CapitalizedComputerSoftwareNet_83DDCAD0181EC0EE0479D50EB7A8B325" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Capitalized software, net </link:label>
<link:label id="lab_us-gaap_CapitalizedComputerSoftwareNet_83DDCAD0181EC0EE0479D50EB7A8B325_label_en-US" xlink:label="lab_us-gaap_CapitalizedComputerSoftwareNet_83DDCAD0181EC0EE0479D50EB7A8B325" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Capitalized Computer Software, Net </link:label>
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<link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_31E235292AFC09FB93B3D50EB7A8AAA4_totalLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet_31E235292AFC09FB93B3D50EB7A8AAA4" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total property, equipment and capitalized software, net </link:label>
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<link:label id="lab_srt_CondensedStatementOfIncomeCaptionsLineItems_71D425598B4A7EF7947CD50EB748E2C7_label_en-US" xlink:label="lab_srt_CondensedStatementOfIncomeCaptionsLineItems_71D425598B4A7EF7947CD50EB748E2C7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Condensed Statement of Income Captions [Line Items] </link:label>
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<link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_182BC0DCAEF3CE7AC704CD040E4BA30C_verboseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_182BC0DCAEF3CE7AC704CD040E4BA30C" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award [Line Items] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_182BC0DCAEF3CE7AC704CD040E4BA30C" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_78C932BC3C29A23B2710CD040E4B28D8_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_78C932BC3C29A23B2710CD040E4B28D8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Risk-free interest rate </link:label>
<link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_78C932BC3C29A23B2710CD040E4B28D8_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_78C932BC3C29A23B2710CD040E4B28D8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate </link:label>
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<link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_74565F15EE281C261F0FCD040E4B647E_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_74565F15EE281C261F0FCD040E4B647E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Expected Volatility </link:label>
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<link:label id="lab_us-gaap_MinorityInterestLineItems_C107165EDD6F029EF0778655E2F07A22_terseLabel_en-US" xlink:label="lab_us-gaap_MinorityInterestLineItems_C107165EDD6F029EF0778655E2F07A22" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Noncontrolling Interest [Line Items] </link:label>
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<link:label id="lab_unh_UndrawnLettersOfCredit_74DB98F5161CCBF7D2A3B96E8B25D29B_documentation_en-US" xlink:label="lab_unh_UndrawnLettersOfCredit_74DB98F5161CCBF7D2A3B96E8B25D29B" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Amount of undrawn letters of credit that are available to bond contractual performance. </link:label>
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<link:label id="lab_unh_SuretyBondsOutstanding_BB3C74570ED2F7797B64B96E8B26CECF_terseLabel_en-US" xlink:label="lab_unh_SuretyBondsOutstanding_BB3C74570ED2F7797B64B96E8B26CECF" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Surety Bonds Outstanding </link:label>
<link:label id="lab_unh_SuretyBondsOutstanding_BB3C74570ED2F7797B64B96E8B26CECF_label_en-US" xlink:label="lab_unh_SuretyBondsOutstanding_BB3C74570ED2F7797B64B96E8B26CECF" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Surety Bonds Outstanding </link:label>
<link:label id="lab_unh_SuretyBondsOutstanding_BB3C74570ED2F7797B64B96E8B26CECF_documentation_en-US" xlink:label="lab_unh_SuretyBondsOutstanding_BB3C74570ED2F7797B64B96E8B26CECF" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Surety Bonds Outstanding </link:label>
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<link:label id="lab_unh_PaymentstobemadetoAcquireBusinessesGross_1F041EAB2261C2E0752EB96E8B26091E_terseLabel_en-US" xlink:label="lab_unh_PaymentstobemadetoAcquireBusinessesGross_1F041EAB2261C2E0752EB96E8B26091E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Payments to be made to Acquire Businesses, Gross </link:label>
<link:label id="lab_unh_PaymentstobemadetoAcquireBusinessesGross_1F041EAB2261C2E0752EB96E8B26091E_label_en-US" xlink:label="lab_unh_PaymentstobemadetoAcquireBusinessesGross_1F041EAB2261C2E0752EB96E8B26091E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Payments to be made to Acquire Businesses, Gross </link:label>
<link:label id="lab_unh_PaymentstobemadetoAcquireBusinessesGross_1F041EAB2261C2E0752EB96E8B26091E_documentation_en-US" xlink:label="lab_unh_PaymentstobemadetoAcquireBusinessesGross_1F041EAB2261C2E0752EB96E8B26091E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> The cash outflow associated with announced acquisitions of businesses during the period that have not yet been completed. The cash portion only of the acquisition price. </link:label>
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<link:label id="lab_invest_InvestmentTable_FDD8A6882EC8D3C0B1289678A14A2EBC_terseLabel_en-US" xlink:label="lab_invest_InvestmentTable_FDD8A6882EC8D3C0B1289678A14A2EBC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Investment [Table] </link:label>
<link:label id="lab_invest_InvestmentTable_FDD8A6882EC8D3C0B1289678A14A2EBC_label_en-US" xlink:label="lab_invest_InvestmentTable_FDD8A6882EC8D3C0B1289678A14A2EBC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Investment [Table] </link:label>
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<link:label id="lab_invest_InvestmentLineItems_35788B6D95DC4A07CF969678A1506A6B_label_en-US" xlink:label="lab_invest_InvestmentLineItems_35788B6D95DC4A07CF969678A1506A6B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Investment [Line Items] </link:label>
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<link:label id="lab_us-gaap_InvestmentOwnedBalanceContracts_739CA05355E17606BBAD9678A15112E2_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentOwnedBalanceContracts_739CA05355E17606BBAD9678A15112E2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Total number of security positions </link:label>
<link:label id="lab_us-gaap_InvestmentOwnedBalanceContracts_739CA05355E17606BBAD9678A15112E2_label_en-US" xlink:label="lab_us-gaap_InvestmentOwnedBalanceContracts_739CA05355E17606BBAD9678A15112E2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Investment Owned, Balance, Contracts </link:label>
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<link:label id="lab_us-gaap_AvailableForSaleSecuritiesEquitySecurities_A036E46CF80AE00B8694968565EFF5F4_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesEquitySecurities_A036E46CF80AE00B8694968565EFF5F4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Available-for-sale Securities, Equity Securities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesEquitySecurities_A036E46CF80AE00B8694968565EFF5F4" xlink:type="locator"/>
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<link:label id="lab_us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue_C4B72BDAC55CB0D793AF9678A6357820_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue_C4B72BDAC55CB0D793AF9678A6357820" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Equity Securities, FV-NI and without Readily Determinable Fair Value </link:label>
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<link:label id="lab_us-gaap_EquityMethodInvestments_BD78EA7557AE94B7F8719678A15153C2_terseLabel_en-US" xlink:label="lab_us-gaap_EquityMethodInvestments_BD78EA7557AE94B7F8719678A15153C2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Equity Method Investments </link:label>
<link:label id="lab_us-gaap_EquityMethodInvestments_BD78EA7557AE94B7F8719678A15153C2_label_en-US" xlink:label="lab_us-gaap_EquityMethodInvestments_BD78EA7557AE94B7F8719678A15153C2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Equity Method Investments </link:label>
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<link:label id="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_FABD1688B2FBD8AF3BD0D50EB707CBA9_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_FABD1688B2FBD8AF3BD0D50EB707CBA9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Allowance for doubtful accounts, accounts receivable </link:label>
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<link:label id="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_0AF2801FDE71E734AF18D50EB707F194_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_0AF2801FDE71E734AF18D50EB707F194" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment </link:label>
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<link:loc xlink:href="unh-20181231.xsd#unh_FiveYear3.5BillionCreditFacilityMember" xlink:label="loc_unh_FiveYear3.5BillionCreditFacilityMember_B8DF8F63068C39989933B99B1EB8247E" xlink:type="locator"/>
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<link:label id="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3_terseLabel_en-US" xlink:label="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Three Year $3.5 Billion Credit Facility [Member] </link:label>
<link:label id="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3_label_en-US" xlink:label="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Three Year $3.5 Billion Credit Facility [Member] </link:label>
<link:label id="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3_documentation_en-US" xlink:label="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Three Year $3.5 Billion Credit Facility [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_ThreeYear3.5BillionCreditFacilityMember" xlink:label="loc_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3" xlink:to="lab_unh_ThreeYear3.5BillionCreditFacilityMember_98991AC18B1222E85D7FB98AB8E380E3" xlink:type="arc"/>
<link:label id="lab_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8_terseLabel_en-US" xlink:label="lab_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> 364 Day $3.0 Billion Credit Facility [Member] </link:label>
<link:label id="lab_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8_label_en-US" xlink:label="lab_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> 364 Day $3.0 Billion Credit Facility [Member] </link:label>
<link:label id="lab_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8_documentation_en-US" xlink:label="lab_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> 364 Day $3.0 Billion Credit Facility [Member] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_A364Day3.0BillionCreditFacilityMember" xlink:label="loc_unh_A364Day3.0BillionCreditFacilityMember_245C6FCFC04EA8B7EAA2B98B116DCAC8" xlink:type="locator"/>
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<link:label id="lab_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Short-term Debt, Type [Axis] </link:label>
<link:label id="lab_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Short-term Debt, Type [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974" xlink:to="lab_us-gaap_ShortTermDebtTypeAxis_7D0E67890CF7B4597E18B9728684A974" xlink:type="arc"/>
<link:label id="lab_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87_terseLabel_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Short-term Debt, Type [Domain] </link:label>
<link:label id="lab_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87_label_en-US" xlink:label="lab_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Short-term Debt, Type [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87" xlink:to="lab_us-gaap_ShortTermDebtTypeDomain_DA0B9F57E3D630A0AEB4B97286856D87" xlink:type="arc"/>
<link:label id="lab_srt_RangeMember_7416FE716605F471EE27B9728686DDF4_verboseLabel_en-US" xlink:label="lab_srt_RangeMember_7416FE716605F471EE27B9728686DDF4" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Range [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/srt/2018/elts/srt-2018-01-31.xsd#srt_RangeMember" xlink:label="loc_srt_RangeMember_7416FE716605F471EE27B9728686DDF4" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeMember_7416FE716605F471EE27B9728686DDF4" xlink:to="lab_srt_RangeMember_7416FE716605F471EE27B9728686DDF4" xlink:type="arc"/>
<link:label id="lab_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Credit Facility [Axis] </link:label>
<link:label id="lab_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7_label_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Credit Facility [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7" xlink:to="lab_us-gaap_CreditFacilityAxis_44BF3413D0891DE78792B97286877CE7" xlink:type="arc"/>
<link:label id="lab_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Credit Facility [Domain] </link:label>
<link:label id="lab_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD_label_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Credit Facility [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD" xlink:to="lab_us-gaap_CreditFacilityDomain_8633FAECD4904D1AE2A6B9728688CEAD" xlink:type="arc"/>
<link:label id="lab_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47_terseLabel_en-US" xlink:label="lab_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Revolving Credit Facility [Member] </link:label>
<link:label id="lab_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47_label_en-US" xlink:label="lab_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Revolving Credit Facility [Member] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RevolvingCreditFacilityMember" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47" xlink:to="lab_us-gaap_RevolvingCreditFacilityMember_E9FA36DC120609015986B97286898B47" xlink:type="arc"/>
<link:label id="lab_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Other Long-term Debt, Current </link:label>
<link:label id="lab_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B_label_en-US" xlink:label="lab_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Other Long-term Debt, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherLongTermDebtCurrent" xlink:label="loc_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B" xlink:to="lab_us-gaap_OtherLongTermDebtCurrent_9C2BDEDA7035019692C5B972868A2A5B" xlink:type="arc"/>
<link:label id="lab_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Long-term Line of Credit </link:label>
<link:label id="lab_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02_label_en-US" xlink:label="lab_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Long-term Line of Credit </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LineOfCredit" xlink:label="loc_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02" xlink:to="lab_us-gaap_LineOfCredit_8A3613EBF26461EEC248B972868D1E02" xlink:type="arc"/>
<link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Line of Credit, Credit Facility, Maximum Borrowing Capacity </link:label>
<link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Line of Credit Facility, Maximum Borrowing Capacity </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_DD32E7F19DDCC46E872EB972868D7C3C" xlink:type="arc"/>
<link:label id="lab_us-gaap_LineOfCreditFacilityInterestRateDuringPeriod_8B7B3A5F8DFE2E7C8281B972868EE266_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityInterestRateDuringPeriod_8B7B3A5F8DFE2E7C8281B972868EE266" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Interest Rate During Period </link:label>
<link:label id="lab_us-gaap_LineOfCreditFacilityInterestRateDuringPeriod_8B7B3A5F8DFE2E7C8281B972868EE266_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityInterestRateDuringPeriod_8B7B3A5F8DFE2E7C8281B972868EE266" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Line of Credit Facility, Interest Rate During Period </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LineOfCreditFacilityInterestRateDuringPeriod" xlink:label="loc_us-gaap_LineOfCreditFacilityInterestRateDuringPeriod_8B7B3A5F8DFE2E7C8281B972868EE266" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Maturity Period, Line of Credit </link:label>
<link:label id="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Line of Credit Facility, Expiration Period </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationPeriod" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579" xlink:to="lab_us-gaap_LineOfCreditFacilityExpirationPeriod_4028AA4150C8ACCEC895B972868E6579" xlink:type="arc"/>
<link:label id="lab_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Share Repurchase Activity </link:label>
<link:label id="lab_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85_label_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Schedule of Stock by Class [Table Text Block] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ScheduleOfStockByClassTextBlock" xlink:label="loc_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85" xlink:to="lab_us-gaap_ScheduleOfStockByClassTextBlock_F2A286670903DB08EDCAC8A915E04E85" xlink:type="arc"/>
<link:label id="lab_unh_QuarterlyfinancialdataAxis_E287C055E90FDF022828D50EB8B3186A_terseLabel_en-US" xlink:label="lab_unh_QuarterlyfinancialdataAxis_E287C055E90FDF022828D50EB8B3186A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Quarterly financial data [Axis] </link:label>
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<link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_B09D9D6B79DDCE47916DD50EB9252E1F_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_B09D9D6B79DDCE47916DD50EB9252E1F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Stock Option and SAR Activity [Table Text Block] </link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_AE65005AF6641DF82AE49A5671D48A0A" xlink:type="locator"/>
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<link:label id="lab_us-gaap_AccountsReceivableNetCurrent_CEB472FDB538558197A89B8D322C78B5_verboseLabel_en-US" xlink:label="lab_us-gaap_AccountsReceivableNetCurrent_CEB472FDB538558197A89B8D322C78B5" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Accounts receivable, net of allowances of $712 and $641 </link:label>
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<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsReceivableNetCurrent_CEB472FDB538558197A89B8D322C78B5" xlink:to="lab_us-gaap_AccountsReceivableNetCurrent_CEB472FDB538558197A89B8D322C78B5" xlink:type="arc"/>
<link:label id="lab_us-gaap_OtherReceivablesNetCurrent_B54B38E9E22E46A5EFFB9B8D322C065C_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherReceivablesNetCurrent_B54B38E9E22E46A5EFFB9B8D322C065C" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Other current receivables, net of allowances of $502 and $440 </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherReceivablesNetCurrent" xlink:label="loc_us-gaap_OtherReceivablesNetCurrent_B54B38E9E22E46A5EFFB9B8D322C065C" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_D7509AFB3B5DEE6B45439B8D322D69D2_terseLabel_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_D7509AFB3B5DEE6B45439B8D322D69D2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Prepaid expenses and other current assets </link:label>
<link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_D7509AFB3B5DEE6B45439B8D322D69D2_label_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_D7509AFB3B5DEE6B45439B8D322D69D2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Prepaid Expense and Other Assets, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_D7509AFB3B5DEE6B45439B8D322D69D2" xlink:type="locator"/>
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<link:label id="lab_us-gaap_AssetsCurrent_9C943E453A7B0E82C7EE9B8D322DF1A0_totalLabel_en-US" xlink:label="lab_us-gaap_AssetsCurrent_9C943E453A7B0E82C7EE9B8D322DF1A0" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total current assets </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_AssetsCurrent" xlink:label="loc_us-gaap_AssetsCurrent_9C943E453A7B0E82C7EE9B8D322DF1A0" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsCurrent_9C943E453A7B0E82C7EE9B8D322DF1A0" xlink:to="lab_us-gaap_AssetsCurrent_9C943E453A7B0E82C7EE9B8D322DF1A0" xlink:type="arc"/>
<link:label id="lab_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Long-term investments </link:label>
<link:label id="lab_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6_label_en-US" xlink:label="lab_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Long-term Investments </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LongTermInvestments" xlink:label="loc_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6" xlink:to="lab_us-gaap_LongTermInvestments_08B5BCFFF1A8B2663FCF9B8D322D9DD6" xlink:type="arc"/>
<link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_481506B654C5197754379B8D322D59E5_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet_481506B654C5197754379B8D322D59E5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Property, equipment and capitalized software, net of accumulated depreciation and amortization of $4,141 and $3,694 </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_481506B654C5197754379B8D322D59E5" xlink:type="locator"/>
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<link:label id="lab_us-gaap_Goodwill_07291A90718A57247D639B8D322D9790_terseLabel_en-US" xlink:label="lab_us-gaap_Goodwill_07291A90718A57247D639B8D322D9790" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Goodwill </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_07291A90718A57247D639B8D322D9790" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill_07291A90718A57247D639B8D322D9790" xlink:to="lab_us-gaap_Goodwill_07291A90718A57247D639B8D322D9790" xlink:type="arc"/>
<link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_CA4758568ADA569EB6C49B8D322EFAF4_verboseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_CA4758568ADA569EB6C49B8D322EFAF4" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Other intangible assets, net of accumulated amortization of $4,592 and $4,309 </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_CA4758568ADA569EB6C49B8D322EFAF4" xlink:type="locator"/>
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<link:label id="lab_us-gaap_OtherAssetsNoncurrent_164D1C3E1D4BBFF763449B8D322EDED0_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsNoncurrent_164D1C3E1D4BBFF763449B8D322EDED0" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Other assets </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherAssetsNoncurrent" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_164D1C3E1D4BBFF763449B8D322EDED0" xlink:type="locator"/>
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<link:label id="lab_us-gaap_Assets_40EF325DE60DE88EC27F9B8D322E8D0C_totalLabel_en-US" xlink:label="lab_us-gaap_Assets_40EF325DE60DE88EC27F9B8D322E8D0C" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total assets </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_40EF325DE60DE88EC27F9B8D322E8D0C" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets_40EF325DE60DE88EC27F9B8D322E8D0C" xlink:to="lab_us-gaap_Assets_40EF325DE60DE88EC27F9B8D322E8D0C" xlink:type="arc"/>
<link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A6DA8660D125CEF55DE39B8D322E7627_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A6DA8660D125CEF55DE39B8D322E7627" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Liabilities, redeemable noncontrolling interests and equity </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_A6DA8660D125CEF55DE39B8D322E7627" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_6AA9205B5AB4A1033BC79B8D322FDEFB_verboseLabel_en-US" xlink:label="lab_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_6AA9205B5AB4A1033BC79B8D322FDEFB" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Medical costs payable </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_6AA9205B5AB4A1033BC79B8D322FDEFB" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_6AA9205B5AB4A1033BC79B8D322FDEFB" xlink:to="lab_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_6AA9205B5AB4A1033BC79B8D322FDEFB" xlink:type="arc"/>
<link:label id="lab_us-gaap_DeferredRevenueCurrent_9E138F540899400E89569B8D322F3E59_verboseLabel_en-US" xlink:label="lab_us-gaap_DeferredRevenueCurrent_9E138F540899400E89569B8D322F3E59" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Unearned revenues </link:label>
<link:label id="lab_us-gaap_DeferredRevenueCurrent_9E138F540899400E89569B8D322F3E59_label_en-US" xlink:label="lab_us-gaap_DeferredRevenueCurrent_9E138F540899400E89569B8D322F3E59" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Deferred Revenue, Current </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DeferredRevenueCurrent" xlink:label="loc_us-gaap_DeferredRevenueCurrent_9E138F540899400E89569B8D322F3E59" xlink:type="locator"/>
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<link:label id="lab_us-gaap_OtherLiabilitiesCurrent_EBFE0BB29A6A9AEC8AEF9B8D3230B2C4_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesCurrent_EBFE0BB29A6A9AEC8AEF9B8D3230B2C4" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US"> Other current liabilities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_OtherLiabilitiesCurrent" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_EBFE0BB29A6A9AEC8AEF9B8D3230B2C4" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilitiesCurrent_EBFE0BB29A6A9AEC8AEF9B8D3230B2C4" xlink:to="lab_us-gaap_OtherLiabilitiesCurrent_EBFE0BB29A6A9AEC8AEF9B8D3230B2C4" xlink:type="arc"/>
<link:label id="lab_us-gaap_LiabilitiesCurrent_F2B08419DCD8DB45FE579B8D3230F9CB_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesCurrent_F2B08419DCD8DB45FE579B8D3230F9CB" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total current liabilities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesCurrent" xlink:label="loc_us-gaap_LiabilitiesCurrent_F2B08419DCD8DB45FE579B8D3230F9CB" xlink:type="locator"/>
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<link:label id="lab_us-gaap_DeferredTaxLiabilitiesNoncurrent_C72C37A73FA6207CC2359B8D323030C0_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesNoncurrent_C72C37A73FA6207CC2359B8D323030C0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Deferred income taxes </link:label>
<link:label id="lab_us-gaap_DeferredTaxLiabilitiesNoncurrent_C72C37A73FA6207CC2359B8D323030C0_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesNoncurrent_C72C37A73FA6207CC2359B8D323030C0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Deferred Tax Liabilities, Net, Noncurrent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNoncurrent" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesNoncurrent_C72C37A73FA6207CC2359B8D323030C0" xlink:type="locator"/>
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<link:label id="lab_us-gaap_Liabilities_6D426A624E2B42333AC99B8D32318020_totalLabel_en-US" xlink:label="lab_us-gaap_Liabilities_6D426A624E2B42333AC99B8D32318020" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total liabilities </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_6D426A624E2B42333AC99B8D32318020" xlink:type="locator"/>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="loc_us-gaap_CommitmentsAndContingencies_2B98A8B42A118780ACF39B8D3231BC17" xlink:type="locator"/>
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<link:label id="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_0B2E38714083CBB495F79B8D3231F8D3_terseLabel_en-US" xlink:label="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_0B2E38714083CBB495F79B8D3231F8D3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Redeemable noncontrolling interests </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_0B2E38714083CBB495F79B8D3231F8D3" xlink:type="locator"/>
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<link:label id="lab_us-gaap_MinorityInterest_E9D7015A5A59521B445A9B8D32328366_terseLabel_en-US" xlink:label="lab_us-gaap_MinorityInterest_E9D7015A5A59521B445A9B8D32328366" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Nonredeemable noncontrolling interests </link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_F86864C678624635A10C9B8D32328E4C" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_31AB053A5C973D1C14909B8D3233D1AA_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity_31AB053A5C973D1C14909B8D3233D1AA" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total liabilities, redeemable noncontrolling interests and equity </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_31AB053A5C973D1C14909B8D3233D1AA" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_31AB053A5C973D1C14909B8D3233D1AA" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity_31AB053A5C973D1C14909B8D3233D1AA" xlink:type="arc"/>
<link:label id="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Tax provision at the U.S. federal statutory rate, Amount </link:label>
<link:label id="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E" xlink:to="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_743C7B6AB69B42F29AB7C2D8D52BB41E" xlink:type="arc"/>
<link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1367BBF2172EBE0509EEC2D8D52B1BC0_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1367BBF2172EBE0509EEC2D8D52B1BC0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Tax provision at the U.S. federal statutory rate, Percent </link:label>
<link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1367BBF2172EBE0509EEC2D8D52B1BC0_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1367BBF2172EBE0509EEC2D8D52B1BC0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1367BBF2172EBE0509EEC2D8D52B1BC0" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Change in tax law, Amount </link:label>
<link:label id="lab_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate" xlink:label="loc_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3" xlink:to="lab_us-gaap_IncomeTaxReconciliationChangeInEnactedTaxRate_4533C31F55AEDD2738ACC2D8D52BA2B3" xlink:type="arc"/>
<link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Change in tax law, Percent </link:label>
<link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Percent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate_2344A948B1AC12CCE353C2D8D52C1D62" xlink:type="arc"/>
<link:label id="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_D5D461DF8F670EF7E0B7C2D8D52C5F30_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_D5D461DF8F670EF7E0B7C2D8D52C5F30" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> State income taxes, net of federal benefit, Amount </link:label>
<link:label id="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_D5D461DF8F670EF7E0B7C2D8D52C5F30_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_D5D461DF8F670EF7E0B7C2D8D52C5F30" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_D5D461DF8F670EF7E0B7C2D8D52C5F30" xlink:type="locator"/>
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<link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_B488686F535694C37E8EC2D8D52C4341_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_B488686F535694C37E8EC2D8D52C4341" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> State income taxes, net of federal benefit, Percent </link:label>
<link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_B488686F535694C37E8EC2D8D52C4341_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_B488686F535694C37E8EC2D8D52C4341" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_B488686F535694C37E8EC2D8D52C4341" xlink:type="locator"/>
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<link:label id="lab_unh_EffectiveIncomeTaxRateReconciliationShareBasedAwardsExcessTaxBenefitAmount_8EF6A9AF873625E79C62C2D8D52CED1D_terseLabel_en-US" xlink:label="lab_unh_EffectiveIncomeTaxRateReconciliationShareBasedAwardsExcessTaxBenefitAmount_8EF6A9AF873625E79C62C2D8D52CED1D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Share-based awards - excess tax benefit, Amount </link:label>
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<link:label id="lab_unh_DebtAbstract_0D42422C38A2054058FB85E2BADF654F_label_en-US" xlink:label="lab_unh_DebtAbstract_0D42422C38A2054058FB85E2BADF654F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt [Abstract] </link:label>
<link:label id="lab_unh_DebtAbstract_0D42422C38A2054058FB85E2BADF654F_documentation_en-US" xlink:label="lab_unh_DebtAbstract_0D42422C38A2054058FB85E2BADF654F" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"> Debt [Abstract] </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_DebtAbstract" xlink:label="loc_unh_DebtAbstract_0D42422C38A2054058FB85E2BADF654F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LongtermDebtTypeAxis_90606B34C3BA783D79DD85E2BAE00512_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis_90606B34C3BA783D79DD85E2BAE00512" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Long-term Debt, Type [Axis] </link:label>
<link:label id="lab_us-gaap_LongtermDebtTypeAxis_90606B34C3BA783D79DD85E2BAE00512_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis_90606B34C3BA783D79DD85E2BAE00512" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Long-term Debt, Type [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_90606B34C3BA783D79DD85E2BAE00512" xlink:type="locator"/>
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<link:label id="lab_us-gaap_LongtermDebtTypeDomain_06E4F4BF064CCE3F91F885E2BAE0C707_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain_06E4F4BF064CCE3F91F885E2BAE0C707" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Long-term Debt, Type [Domain] </link:label>
<link:label id="lab_us-gaap_LongtermDebtTypeDomain_06E4F4BF064CCE3F91F885E2BAE0C707_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain_06E4F4BF064CCE3F91F885E2BAE0C707" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Long-term Debt, Type [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_06E4F4BF064CCE3F91F885E2BAE0C707" xlink:type="locator"/>
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<link:label id="lab_us-gaap_VariableRateAxis_A20FAF4DC6A24F28E4A285E2BAE1FC48_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateAxis_A20FAF4DC6A24F28E4A285E2BAE1FC48" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Variable Rate [Axis] </link:label>
<link:label id="lab_us-gaap_VariableRateAxis_A20FAF4DC6A24F28E4A285E2BAE1FC48_label_en-US" xlink:label="lab_us-gaap_VariableRateAxis_A20FAF4DC6A24F28E4A285E2BAE1FC48" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Variable Rate [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="loc_us-gaap_VariableRateAxis_A20FAF4DC6A24F28E4A285E2BAE1FC48" xlink:type="locator"/>
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<link:label id="lab_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Variable Rate [Domain] </link:label>
<link:label id="lab_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E_label_en-US" xlink:label="lab_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Variable Rate [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="loc_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E" xlink:type="locator"/>
<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E" xlink:to="lab_us-gaap_VariableRateDomain_B2FAED2ABCDAC0C7B19B85E2BAE1ED7E" xlink:type="arc"/>
<link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis_1F8BDD4F55B7788A7B7085E2BAE1042F_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis_1F8BDD4F55B7788A7B7085E2BAE1042F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Redemption, Period [Axis] </link:label>
<link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis_1F8BDD4F55B7788A7B7085E2BAE1042F_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodAxis_1F8BDD4F55B7788A7B7085E2BAE1042F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Redemption, Period [Axis] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_1F8BDD4F55B7788A7B7085E2BAE1042F" xlink:type="locator"/>
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<link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain_4F1C10A728AB650E940885E2BAE162B3_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain_4F1C10A728AB650E940885E2BAE162B3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Redemption, Period [Domain] </link:label>
<link:label id="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain_4F1C10A728AB650E940885E2BAE162B3_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentRedemptionPeriodDomain_4F1C10A728AB650E940885E2BAE162B3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Debt Instrument, Redemption, Period [Domain] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_4F1C10A728AB650E940885E2BAE162B3" xlink:type="locator"/>
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<link:label id="lab_us-gaap_IncomeStatementAbstract_208E1C8976728B8747D29EAB5856E32D_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract_208E1C8976728B8747D29EAB5856E32D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Income Statement [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="loc_us-gaap_IncomeStatementAbstract_208E1C8976728B8747D29EAB5856E32D" xlink:type="locator"/>
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<link:label id="lab_us-gaap_RevenuesAbstract_133D7E1ED6A365370E949EAB5857BC14_terseLabel_en-US" xlink:label="lab_us-gaap_RevenuesAbstract_133D7E1ED6A365370E949EAB5857BC14" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Revenues: </link:label>
<link:label id="lab_us-gaap_RevenuesAbstract_133D7E1ED6A365370E949EAB5857BC14_label_en-US" xlink:label="lab_us-gaap_RevenuesAbstract_133D7E1ED6A365370E949EAB5857BC14" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Revenues [Abstract] </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract_133D7E1ED6A365370E949EAB5857BC14" xlink:type="locator"/>
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<link:label id="lab_us-gaap_PremiumsEarnedNet_026139337DC29AA789A69EAB58577F85_terseLabel_en-US" xlink:label="lab_us-gaap_PremiumsEarnedNet_026139337DC29AA789A69EAB58577F85" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Premiums </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="loc_us-gaap_PremiumsEarnedNet_026139337DC29AA789A69EAB58577F85" xlink:type="locator"/>
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<link:label id="lab_unh_SalesRevenueProductsNet_9ED5D66E9A39C5D41F749EAF071D7978_terseLabel_en-US" xlink:label="lab_unh_SalesRevenueProductsNet_9ED5D66E9A39C5D41F749EAF071D7978" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Products </link:label>
<link:loc xlink:href="unh-20181231.xsd#unh_SalesRevenueProductsNet" xlink:label="loc_unh_SalesRevenueProductsNet_9ED5D66E9A39C5D41F749EAF071D7978" xlink:type="locator"/>
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<link:label id="lab_unh_SalesRevenuesServicesNet_B1DFC2B033C1EB8A768E9EAF4F6971AB_terseLabel_en-US" xlink:label="lab_unh_SalesRevenuesServicesNet_B1DFC2B033C1EB8A768E9EAF4F6971AB" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Services </link:label>
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<link:label id="lab_us-gaap_Revenues_02A9FCE92CD595A1B2229EAB585860EC_totalLabel_en-US" xlink:label="lab_us-gaap_Revenues_02A9FCE92CD595A1B2229EAB585860EC" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US"> Total revenues </link:label>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2018/elts/us-gaap-2018-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_02A9FCE92CD595A1B2229EAB585860EC" xlink:type="locator"/>
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<link:label id="lab_us-gaap_CostsAndExpensesAbstract_05BFE7D5B5C600AAEB529EAB58586694_terseLabel_en-US" xlink:label="lab_us-gaap_CostsAndExpensesAbstract_05BFE7D5B5C600AAEB529EAB58586694" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Operating costs: </link:label>
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<link:label id="lab_us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare_332B01F6BBB8451998AB9EAB5858222C_terseLabel_en-US" xlink:label="lab_us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare_332B01F6BBB8451998AB9EAB5858222C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Medical costs </link:label>
<link:label id="lab_us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare_332B01F6BBB8451998AB9EAB5858222C_label_en-US" xlink:label="lab_us-gaap_PolicyholderBenefitsAndClaimsIncurredHealthCare_332B01F6BBB8451998AB9EAB5858222C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Policyholder Benefits and Claims Incurred, Net, Health </link:label>
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<link:label id="lab_us-gaap_SellingGeneralAndAdministrativeExpense_28C752E135185774608F9EAB5858859C_terseLabel_en-US" xlink:label="lab_us-gaap_SellingGeneralAndAdministrativeExpense_28C752E135185774608F9EAB5858859C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Operating costs </link:label>
<link:label id="lab_us-gaap_SellingGeneralAndAdministrativeExpense_28C752E135185774608F9EAB5858859C_label_en-US" xlink:label="lab_us-gaap_SellingGeneralAndAdministrativeExpense_28C752E135185774608F9EAB5858859C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US"> Selling, General and Administrative Expense </link:label>
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<link:label id="lab_us-gaap_CostOfGoodsAndServicesSold_7B4E2305D1F98C23DFEF9EB00363DC98_terseLabel_en-US" xlink:label="lab_us-gaap_CostOfGoodsAndServicesSold_7B4E2305D1F98C23DFEF9EB00363DC98" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US"> Cost of products sold </link:label>
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2 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
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