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UnitedHealthcare

80Score

★★★☆☆3.5

Customer satisfaction · 47.0M members

AM Best: A (Excellent)(2025)NCQA: 3.5-4.5 Stars(2026)

UnitedHealthcare is the largest health insurer in the US by membership and revenue with approximately 47 million medical members. Integrated with Optum for healthcare services, pharmacy benefits, and data analytics, it offers plans across all segments.

Overall Score

80/100

Founded

1977

Headquarters

Minnetonka, Minnesota

Type

private

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Key Metrics

Am Best Rating

A (Excellent)

Jd Power Score

Mid-tier regionally

Network Size

Largest provider network in the US

Market Share

16.4%

Editorial Ratings

AM Best: A (Excellent)(2025)

Rating: A (Excellent) (max: A++ (Superior))

80AM

NCQA: 3.5-4.5 Stars(2026)

Rating: 3.5-4.5 stars (varies by plan) (max: 5 stars)

80NCQA

Coverage Highlights

✓Largest provider network in the United States
✓Plans across all segments: employer, individual, Medicare Advantage, Medicaid
✓Integrated Optum services (pharmacy benefits, behavioral health, analytics)
✓Strong digital health tools and telehealth via Optum
✓Nationwide availability across all 50 states

Pros

✓Largest provider network in the US
✓Comprehensive plan options across all market segments
✓Integrated Optum services add value (pharmacy, behavioral health, analytics)
✓Strong digital tools and mobile app

Cons

✗AM Best downgrade in 2025 raises financial performance concerns
✗Customer service complaints common due to massive scale
✗Higher premiums in some markets
✗Complex bureaucracy for claims processing

Frequently Asked Questions

Is UnitedHealthcare the largest health insurer in the US?

Yes. UnitedHealthcare (part of UnitedHealth Group) is the largest US health insurer by both membership (~47 million) and revenue (~$275 billion in 2024).

What is UnitedHealthcare's AM Best rating?

UnitedHealthcare holds an AM Best Financial Strength Rating of A (Excellent), downgraded from A+ in August 2025 due to medical cost deterioration.

Does UnitedHealthcare offer Medicare Advantage plans?

Yes. UnitedHealthcare is one of the largest Medicare Advantage providers in the US, offering plans in most states with varying star ratings.

What is Optum and how does it relate to UnitedHealthcare?

Optum is a subsidiary of UnitedHealth Group (UnitedHealthcare's parent) that provides healthcare services, pharmacy benefits management, and data analytics. UnitedHealthcare members benefit from integrated Optum services.

Quick Summary

InsurerUnitedHealthcare

Country🇺🇸 United States

Overall Score80/100

Satisfaction3.5/5

Members47.0M

Typeprivate

Founded1977

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