Reserve for insurance claims
Non-Current LiabilitiesUnitedHealth Group Reserve for insurance claims increased by 3.7% to $27.80B in Q3 2025 compared to the prior quarter. Year-over-year, this metric grew by 15.4%, from $24.10B to $27.80B. Over 3 years (FY 2021 to FY 2024), Reserve for insurance claims shows an upward trend with a 11.8% CAGR.
Analysis
StatementBalance Sheet Statement
SectionNon-Current Liabilities
CategoryRisk
SignalContext dependent
VolatilityModerate
First reportedQ4 2021
Last reportedQ3 2025
How to read this metric
An increase may reflect higher membership volume or rising medical costs, while a decrease could suggest improved claims management or lower utilization.
Detailed definition
The estimated liability for medical claims that have been incurred but not yet paid, including both reported claims and...
Peer comparison
Standard across the insurance industry; essential for evaluating reserve adequacy and underwriting risk.
Metric ID:
ins_reserve_claimsHistorical Data
12 periods
| Q4 '21 | Q4 '22 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $24.48B | $29.06B | $31.95B | $32.79B | $32.40B | $34.03B | $32.55B | $24.10B | $34.22B | $25.90B | $26.80B | $27.80B |
| QoQ Change | — | +18.7% | +9.9% | +2.6% | -1.2% | +5.1% | -4.4% | -26.0% | +42.0% | -24.3% | +3.5% | +3.7% |
| YoY Change | — | +18.7% | — | — | +11.5% | — | +1.9% | -26.5% | +5.6% | -23.9% | -17.7% | +15.4% |
Range$24.10B – $34.22B
CAGR+4.7%
Avg YoY Growth-1.9%
Median YoY Growth+3.8%
Current Streak2 quarters growth
Reserve for insurance claims at Other Companies
Frequently Asked Questions
- What is UnitedHealth Group's reserve for insurance claims?
- UnitedHealth Group (UNH) reported reserve for insurance claims of $27.80B in Q3 2025.
- How has UnitedHealth Group's reserve for insurance claims changed year-over-year?
- UnitedHealth Group's reserve for insurance claims increased by 15.4% year-over-year, from $24.10B to $27.80B.
- What is the long-term trend for UnitedHealth Group's reserve for insurance claims?
- Over 3 years (2021 to 2024), UnitedHealth Group's reserve for insurance claims has grown at a 11.8% compound annual growth rate (CAGR), from $24.48B to $34.22B.
- What does reserve for insurance claims mean?
- The estimated amount of money set aside to pay for future insurance claims that have already been incurred.