1 unchanged sentence
Trading Arrangements
−Removed: During the quarter ended September 30, 2025, none of the Company’s directors or officers (as defined in Rule 16a-1(f) under the Exchange Act) adopted or terminated any contract, instruction or written plan for the purchase or sale of Company securities intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act or any non-Rule 10b5-1 trading arrangement.
+Added: During the quarter ended March 31, 2026, none of the Company’s directors or officers (as defined in Rule 16a-1(f) under the Exchange Act) adopted or terminated any contract, instruction or written plan for the purchase or sale of Company securities intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act or any non-Rule 10b5-1 trading arrangement.
The following exhibits are filed or incorporated by reference herein in response to Item 601 of Regulation S-K.
1 unchanged sentence
Certificate of Incorporation of UnitedHealth Group Incorporated (incorporated by reference to Exhibit 3.1 to the Company’s Registration Statement on Form 8-A/A filed on July 1, 2015)
−Removed: Amended and Restated Bylaws of UnitedHealth Group Incorporated, effective February 23, 2021 (incorporated by reference to Exhibit 3.2 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on February 26, 2021)
+Added: Amended and Restated Bylaws of UnitedHealth Group Incorporated, effective Novem ber 6 , 202 5 (incorporated by reference to Exhibit 3.
+Added: 1 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on November 1 3, 2025 )
Amended and Restated Indenture, dated as of April 27, 2023, between UnitedHealth Group Incorporated and Wilmington Trust Company, as successor trustee (incorporated by reference to Exhibit 4.1 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on April 28, 2023)
3 unchanged sentences
Bank Trust Company, National Association, as trustee, relating to the 6.875% Senior Notes due 2038 (incorporated by reference to Exhibit 4.1 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on April 24, 2023)
−Removed: Employment Agreement, effective as of September 2, 2025, between United HealthCare Services, Inc.
−Removed: DeVeydt (incorporated by reference to Exhibit 10.1 to UnitedHealth Group Incorporated’s Current Report on Form 8-K filed on July 31, 2025).
Certifications pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
8 unchanged sentences
________________
−Removed: * Denotes management contracts and compensation plans in which certain directors and named executive officers participate and which are being filed pursuant to Item 601(b)(10)(iii)(A) of Regulation S-K.
Pursuant to Item 601(b)(4)(iii) of Regulation S-K, copies of instruments defining the rights of certain holders of long-term debt are not filed.
5 unchanged sentences
(principal executive officer) Dated:
−Removed: October 28, 2025
Stephen Hemsley
2 unchanged sentences
(principal financial officer) Dated:
−Removed: October 28, 2025
Wayne DeVeydt
−Removed: /s/ T HOMAS R OOS
−Removed: Senior Vice President and
+Added: /s/ D ENNIS S TANKIEWICZ
Chief Accounting Officer
(principal accounting officer) Dated:
−Removed: October 28, 2025
+Added: Dennis Stankiewicz
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.