UnitedHealth Group Inc
Close on Nov 2, 2026Market cap $359.43BP/E 25.8Yield 2.18%
UnitedHealth Consolidated Medical Care Ratio by Year
Consolidated Medical Care Ratio (MCR = Medical Costs / Premiums) (%)
UnitedHealth Consolidated Medical Care Ratio: 89.1% in FY2025, up 3.6 pts from a year earlier. That is the highest of the 11 years on record here.
Where the FY2025 figure comes from
Source: UNH Form 10-K (2026-03-02) ↗
Consolidated medical costs divided by consolidated premium revenues.
Annual history
Hover a value to see the sentence it was read from; calculated values show their formula
| Period | Ended | Consolidated Medical Care Ratio (MCR = Medical Costs / Premiums) (%) | Year on year | Source |
|---|---|---|---|---|
| FY2025 | Dec 31, 2025 | 89.1% | +3.6 pts | UNH Form 10-K (2026-03-02) ↗ |
| FY2024 | Dec 31, 2024 | 85.5% | +2.3 pts | UNH Form 10-K (2026-03-02) ↗ |
| FY2023 | Dec 31, 2023 | 83.2% | +1.2 pts | UNH Form 10-K (2026-03-02) ↗ |
| FY2022 | Dec 31, 2022 | 82.0% | -0.6 pts | UNH Form 10-K (2025-02-27) ↗ |
| FY2021 | Dec 31, 2021 | 82.6% | +3.5 pts | UNH Form 10-K (2024-02-28) ↗ |
| FY2020 | Dec 31, 2020 | 79.1% | -3.4 pts | UNH Form 10-K (2023-02-24) ↗ |
| FY2019 | Dec 31, 2019 | 82.5% | +0.9 pts | UNH Form 10-K (2022-02-15) ↗ |
| FY2018 | Dec 31, 2018 | 81.6% | -0.5 pts | UNH Form 10-K (2021-03-01) ↗ |
| FY2017 | Dec 31, 2017 | 82.1% | +0.9 pts | UNH Form 10-K (2020-02-14) ↗ |
| FY2016 | Dec 31, 2016 | 81.2% | -0.5 pts | UNH Form 10-K (2019-02-12) ↗ |
| FY2015 | Dec 31, 2015 | 81.7% | – | UNH Form 10-K (2018-02-13) ↗ |
Cite this data
StockData. (2026). UnitedHealth Consolidated Medical Care Ratio (%), annual FY2015–FY2025 [Data set]. Compiled from UnitedHealth SEC filings and investor materials. https://stockdatahq.com/stocks/unh/kpis/mcr-pct
See every metric in the UnitedHealth KPI table. Data updated Oct 24, 2026.