The United Health Group Family 2007 National Benefit Resources ®

UHG Participates in a Huge Market U.S. Health Spend Government Sponsored Markets Commercial Benefits Out-of-Pocket Spend Size ($B) Total Medicare Advantage Part D* Total CDHP Total Health care growth is rapidly spawning attractive new opportunities. CAGR 7% 8% 7% 21% 11% 11% 5% Sources: CMS National Health Expenditures; Kaiser Family Foundation; CBO; ICDC * Initial Part D number is for 2006. 2005 2015

Growth in the Sector is Driven by Unprecedented Social Change A dramatic increase in age… Evolution of 55+ Population (M) … with a resulting increase in health spending 2005 2010 2015 Lives Covered by Government Programs (M) A steady rise in the population covered by government programs… 2005 2010 2015 … and an employer base with changing expectations about benefits Consumers are the central theme in the transformation of health care. Sources: Census Bureau; Mature Market Institute; CMS; HHS; Kaiser/Hewitt 2004 Survey; Mercer HR Consulting; Watson Wyatt; CPS March Supplement 500+ Employers Offering Retiree Health Benefits (%) Pre-65 65+ 35-45 45-54 55-64 Consumer Health Care Expenditures by Age (%) % Millions Millions

The US workforce is mobile and nomadic, driving demand for portable flexible products Distribution models are evolving and expanding Financial/Healthcare Convergence Long life products – enormous variation An aging IT workforce and aging mainframe operating applications Challenging regulatory environment 50 States, 50 Insurance Departments, plus federal regulation Dramatically different regulatory regimes for government programs ICD 10 – Bigger than Y2K Other Environmental Factors Change + Risk = Opportunity

The US workforce is mobile and nomadic, driving demand for portable flexible products

Distribution models are evolving and expanding

Financial/Healthcare Convergence

Long life products – enormous variation

An aging IT workforce and aging mainframe operating applications

Challenging regulatory environment

50 States, 50 Insurance Departments, plus federal regulation

Dramatically different regulatory regimes for government programs

ICD 10 – Bigger than Y2K

The Marketplace Is Seeking Solutions to Market Imperatives Affordability Manage the effectiveness and efficiency of care and provide choices within the financial means of the consumer Quality and Safety Health care services delivered safely and consistently within the norms of current science Human Usability An environment that is simple and understandable, usable, efficient, consistent and trustworthy Fair and Rational Access Efficient and fair access to, and distribution of, care These imperatives drive our business agenda

Affordability Manage the effectiveness and efficiency of care and provide choices within the financial means of the consumer

Quality and Safety Health care services delivered safely and consistently within the norms of current science

Human Usability An environment that is simple and understandable, usable, efficient, consistent and trustworthy

Fair and Rational Access Efficient and fair access to, and distribution of, care

Growth Enablers BPM/Rules/Integration Effectively Addresses the Information and Process Silo’s Maximize Workflow Efficiency Modernize Business Processes and Create Re-useable Services Leverage Business Rules Repositories to Increase Agility Legacy Modernization High Cost of Maintaining and Upgrading Risk Associated with Aging Systems and Hardware Difficulty in Obtaining Trained Knowledgeable Resources Complexity and Lack of Flexibility During Integration Activities Web Portal and eBusiness Enabling Safe and Easy Web Sales eService for Customer, Brokers, Providers Business Intelligence Integrating Disparate Data to Build a Complete View of Customers Creating Transparency and Improving Decision Making Moving toward a Real-Time Enterprise Global Sourcing Enabling Agile Application Development Targeted Business Process Outsourcing Understanding and Piloting Knowledge Process Outsourcing

BPM/Rules/Integration

Effectively Addresses the Information and Process Silo’s

Maximize Workflow Efficiency

Modernize Business Processes and Create Re-useable Services

Leverage Business Rules Repositories to Increase Agility

Legacy Modernization

High Cost of Maintaining and Upgrading

Risk Associated with Aging Systems and Hardware

Difficulty in Obtaining Trained Knowledgeable Resources

Complexity and Lack of Flexibility During Integration Activities

Web Portal and eBusiness

Enabling Safe and Easy Web Sales

eService for Customer, Brokers, Providers

Business Intelligence

Integrating Disparate Data to Build a Complete View of Customers

Creating Transparency and Improving Decision Making

Moving toward a Real-Time Enterprise

Global Sourcing

Enabling Agile Application Development

Targeted Business Process Outsourcing

Understanding and Piloting Knowledge Process Outsourcing