Escalating Legal Exposure

The class action survives early dismissal and plaintiffs obtain discovery into UnitedHealth's Medicare Advantage denial algorithms, internal audits, and physician override rates. Given the 90% error-rate allegation and prior Senate/CMS scrutiny, this is the most likely path: the case becomes a broader legal and reputational overhang rather than ending quickly.

Each figure is the modeled move of the S&P 500 if the outcome occurs. For information only. Not investment advice.