UnitedHealth Group (UNH) Stock Concentration Calculator

Calculator · free · no signup · UNH

Quantify UnitedHealth Group concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.

Beta · invite-only · AlphaLatitude Inc. · Free Tools

Your inputs

Adjust — results update instantly.

Position & portfolio

Default. Adjust to test.
35%
Default. Adjust to test.
20%
10%

Tax

67%
Highly concentratedLong-term
If 30% drop
−$150,000
If 50% drop
−$250,000
If 70% drop
−$350,000

Most fee-only advisors target ≤10% in any single name. You're at 67%.

Estimates only. Not financial advice.

Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).

Cost of fully de-concentrating

All three plans sell to 0% (no hedge).

Tax
Wealth (3y)$956,485
+$33,417 vs.

Tax
Wealth (3y)$994,174
+$71,106 vs.

Tax
Wealth (3y)$1.04M
+$112,490 vs.

Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.

Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.

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Build your own plan

Toggle below — chart updates live. Sell buttons show the slice.
Sell over 1 yearSell over 2 yearsSell over 3 yearsCustom
$712,500$815,995$919,489$1,022,984$1,126,478Yr 0Yr 1Yr 2Yr 3
Year 1
Year 2
Year 3
Tax$200,753
Hedge cost$37,676
Wealth at Y3$1,046,371
Vs. best fixed plan+$10,813

Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.

Tax brackets: 2026 · Estimates only — not financial advice.

Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.

You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.

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Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator

About UnitedHealth Group

UnitedHealth Group (UNH) is a public Other company, incorporated in Delaware and headquartered in Eden Prairie, MN.

Equity grants at UnitedHealth Group typically include restricted stock units (RSUs).

UnitedHealth Group Incorporated is an American multinational for-profit company based in Eden Prairie, Minnesota, specializing in health insurance and health care services. Selling insurance products under UnitedHealthcare, and health care services under the Optum brand, it is the world's fourth-largest company by revenue and the largest health care company by revenue. The company is ranked fourth on the 2026 Fortune Global 500.

Source: Wikipedia (CC BY-SA 4.0)

The company is the largest health insurer in the United States and, through Optum, one of the largest healthcare providers and pharmacy benefit managers, employing tens of thousands of physicians. That vertical integration, insurance paying an affiliated care and pharmacy operation, has drawn Justice Department antitrust attention and congressional scrutiny of billing practices. A 2024 ransomware attack on Change Healthcare disrupted claims processing nationwide for weeks. The 2024 killing of its insurance chief executive prompted broad public debate over claim denials. Headquarters are in Minnetonka, Minnesota.

Sources: unitedhealthgroup.com · en.wikipedia.org

Equity comp at UnitedHealth Group

  • RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.

Researched 2026-08-17.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by UnitedHealth Group.

If a meaningful share of your net worth sits in UNH, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with UNH's option-implied volatility.

All UnitedHealth Group tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

UnitedHealth Group equity questions

How much UNH stock is too much?
There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your UNH position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
Does UnitedHealth Group grant ISOs, NSOs, or RSUs?
Equity compensation at UnitedHealth Group typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do UnitedHealth Group RSUs use double-trigger vesting?
No. UnitedHealth Group restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your UnitedHealth Group equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.

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