UnitedHealth Group (UNH) Protective Put Calculator

Calculator · free · no signup · UNH

Price a protective put, zero-cost collar, or put spread on UnitedHealth Group. Annual cost, max loss, upside cap, tax treatment, auto-filled from current UNH option chain.

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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.

A protective put caps your downside on the UNH position at a chosen floor; a zero-cost collar pays for that floor by capping the upside. This calculator prices both structures off the current UNH option chain, with annual cost, max loss, and tax-treatment notes.

All UnitedHealth Group tools → · Use the generic Protect Your Stock Calculator for any company.

UnitedHealth Group equity questions

How much does it cost to hedge UNH stock?
The cost of a protective put depends on how far below the current price you set the floor, how long the protection lasts, and UNH's option-implied volatility. A zero-cost collar lowers that cost by selling away some upside. The calculator above prices both structures off the current UNH option chain and shows the annual cost, maximum loss, and tax treatment.
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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