UnitedHealth Group (UNH) RSU sell-vs-hold

Calculator · free · no signup · UNH

Sell at vest or hold? Compare after-tax payout from selling UnitedHealth Group RSUs at vest vs. holding through the LTCG cliff at 12 months.

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

Your vest

pre-IPO? enter price manually

Tax inputs

Hold strategy

1 yr
20%
20%
10.0%

Best after-tax payout — at year 1 yr

$47,709

Sell + invest wins by $4,981 over Hold 1 yr.

Estimates only. Not financial advice.

This vest pushes your top federal rate from 24% to 35%. Hover the Federal value below for the bracket-by-bracket slicing.

Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.

The hidden purchase

Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of UNH today.

Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in UNH. Holding past one year converts the gain to LTCG.

Sell + invest

Best payout
Vest value (shares × price)$80,000
Federal
State
Medicare−$1,160
Additional Medicare−$720
Market gain over 1 yr at 10.0%$4,451
Cap-gain tax on diversified gain — LTCG (federal + state + NIIT)−$1,251
Net at year 1 yr$47,709

Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.

Hold 1 yr

Vest value (shares × price)$80,000
Vest tax (federal + state + FICA)
Net at year 1 yr$42,728

Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.

Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.

Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.

Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.

You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.

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Related calculators: RSU Lot Order Calculator · Stock Concentration 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.

UnitedHealth Group (UNH) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.

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

UnitedHealth Group equity questions

Should I sell or hold my UnitedHealth Group RSUs at vest?
UnitedHealth Group restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
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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