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  <xs:element id="unh_IncreaseInCashWithinBusinessesHeldForSale" abstract="false" name="IncreaseInCashWithinBusinessesHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_BasisofpresentationAbstract" abstract="true" name="BasisofpresentationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="unh_ReceivablesFinancingFacilityPolicyTextBlock" abstract="false" name="ReceivablesFinancingFacilityPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="unh_NetPortfolioDivestituresAndRestructuringAndOtherActionsPolicyTextBlock" abstract="false" name="NetPortfolioDivestituresAndRestructuringAndOtherActionsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="unh_BasisOfPresentationTable" abstract="true" name="BasisOfPresentationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="unh_ProductsAndServicesMember" abstract="true" name="ProductsAndServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_OptumInsightMember" abstract="true" name="OptumInsightMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_OptumRxMember" abstract="true" name="OptumRxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_OptumHealthMember" abstract="true" name="OptumHealthMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_UnitedHealthFoundationContributionMember" abstract="true" name="UnitedHealthFoundationContributionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_LossContractReservesMember" abstract="true" name="LossContractReservesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_NetValuationGainsOnEquitySecuritiesMember" abstract="true" name="NetValuationGainsOnEquitySecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_RestructuringAndOtherActionsMember" abstract="true" name="RestructuringAndOtherActionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_UncommittedReceivablesFinancingFacility" abstract="false" name="UncommittedReceivablesFinancingFacility" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_UncommittedReceivablesFacilityAmountCollectedButNotRemitted" abstract="false" name="UncommittedReceivablesFacilityAmountCollectedButNotRemitted" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_GainOnPortfolioActions" abstract="false" name="GainOnPortfolioActions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_AmountRemittedToFinancialInstitutions" abstract="false" name="AmountRemittedToFinancialInstitutions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_ReceivablesFinancingFacilityAmountCollectedIn2026RelatedToReceivablesSoldIn2025" abstract="false" name="ReceivablesFinancingFacilityAmountCollectedIn2026RelatedToReceivablesSoldIn2025" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_LossOnPortfolioActions" abstract="false" name="LossOnPortfolioActions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis" abstract="false" name="FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_LoanReceivablesCarryingValue" abstract="false" name="LoanReceivablesCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_PremiumDeficiencyAndLossContractsReserves" abstract="false" name="PremiumDeficiencyAndLossContractsReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale" abstract="false" name="IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_ForwardShareRepurchaseContracts" abstract="false" name="ForwardShareRepurchaseContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAmount" abstract="false" name="ForwardShareRepurchaseContractsCounterpartyPurchaseAmount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAveragePrice" abstract="false" name="ForwardShareRepurchaseContractsCounterpartyPurchaseAveragePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="unh_ForwardShareRepurchaseContractsLiabilityAmount" abstract="false" name="ForwardShareRepurchaseContractsLiabilityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember" abstract="true" name="OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell" abstract="false" name="RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_DisposalGroupMedicalCostsPayable" abstract="false" name="DisposalGroupMedicalCostsPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale" abstract="false" name="ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_DispositionsMember" abstract="true" name="DispositionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_GainOnDispositionOfBusiness" abstract="false" name="GainOnDispositionOfBusiness" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_IncrementalLossOnDispositionOfBusiness" abstract="false" name="IncrementalLossOnDispositionOfBusiness" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_ExternalCustomersMember" abstract="true" name="ExternalCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_IntersegmentMember" abstract="true" name="IntersegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_UnitedhealthcareMember" abstract="true" name="UnitedhealthcareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_TotalOptumMember" abstract="true" name="TotalOptumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
