<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e2714-84d8-7dd0-a41d-0fc469fc8c9b,g:cf27fc2b-eb67-4db4-9725-efd0ef9d0e50-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.uhg.com/role/DocumentandEntityInformationDocument" xlink:type="simple" xlink:href="unh-20260630.xsd#DocumentandEntityInformationDocument"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/DocumentandEntityInformationDocument" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_019e2714-85a8-77ab-9880-848fc5c5a425" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_DocumentType_019e2714-85a8-77ab-9880-848fc5c5a425" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_019e2714-85a8-791e-905c-18823aee3122" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_DocumentQuarterlyReport_019e2714-85a8-791e-905c-18823aee3122" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_019e2714-85a8-7588-9f06-4c250cfacec9" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_DocumentPeriodEndDate_019e2714-85a8-7588-9f06-4c250cfacec9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_019e2714-85a8-78bf-ab3b-69270a5a7b89" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_DocumentTransitionReport_019e2714-85a8-78bf-ab3b-69270a5a7b89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_019e2714-85a8-7592-93fc-4b77e8c0c7f7" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityFileNumber_019e2714-85a8-7592-93fc-4b77e8c0c7f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_019e2714-85a8-782e-80fa-ed6f4ec38d2a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityRegistrantName_019e2714-85a8-782e-80fa-ed6f4ec38d2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_019e2714-85a8-767b-9bb9-987f2de78732" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityIncorporationStateCountryCode_019e2714-85a8-767b-9bb9-987f2de78732" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_019e2714-85a8-7d81-ba2b-d2f7159647de" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityTaxIdentificationNumber_019e2714-85a8-7d81-ba2b-d2f7159647de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_019e2714-85a8-7afd-b189-ccc34c55c356" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityAddressAddressLine1_019e2714-85a8-7afd-b189-ccc34c55c356" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_019e2714-85a8-7360-aa2a-4bab204b4e12" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityAddressCityOrTown_019e2714-85a8-7360-aa2a-4bab204b4e12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_019e2714-85a8-7d70-aaf0-172f6ea61a39" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityAddressStateOrProvince_019e2714-85a8-7d70-aaf0-172f6ea61a39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_019e2714-85a8-7c23-9e4f-73ebb829c53d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityAddressPostalZipCode_019e2714-85a8-7c23-9e4f-73ebb829c53d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OtherEntityAddressAddressLineOne_019e2714-85a8-7bb8-ae0d-4ce2121d65d5" xlink:href="unh-20260630.xsd#unh_OtherEntityAddressAddressLineOne"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_unh_OtherEntityAddressAddressLineOne_019e2714-85a8-7bb8-ae0d-4ce2121d65d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OtherEntityAddressCityOrTown_019e2714-85a8-7ef5-9617-4aa6a55d1eac" xlink:href="unh-20260630.xsd#unh_OtherEntityAddressCityOrTown"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_unh_OtherEntityAddressCityOrTown_019e2714-85a8-7ef5-9617-4aa6a55d1eac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OtherEntityAddressStateOrProvince_019e2714-85a8-757c-b004-1180940fc4d5" xlink:href="unh-20260630.xsd#unh_OtherEntityAddressStateOrProvince"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_unh_OtherEntityAddressStateOrProvince_019e2714-85a8-757c-b004-1180940fc4d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OtherEntityAddressPostalZipCode_019e2714-85a8-7629-9fb8-d6cbaec94785" xlink:href="unh-20260630.xsd#unh_OtherEntityAddressPostalZipCode"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_unh_OtherEntityAddressPostalZipCode_019e2714-85a8-7629-9fb8-d6cbaec94785" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_019e2714-85a8-767f-9993-b43a29277496" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_CityAreaCode_019e2714-85a8-767f-9993-b43a29277496" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_019e2714-85a8-7f39-900a-4a17e80d0d99" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_LocalPhoneNumber_019e2714-85a8-7f39-900a-4a17e80d0d99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_019e2714-85a8-7da4-ac48-6de1864fa8db" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_Security12bTitle_019e2714-85a8-7da4-ac48-6de1864fa8db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_019e2714-85a8-73c4-8017-ed58bd045bd1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_TradingSymbol_019e2714-85a8-73c4-8017-ed58bd045bd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_019e2714-85a8-763a-afc2-5a1751494f49" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_SecurityExchangeName_019e2714-85a8-763a-afc2-5a1751494f49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_019e2714-85a8-7a64-8b7a-e493d4a589eb" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityCurrentReportingStatus_019e2714-85a8-7a64-8b7a-e493d4a589eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_019e2714-85a8-74cd-a40f-8992fb1469b3" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityInteractiveDataCurrent_019e2714-85a8-74cd-a40f-8992fb1469b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_019e2714-85a8-70de-ba78-a08d82a10bf9" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityFilerCategory_019e2714-85a8-70de-ba78-a08d82a10bf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_019e2714-85a8-75db-804c-54a044fd764f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntitySmallBusiness_019e2714-85a8-75db-804c-54a044fd764f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_019e2714-85a8-733f-b8cb-6f4d3e69212b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityEmergingGrowthCompany_019e2714-85a8-733f-b8cb-6f4d3e69212b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_019e2714-85a8-742c-afba-b37fe61e7d8a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityShellCompany_019e2714-85a8-742c-afba-b37fe61e7d8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_019e2714-85a8-7e34-a655-29b8061bb084" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityCentralIndexKey_019e2714-85a8-7e34-a655-29b8061bb084" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_019e2714-85a8-7580-a083-a0f7b0568bb5" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_CurrentFiscalYearEndDate_019e2714-85a8-7580-a083-a0f7b0568bb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_019e2714-85a8-78d0-a9df-4d2bc3e7f4e0" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_DocumentFiscalYearFocus_019e2714-85a8-78d0-a9df-4d2bc3e7f4e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_019e2714-85a8-72a1-a500-58618555985b" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_DocumentFiscalPeriodFocus_019e2714-85a8-72a1-a500-58618555985b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_019e2714-85a8-7e96-b39f-908fc4f0eef3" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_AmendmentFlag_019e2714-85a8-7e96-b39f-908fc4f0eef3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_019e2714-85a8-7485-b211-19f3a1caf0e7" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_019e2714-85a8-7ca5-8cef-c54ea1b58610" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_019e2714-85a8-7485-b211-19f3a1caf0e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CondensedConsolidatedBalanceSheets" xlink:type="simple" xlink:href="unh-20260630.xsd#CondensedConsolidatedBalanceSheets"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsCurrentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e2714-85a8-725f-91f0-99591b611333" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019e2714-85a8-725f-91f0-99591b611333" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermInvestments_019e2714-85a8-7065-8af4-5475b27c0f0b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:to="loc_us-gaap_ShortTermInvestments_019e2714-85a8-7065-8af4-5475b27c0f0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_019e2714-85a8-7570-9a4d-40a4a5063d61" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_019e2714-85a8-7570-9a4d-40a4a5063d61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivablesNetCurrent_019e2714-85a8-72c9-b723-5195b186dc65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherReceivablesNetCurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:to="loc_us-gaap_OtherReceivablesNetCurrent_019e2714-85a8-72c9-b723-5195b186dc65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_019e2714-85a8-7562-9836-8271e6cacbd4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:to="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent_019e2714-85a8-7562-9836-8271e6cacbd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_019e2714-85a8-7edc-ac03-c8b854ce45f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsCurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsCurrentAbstract_019e2714-85a8-7629-9260-4f095feaf520" xlink:to="loc_us-gaap_AssetsCurrent_019e2714-85a8-7edc-ac03-c8b854ce45f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermInvestments_019e2714-85a8-79b3-98bf-859e3641098c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_LongTermInvestments_019e2714-85a8-79b3-98bf-859e3641098c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019e2714-85a8-7943-89f5-4668ae65f530" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019e2714-85a8-7943-89f5-4668ae65f530" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e2714-85a8-79e4-bd55-e1a7f640b1c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_Goodwill_019e2714-85a8-79e4-bd55-e1a7f640b1c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e2714-85a8-73f9-85e2-09b4414918a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e2714-85a8-73f9-85e2-09b4414918a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_019e2714-85a8-745a-aa28-032ebcb056e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_019e2714-85a8-745a-aa28-032ebcb056e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e2714-85a8-7794-bda6-3edaa67a41ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_019e2714-85a8-7fe5-adcf-403a44311ea0" xlink:to="loc_us-gaap_Assets_019e2714-85a8-7794-bda6-3edaa67a41ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesCurrentAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019e2714-85a8-77e5-bfce-e598aa469203" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019e2714-85a8-77e5-bfce-e598aa469203" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_019e2714-85a8-71fe-9d7e-0c33dfaa7c70" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrent_019e2714-85a8-71fe-9d7e-0c33dfaa7c70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtCurrent_019e2714-865d-7d31-a177-c2e31878a05d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:to="loc_us-gaap_DebtCurrent_019e2714-865d-7d31-a177-c2e31878a05d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredRevenueCurrent_019e2714-865d-7305-a1ef-92d90848a8c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredRevenueCurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:to="loc_us-gaap_DeferredRevenueCurrent_019e2714-865d-7305-a1ef-92d90848a8c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_019e2714-865d-78f2-b908-af058ea305ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilitiesCurrent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:to="loc_us-gaap_OtherLiabilitiesCurrent_019e2714-865d-78f2-b908-af058ea305ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_019e2714-865d-70da-90b0-21072e2fc27e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesCurrentAbstract_019e2714-85a8-7430-9673-28e125810e7d" xlink:to="loc_us-gaap_LiabilitiesCurrent_019e2714-865d-70da-90b0-21072e2fc27e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_019e2714-865d-7dc9-ae6d-3d673606d119" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_019e2714-865d-7dc9-ae6d-3d673606d119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019e2714-865d-7967-982d-6c75a644efe2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilitiesNet_019e2714-865d-7967-982d-6c75a644efe2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_019e2714-865d-7e83-94cf-16723ecc2681" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilitiesNoncurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_OtherLiabilitiesNoncurrent_019e2714-865d-7e83-94cf-16723ecc2681" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e2714-865d-7318-98e0-6a2122c76f52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_Liabilities_019e2714-865d-7318-98e0-6a2122c76f52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019e2714-865d-7b1f-9614-7e0700827be0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019e2714-865d-7b1f-9614-7e0700827be0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_019e2714-865d-7ae6-b57c-52017234acec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_019e2714-865d-7ae6-b57c-52017234acec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019e2714-865d-7279-9afd-52b93e53e12d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_EquityAbstract_019e2714-865d-7279-9afd-52b93e53e12d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e2714-85a8-7fff-a201-7c18907d33b9" xlink:to="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019e2714-865d-7dcb-91b4-29899d8844c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_PreferredStockValue_019e2714-865d-7dcb-91b4-29899d8844c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019e2714-865d-733f-849e-4e579a97106b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_CommonStockValue_019e2714-865d-733f-849e-4e579a97106b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019e2714-865d-7ce8-a268-6c69bcf929c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019e2714-865d-7ce8-a268-6c69bcf929c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e2714-865d-79e1-8bdf-66975420e72c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e2714-865d-79e1-8bdf-66975420e72c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e2714-865d-7b84-b88f-ab2680c46048" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e2714-865d-7b84-b88f-ab2680c46048" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_019e2714-865d-798c-b717-321673b81a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_MinorityInterest_019e2714-865d-798c-b717-321673b81a7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7dab-bcef-026f27c8fc00" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7dab-bcef-026f27c8fc00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e2714-865d-75ac-86cf-baa9afeca504" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e2714-865d-737e-bd00-b9cf49094b66" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e2714-865d-75ac-86cf-baa9afeca504" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019e2714-865d-7a26-a02b-5298199deed6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019e2714-865d-7a26-a02b-5298199deed6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_019e2714-865d-7361-b57b-5d7a2c131fc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_019e2714-865d-7361-b57b-5d7a2c131fc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_019e2714-865d-7d7e-80e6-e35768fc092a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_PreferredStockSharesIssued_019e2714-865d-7d7e-80e6-e35768fc092a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_019e2714-865d-71e4-a792-4f3e03ab8a6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_019e2714-865d-71e4-a792-4f3e03ab8a6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019e2714-865d-70a9-9bc7-62f6f8778bf8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019e2714-865d-70a9-9bc7-62f6f8778bf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_019e2714-865d-7080-ba57-fee329fb17a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_019e2714-865d-7080-ba57-fee329fb17a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_019e2714-865d-714b-a5fe-87bff592e69e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_CommonStockSharesIssued_019e2714-865d-714b-a5fe-87bff592e69e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019e2714-865d-7c5a-af56-094ade950426" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_019e2714-85a8-7b66-8270-aa1e76ad2e72" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019e2714-865d-7c5a-af56-094ade950426" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CondensedConsolidatedBalanceSheetParenthetical" xlink:type="simple" xlink:href="unh-20260630.xsd#CondensedConsolidatedBalanceSheetParenthetical"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CondensedConsolidatedBalanceSheetParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetRelatedDisclosuresAbstract_019e2714-865d-7311-b76d-2b9e7e24f14c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BalanceSheetRelatedDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e2714-865d-7101-893c-93e4e733e103" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetRelatedDisclosuresAbstract_019e2714-865d-7311-b76d-2b9e7e24f14c" xlink:to="loc_us-gaap_StatementTable_019e2714-865d-7101-893c-93e4e733e103" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019e2714-865d-7618-a756-77ba508f7582" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7101-893c-93e4e733e103" xlink:to="loc_srt_StatementScenarioAxis_019e2714-865d-7618-a756-77ba508f7582" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-7423-8457-d62aa7e72a1e" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019e2714-865d-7618-a756-77ba508f7582" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-7423-8457-d62aa7e72a1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019e2714-865d-7852-a3ba-6d528d4e4081" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7101-893c-93e4e733e103" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019e2714-865d-7852-a3ba-6d528d4e4081" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019e2714-865d-709a-9bb3-ce2a51099720" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019e2714-865d-7852-a3ba-6d528d4e4081" xlink:to="loc_us-gaap_ClassOfStockDomain_019e2714-865d-709a-9bb3-ce2a51099720" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e2714-865d-7b70-850d-196e0b737aef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7101-893c-93e4e733e103" xlink:to="loc_us-gaap_StatementLineItems_019e2714-865d-7b70-850d-196e0b737aef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="simple" xlink:href="unh-20260630.xsd#CondensedConsolidatedStatementsofOperations"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_019e2714-865d-7429-8d62-4f9dd0fd9cd5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e2714-865d-7272-aae3-a687e495482a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_019e2714-865d-7429-8d62-4f9dd0fd9cd5" xlink:to="loc_us-gaap_StatementTable_019e2714-865d-7272-aae3-a687e495482a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019e2714-865d-7627-b5b9-5935c437352b" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7272-aae3-a687e495482a" xlink:to="loc_srt_ProductOrServiceAxis_019e2714-865d-7627-b5b9-5935c437352b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e2714-865d-72be-b91e-a8ed1b69237f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_019e2714-865d-7627-b5b9-5935c437352b" xlink:to="loc_srt_ProductsAndServicesDomain_019e2714-865d-72be-b91e-a8ed1b69237f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProductMember_019e2714-865d-79d5-8281-db6502983134" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProductMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019e2714-865d-72be-b91e-a8ed1b69237f" xlink:to="loc_us-gaap_ProductMember_019e2714-865d-79d5-8281-db6502983134" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServiceMember_019e2714-865d-7101-9688-3e3acedb575e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServiceMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019e2714-865d-72be-b91e-a8ed1b69237f" xlink:to="loc_us-gaap_ServiceMember_019e2714-865d-7101-9688-3e3acedb575e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7272-aae3-a687e495482a" xlink:to="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_019e2714-865d-785d-8da2-074037d12256" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenuesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_RevenuesAbstract_019e2714-865d-785d-8da2-074037d12256" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019e2714-865d-735a-914f-175957c18ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_019e2714-865d-785d-8da2-074037d12256" xlink:to="loc_us-gaap_PremiumsEarnedNet_019e2714-865d-735a-914f-175957c18ed3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterestAndDividend_019e2714-865d-7019-8633-6a97a0b9583c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeInterestAndDividend"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_019e2714-865d-785d-8da2-074037d12256" xlink:to="loc_us-gaap_InvestmentIncomeInterestAndDividend_019e2714-865d-7019-8633-6a97a0b9583c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e2714-865d-7a7d-b329-b441ceaf6ef0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_019e2714-865d-785d-8da2-074037d12256" xlink:to="loc_us-gaap_Revenues_019e2714-865d-7a7d-b329-b441ceaf6ef0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e2714-865d-7494-a003-4f9cec4423d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e2714-865d-7494-a003-4f9cec4423d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpensesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019e2714-865d-79e8-9282-abc4a1636c7a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_019e2714-865d-79e8-9282-abc4a1636c7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingGeneralAndAdministrativeExpense_019e2714-865d-74e5-8806-300d9edd2bed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingGeneralAndAdministrativeExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:to="loc_us-gaap_SellingGeneralAndAdministrativeExpense_019e2714-865d-74e5-8806-300d9edd2bed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSold_019e2714-865d-78ef-8eb9-b20957110dfb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostOfGoodsAndServicesSold"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:to="loc_us-gaap_CostOfGoodsAndServicesSold_019e2714-865d-78ef-8eb9-b20957110dfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_019e2714-865d-7fb5-bbf1-04630ede1fb0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:to="loc_us-gaap_DepreciationAndAmortization_019e2714-865d-7fb5-bbf1-04630ede1fb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_019e2714-865d-7bb5-9373-7bc00f20e857" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpenses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CostsAndExpensesAbstract_019e2714-865d-7347-8e00-cbb6cc0c3e92" xlink:to="loc_us-gaap_CostsAndExpenses_019e2714-865d-7bb5-9373-7bc00f20e857" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019e2714-865d-71cd-95c6-56ebc3b046f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_OperatingIncomeLoss_019e2714-865d-71cd-95c6-56ebc3b046f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019e2714-865d-7189-ac5f-8ee24a610d94" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_InterestExpense_019e2714-865d-7189-ac5f-8ee24a610d94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale_019e2714-865d-787b-9fed-0fcb0c5a4104" xlink:href="unh-20260630.xsd#unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale_019e2714-865d-787b-9fed-0fcb0c5a4104" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e2714-865d-7aca-8869-0e6e03d29dbb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e2714-865d-7aca-8869-0e6e03d29dbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019e2714-865d-7f73-beaa-803e2386d109" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019e2714-865d-7f73-beaa-803e2386d109" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e2714-865d-778f-bbe8-0152532a6b19" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_ProfitLoss_019e2714-865d-778f-bbe8-0152532a6b19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019e2714-865d-702a-b41b-7c6d225b5667" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019e2714-865d-702a-b41b-7c6d225b5667" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e2714-865d-7716-9030-5d74a100fb7c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_NetIncomeLoss_019e2714-865d-7716-9030-5d74a100fb7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7f2b-b3c0-45722a0a715b" xlink:to="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019e2714-865d-7586-88fd-63d98053d9b6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:to="loc_us-gaap_EarningsPerShareBasic_019e2714-865d-7586-88fd-63d98053d9b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019e2714-865d-708f-97ff-141f7175033c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019e2714-865d-708f-97ff-141f7175033c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e2714-865d-7bfb-a324-3da0a9d310e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e2714-865d-7bfb-a324-3da0a9d310e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e2714-865d-7589-9de4-4ffbd566842c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e2714-865d-7589-9de4-4ffbd566842c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e2714-865d-7493-a321-d2637bfed9f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e2714-865d-7493-a321-d2637bfed9f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019e2714-865d-7f9c-90d0-ca02e929cd56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019e2714-865d-785a-b8dd-0ee414d70fa6" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019e2714-865d-7f9c-90d0-ca02e929cd56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" xlink:type="simple" xlink:href="unh-20260630.xsd#CondensedConsolidatedStatementsofComprehensiveIncome"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CondensedConsolidatedStatementsofComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e2714-865d-70e5-ad0c-0cfca8f7ce2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019e2714-865d-7047-9dff-1fe91ff379aa" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-70e5-ad0c-0cfca8f7ce2c" xlink:to="loc_srt_StatementScenarioAxis_019e2714-865d-7047-9dff-1fe91ff379aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-72d2-a01e-bc6243cba604" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019e2714-865d-7047-9dff-1fe91ff379aa" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-72d2-a01e-bc6243cba604" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e2714-865d-76b6-ae19-418ef68c1e1c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-70e5-ad0c-0cfca8f7ce2c" xlink:to="loc_us-gaap_StatementLineItems_019e2714-865d-76b6-ae19-418ef68c1e1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e2714-865d-759d-b19e-40bb339bb988" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-76b6-ae19-418ef68c1e1c" xlink:to="loc_us-gaap_ProfitLoss_019e2714-865d-759d-b19e-40bb339bb988" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-76b6-ae19-418ef68c1e1c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019e2714-865d-7b46-b691-c06be8138808" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_019e2714-865d-7b46-b691-c06be8138808" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019e2714-865d-7852-a586-facd809dde31" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019e2714-865d-7852-a586-facd809dde31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019e2714-865d-7b8c-8d5a-267b5794070e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_019e2714-865d-7b8c-8d5a-267b5794070e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019e2714-865d-7bf3-8704-fb5174d36a8e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_019e2714-865d-7bf3-8704-fb5174d36a8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_019e2714-865d-71f7-a3ba-4187401d32a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_019e2714-865d-71f7-a3ba-4187401d32a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019e2714-865d-7fdc-9789-44abf6c01fd4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_019e2714-865d-7fdc-9789-44abf6c01fd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax_019e2714-865d-74a3-aae8-0e23f83e62cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax_019e2714-865d-74a3-aae8-0e23f83e62cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationReclassificationAdjustmentFromAOCIRealizedUponSaleOrLiquidationNetOfTax_019e2714-865d-7e51-9dd0-f22d8e1a0acd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationReclassificationAdjustmentFromAOCIRealizedUponSaleOrLiquidationNetOfTax"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationReclassificationAdjustmentFromAOCIRealizedUponSaleOrLiquidationNetOfTax_019e2714-865d-7e51-9dd0-f22d8e1a0acd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019e2714-865d-7b5a-8716-924750b265a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019e2714-865d-7b5a-8716-924750b265a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019e2714-865d-7e28-84bf-26d26f2fac2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019e2714-865d-7e28-84bf-26d26f2fac2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7adc-b541-3870c9909c6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_019e2714-865d-728d-9680-16c802bb312b" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7adc-b541-3870c9909c6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019e2714-865d-71fc-8d10-456c7fb9d80b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-76b6-ae19-418ef68c1e1c" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019e2714-865d-71fc-8d10-456c7fb9d80b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e2714-865d-7339-a222-adb97bcb213f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-76b6-ae19-418ef68c1e1c" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e2714-865d-7339-a222-adb97bcb213f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CondensedConsolidatedStatementsofChangesinEquity" xlink:type="simple" xlink:href="unh-20260630.xsd#CondensedConsolidatedStatementsofChangesinEquity"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CondensedConsolidatedStatementsofChangesinEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019e2714-865d-7929-b121-ae9882e25a15" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e2714-865d-716d-b9c0-0e084d4994e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7929-b121-ae9882e25a15" xlink:to="loc_us-gaap_StatementTable_019e2714-865d-716d-b9c0-0e084d4994e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019e2714-865d-7f76-a8f7-06fa2730b8a2" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-716d-b9c0-0e084d4994e2" xlink:to="loc_srt_StatementScenarioAxis_019e2714-865d-7f76-a8f7-06fa2730b8a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-74e9-82ff-e32dfb4ac8e7" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019e2714-865d-7f76-a8f7-06fa2730b8a2" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-74e9-82ff-e32dfb4ac8e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019e2714-865d-763c-84f1-6c5a156bc3a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-716d-b9c0-0e084d4994e2" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019e2714-865d-763c-84f1-6c5a156bc3a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e2714-865d-763c-84f1-6c5a156bc3a2" xlink:to="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019e2714-865d-7c09-aa78-565bebfa7f2a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:to="loc_us-gaap_CommonStockMember_019e2714-865d-7c09-aa78-565bebfa7f2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_019e2714-865d-71e8-a9f9-4dab44e7dd45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_019e2714-865d-71e8-a9f9-4dab44e7dd45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019e2714-865d-7d57-93bc-83f8165df589" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:to="loc_us-gaap_RetainedEarningsMember_019e2714-865d-7d57-93bc-83f8165df589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019e2714-865d-775b-957b-3b1f1277de03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019e2714-865d-775b-957b-3b1f1277de03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedTranslationAdjustmentMember_019e2714-865d-7fa3-8ddb-306ede050c1a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedTranslationAdjustmentMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:to="loc_us-gaap_AccumulatedTranslationAdjustmentMember_019e2714-865d-7fa3-8ddb-306ede050c1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestMember_019e2714-865d-7bf7-bb85-b530cf3acd34" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoncontrollingInterestMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_019e2714-865d-7cb8-b954-fd60b0d2499a" xlink:to="loc_us-gaap_NoncontrollingInterestMember_019e2714-865d-7bf7-bb85-b530cf3acd34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-716d-b9c0-0e084d4994e2" xlink:to="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7af4-bacd-3fc887dd3054" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7af4-bacd-3fc887dd3054" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019e2714-865d-7b72-82c5-c9e51f66e73a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019e2714-865d-7b72-82c5-c9e51f66e73a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e2714-865d-70b9-9299-70cd00306141" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_NetIncomeLoss_019e2714-865d-70b9-9299-70cd00306141" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNonredeemableNoncontrollingInterest_019e2714-865d-721e-a6be-54168f35621c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNonredeemableNoncontrollingInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNonredeemableNoncontrollingInterest_019e2714-865d-721e-a6be-54168f35621c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossIncludingPortionAttributableToNonredeemableNoncontrollingInterest_019e2714-865d-78be-a968-b13c17a57636" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossIncludingPortionAttributableToNonredeemableNoncontrollingInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_NetIncomeLossIncludingPortionAttributableToNonredeemableNoncontrollingInterest_019e2714-865d-78be-a968-b13c17a57636" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019e2714-865d-7c39-8926-19e35b989f9f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019e2714-865d-7c39-8926-19e35b989f9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_019e2714-865d-7560-afcf-9316bee2b828" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_019e2714-865d-7560-afcf-9316bee2b828" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019e2714-865d-7f82-b06e-0702da8bd45b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019e2714-865d-7f82-b06e-0702da8bd45b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_019e2714-865d-7677-9ff8-b7ec36b4d570" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_019e2714-865d-7677-9ff8-b7ec36b4d570" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019e2714-865d-7bbe-a90e-603b7bc39e2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019e2714-865d-7bbe-a90e-603b7bc39e2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019e2714-865d-7168-a183-c9b1128e7992" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019e2714-865d-7168-a183-c9b1128e7992" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCash_019e2714-865d-7420-9010-0a20ef47a2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsCash"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_DividendsCash_019e2714-865d-7420-9010-0a20ef47a2f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestChangeInRedemptionValue_019e2714-865d-74ba-a0a3-e496375b06aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterestChangeInRedemptionValue"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_MinorityInterestChangeInRedemptionValue_019e2714-865d-74ba-a0a3-e496375b06aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_019e2714-865d-7fe5-88ca-ebb6a8ca0db9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterestPeriodIncreaseDecrease"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_MinorityInterestPeriodIncreaseDecrease_019e2714-865d-7fe5-88ca-ebb6a8ca0db9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_019e2714-865d-7f23-b124-0e6dfefc5bb7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_019e2714-865d-7f23-b124-0e6dfefc5bb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7a23-846a-d852020db2d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e2714-865d-7a23-846a-d852020db2d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019e2714-865d-7eee-8837-8f7a8a584c4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019e2714-865d-7eee-8837-8f7a8a584c4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_019e2714-865d-765b-b332-0fb7e2ed0984" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-75d4-b367-1aaf3975375a" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_019e2714-865d-765b-b332-0fb7e2ed0984" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="unh-20260630.xsd#CondensedConsolidatedStatementsofCashFlows"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-74d8-b30d-e522d1bbd9b6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-74d8-b30d-e522d1bbd9b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e2714-865d-7404-884a-f6340e9f3ec5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-74d8-b30d-e522d1bbd9b6" xlink:to="loc_us-gaap_ProfitLoss_019e2714-865d-7404-884a-f6340e9f3ec5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-74d8-b30d-e522d1bbd9b6" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_019e2714-865d-764b-9641-3770f32be2c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:to="loc_us-gaap_DepreciationAndAmortization_019e2714-865d-764b-9641-3770f32be2c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019e2714-865d-74fc-b4d0-9a84833539fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019e2714-865d-74fc-b4d0-9a84833539fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019e2714-865d-7ba4-8f4b-3d611bc042fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:to="loc_us-gaap_ShareBasedCompensation_019e2714-865d-7ba4-8f4b-3d611bc042fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale_019e2714-865d-7dfc-9eb2-97bdce25909e" xlink:href="unh-20260630.xsd#unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:to="loc_unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale_019e2714-865d-7dfc-9eb2-97bdce25909e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_019e2714-865d-794e-bb28-1181527fd6d9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-7c18-839e-e71b66b530a2" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_019e2714-865d-794e-bb28-1181527fd6d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-74d8-b30d-e522d1bbd9b6" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019e2714-865d-710c-af86-084cd6acc74e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019e2714-865d-710c-af86-084cd6acc74e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019e2714-865d-7bf0-9947-a2f12a9e1733" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019e2714-865d-7bf0-9947-a2f12a9e1733" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_019e2714-865d-7ca1-9c8a-2d9f7f7fb37f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:to="loc_us-gaap_IncreaseDecreaseInHealthCareInsuranceLiabilities_019e2714-865d-7ca1-9c8a-2d9f7f7fb37f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_019e2714-865d-77c0-a0d1-c0af86dd9451" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_019e2714-865d-77c0-a0d1-c0af86dd9451" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredRevenue_019e2714-865d-7b1d-8d56-04b2588f3302" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInDeferredRevenue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_019e2714-865d-7a00-8c19-63413bcabc07" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredRevenue_019e2714-865d-7b1d-8d56-04b2588f3302" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e2714-865d-7359-9b3b-2337d0dd0ffc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_019e2714-865d-74d8-b30d-e522d1bbd9b6" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e2714-865d-7359-9b3b-2337d0dd0ffc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInvestments_019e2714-865d-7a61-bd9d-7941e4eda83f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireInvestments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_PaymentsToAcquireInvestments_019e2714-865d-7a61-bd9d-7941e4eda83f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e2714-865d-7f71-917b-116c3529ef56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e2714-865d-7f71-917b-116c3529ef56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019e2714-865d-739b-9ed8-b183c1eb836a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019e2714-865d-739b-9ed8-b183c1eb836a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019e2714-865d-72e5-9932-558825ce6cd1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019e2714-865d-72e5-9932-558825ce6cd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019e2714-865d-726b-a30a-b58180a3d3af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019e2714-865d-726b-a30a-b58180a3d3af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RepaymentsOfCareProviderLoansCyberattack_019e2714-865d-7740-ab23-c4d2a4c21d1f" xlink:href="unh-20260630.xsd#unh_RepaymentsOfCareProviderLoansCyberattack"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_unh_RepaymentsOfCareProviderLoansCyberattack_019e2714-865d-7740-ab23-c4d2a4c21d1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OriginationsAndPurchasesOfLoans_019e2714-865d-727b-9c0b-3a1efe8d82d6" xlink:href="unh-20260630.xsd#unh_OriginationsAndPurchasesOfLoans"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_unh_OriginationsAndPurchasesOfLoans_019e2714-865d-727b-9c0b-3a1efe8d82d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RepaymentsAndMaturitiesOfLoans_019e2714-865d-77b7-99fd-ca85a73cc8c3" xlink:href="unh-20260630.xsd#unh_RepaymentsAndMaturitiesOfLoans"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_unh_RepaymentsAndMaturitiesOfLoans_019e2714-865d-77b7-99fd-ca85a73cc8c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDivestitureOfBusinesses_019e2714-865d-7c14-ac50-a208a8a86eee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromDivestitureOfBusinesses"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_ProceedsFromDivestitureOfBusinesses_019e2714-865d-7c14-ac50-a208a8a86eee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019e2714-865d-7e76-b78e-eb2699b6de03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019e2714-865d-7e76-b78e-eb2699b6de03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e2714-865d-7790-b8d1-2931d842104e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_019e2714-865d-7b8c-8772-590817efa74a" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e2714-865d-7790-b8d1-2931d842104e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019e2714-865d-7104-90b3-713e5f22da76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019e2714-865d-7104-90b3-713e5f22da76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019e2714-865d-7dd5-85b3-77cd27b11192" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019e2714-865d-7dd5-85b3-77cd27b11192" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019e2714-865d-7137-85be-a5dba41876a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019e2714-865d-7137-85be-a5dba41876a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_019e2714-865d-70ca-b761-ae3a4cc79091" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_019e2714-865d-70ca-b761-ae3a4cc79091" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_019e2714-865d-77ad-b4a6-842be9161248" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromRepaymentsOfCommercialPaper"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfCommercialPaper_019e2714-865d-77ad-b4a6-842be9161248" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019e8a44-a672-7055-9a55-f57682e72678" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_019e8a44-a672-7055-9a55-f57682e72678" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_019e2714-865d-7bc8-bc2e-5e69e133faf4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_019e2714-865d-7bc8-bc2e-5e69e133faf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019e2714-865d-7651-a897-cb47023626f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_019e2714-865d-7651-a897-cb47023626f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e2714-865d-71fb-84b1-589871d24306" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_019e2714-865d-7642-94f0-70b300a26cc8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e2714-865d-71fb-84b1-589871d24306" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2714-865d-7b7a-b003-692b93a17030" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2714-865d-7b7a-b003-692b93a17030" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectDisposalGroupIncludingDiscontinuedOperations_019e2714-865d-794a-882a-88733b110244" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectDisposalGroupIncludingDiscontinuedOperations"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffectDisposalGroupIncludingDiscontinuedOperations_019e2714-865d-794a-882a-88733b110244" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_IncreaseInCashWithinBusinessesHeldForSale_019e2714-865d-79b8-bcc9-328e9293758b" xlink:href="unh-20260630.xsd#unh_IncreaseInCashWithinBusinessesHeldForSale"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_unh_IncreaseInCashWithinBusinessesHeldForSale_019e2714-865d-79b8-bcc9-328e9293758b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e2714-865d-7680-9885-26319e2f4937" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e2714-865d-7680-9885-26319e2f4937" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2714-865d-70db-b84a-7f2b47b165de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2714-865d-70db-b84a-7f2b47b165de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2714-865d-7847-b18a-49db67f591f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_019e2714-865d-7d1a-87c4-8ad4fed7d869" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019e2714-865d-7847-b18a-49db67f591f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/BasisofPresentationNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#BasisofPresentationNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/BasisofPresentationNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_unh_BasisofpresentationAbstract_019e2714-865d-7b22-9e2a-079e87118b5e" xlink:href="unh-20260630.xsd#unh_BasisofpresentationAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_019e2714-865d-7126-b64b-f18aaa380208" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisofpresentationAbstract_019e2714-865d-7b22-9e2a-079e87118b5e" xlink:to="loc_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_019e2714-865d-7126-b64b-f18aaa380208" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-773a-b4d4-c4530d5aea72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_019e2714-865d-76ad-846c-02e7beb5a427" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-773a-b4d4-c4530d5aea72" xlink:to="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_019e2714-865d-76ad-846c-02e7beb5a427" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/FairValueNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#FairValueNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/FairValueNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-7f39-bcec-1100fcc4e120" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_019e2714-865d-70d7-b972-91e01ca8eebd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-7f39-bcec-1100fcc4e120" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_019e2714-865d-70d7-b972-91e01ca8eebd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/MedicalCostsPayableNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#MedicalCostsPayableNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/MedicalCostsPayableNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_019e2714-865d-7b0d-a91a-6ebd0c574a07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortDurationInsuranceAndDepositContractsTextBlock_019e2714-865d-732d-bea4-7420a363a6a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortDurationInsuranceAndDepositContractsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_019e2714-865d-7b0d-a91a-6ebd0c574a07" xlink:to="loc_us-gaap_ShortDurationInsuranceAndDepositContractsTextBlock_019e2714-865d-732d-bea4-7420a363a6a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#ShortTermBorrowingsandLongTermDebtNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-7ba5-835c-d772d5b7f378" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_019e2714-865d-76bc-b683-06a43c58d680" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-7ba5-835c-d772d5b7f378" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_019e2714-865d-76bc-b683-06a43c58d680" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShareholdersEquityNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#ShareholdersEquityNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShareholdersEquityNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019e2714-865d-7d55-b0da-37671f3fd44c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_019e2714-865d-757f-a762-4ac80fd05363" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7d55-b0da-37671f3fd44c" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_019e2714-865d-757f-a762-4ac80fd05363" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CommitmentsandContingenciesNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#CommitmentsandContingenciesNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CommitmentsandContingenciesNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019e2714-865d-7e55-af4f-681bfcdd3ace" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019e2714-865d-76e9-880a-9e647bfe5475" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019e2714-865d-7e55-af4f-681bfcdd3ace" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_019e2714-865d-76e9-880a-9e647bfe5475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/HeldforSaleandDispositionsNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#HeldforSaleandDispositionsNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/HeldforSaleandDispositionsNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-75c2-a3c6-d65c562348d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock_019e2714-865d-7e38-ad47-4ec1c769c08d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-75c2-a3c6-d65c562348d2" xlink:to="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock_019e2714-865d-7e38-ad47-4ec1c769c08d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/SegmentFinancialInformationNotes" xlink:type="simple" xlink:href="unh-20260630.xsd#SegmentFinancialInformationNotes"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/SegmentFinancialInformationNotes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-73d7-962d-b0f216ac7052" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_019e2714-865e-76fa-bc0e-6856ce43c58c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-73d7-962d-b0f216ac7052" xlink:to="loc_us-gaap_SegmentReportingDisclosureTextBlock_019e2714-865e-76fa-bc0e-6856ce43c58c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/BasisofPresentationPolicies" xlink:type="simple" xlink:href="unh-20260630.xsd#BasisofPresentationPolicies"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/BasisofPresentationPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_unh_BasisofpresentationAbstract_019e2714-865d-72ab-9c18-1b300c49e40c" xlink:href="unh-20260630.xsd#unh_BasisofpresentationAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019e2714-865d-755a-a558-c2f3a42e774e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisofpresentationAbstract_019e2714-865d-72ab-9c18-1b300c49e40c" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_019e2714-865d-755a-a558-c2f3a42e774e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates_019e2714-865d-7d5c-ba23-53193ad36585" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UseOfEstimates"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisofpresentationAbstract_019e2714-865d-72ab-9c18-1b300c49e40c" xlink:to="loc_us-gaap_UseOfEstimates_019e2714-865d-7d5c-ba23-53193ad36585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRecognitionPolicyTextBlock_019e2714-865d-7248-8d55-a0987fdf0ff3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRecognitionPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisofpresentationAbstract_019e2714-865d-72ab-9c18-1b300c49e40c" xlink:to="loc_us-gaap_RevenueRecognitionPolicyTextBlock_019e2714-865d-7248-8d55-a0987fdf0ff3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsPolicies" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsPolicies"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7ed5-950d-3b797f0d0bde" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock_019e2714-865d-7e99-8196-831a891b53f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7ed5-950d-3b797f0d0bde" xlink:to="loc_us-gaap_InvestmentPolicyTextBlock_019e2714-865d-7e99-8196-831a891b53f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/AccountingPoliciesTables" xlink:type="simple" xlink:href="unh-20260630.xsd#AccountingPoliciesTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/AccountingPoliciesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_019e2714-865d-7d13-9a1c-bacc2a3de56d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingPoliciesAbstract"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsTables" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7f0d-897a-0703c9c7923d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e2714-865d-7481-9749-96fffc83af0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7f0d-897a-0703c9c7923d" xlink:to="loc_us-gaap_StatementTable_019e2714-865d-7481-9749-96fffc83af0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7417-bfde-81f65df92d45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7481-9749-96fffc83af0d" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7417-bfde-81f65df92d45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7880-aeee-2ef461fe84df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7417-bfde-81f65df92d45" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7880-aeee-2ef461fe84df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e2714-865d-70c5-a523-a38448b99c9b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_019e2714-865d-7481-9749-96fffc83af0d" xlink:to="loc_us-gaap_StatementLineItems_019e2714-865d-70c5-a523-a38448b99c9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_019e2714-865d-70fb-ab66-51c433378efd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-70c5-a523-a38448b99c9b" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_019e2714-865d-70fb-ab66-51c433378efd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_019e2714-865d-7a6f-91c1-3e1fef164b92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-70c5-a523-a38448b99c9b" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_019e2714-865d-7a6f-91c1-3e1fef164b92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_019e2714-865d-79e3-9cad-3a5594620453" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7f0d-897a-0703c9c7923d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTableTextBlock_019e2714-865d-79e3-9cad-3a5594620453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/FairValueTables" xlink:type="simple" xlink:href="unh-20260630.xsd#FairValueTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/FairValueTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-7cb4-9b4c-3491529c3a77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-798b-be34-d0fbd51376e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-7cb4-9b4c-3491529c3a77" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-798b-be34-d0fbd51376e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-79e3-9ab9-d1920236ef7a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-798b-be34-d0fbd51376e1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-79e3-9ab9-d1920236ef7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7cca-9596-65a4009f3988" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-79e3-9ab9-d1920236ef7a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7cca-9596-65a4009f3988" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-76cd-9cdb-c86be4e9b095" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-798b-be34-d0fbd51376e1" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-76cd-9cdb-c86be4e9b095" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_019e2714-865d-7eef-a942-f4b9e88fe712" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-76cd-9cdb-c86be4e9b095" xlink:to="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_019e2714-865d-7eef-a942-f4b9e88fe712" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_019e2714-865d-7a1f-b0e0-9e045de436ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-76cd-9cdb-c86be4e9b095" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_019e2714-865d-7a1f-b0e0-9e045de436ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/MedicalCostsPayableTables" xlink:type="simple" xlink:href="unh-20260630.xsd#MedicalCostsPayableTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/MedicalCostsPayableTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_019e2714-865d-76af-a2c1-8cdb85fd992a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_019e2714-865d-743c-aba0-def7e51d115a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_019e2714-865d-76af-a2c1-8cdb85fd992a" xlink:to="loc_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense_019e2714-865d-743c-aba0-def7e51d115a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtTables" xlink:type="simple" xlink:href="unh-20260630.xsd#ShortTermBorrowingsandLongTermDebtTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-7ae6-a08d-1ae018296fac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7a2f-a85c-1bc3290ae99d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-7ae6-a08d-1ae018296fac" xlink:to="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7a2f-a85c-1bc3290ae99d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019e2714-865d-742d-9c0a-f3c70d7c1759" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7a2f-a85c-1bc3290ae99d" xlink:to="loc_srt_StatementScenarioAxis_019e2714-865d-742d-9c0a-f3c70d7c1759" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-75f6-9e57-99d7917e0cc5" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019e2714-865d-742d-9c0a-f3c70d7c1759" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-75f6-9e57-99d7917e0cc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019e2714-865d-735f-91a7-236e4c5665d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7a2f-a85c-1bc3290ae99d" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019e2714-865d-735f-91a7-236e4c5665d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShareholdersEquityTables" xlink:type="simple" xlink:href="unh-20260630.xsd#ShareholdersEquityTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShareholdersEquityTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019e2714-865d-71e2-b01e-b122d6ece7c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsDeclaredTableTextBlock_019e2714-865d-702f-b92d-d67ca825ff81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsDeclaredTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-71e2-b01e-b122d6ece7c4" xlink:to="loc_us-gaap_DividendsDeclaredTableTextBlock_019e2714-865d-702f-b92d-d67ca825ff81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/HeldforSaleandDispositionsTables" xlink:type="simple" xlink:href="unh-20260630.xsd#HeldforSaleandDispositionsTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/HeldforSaleandDispositionsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-72da-8326-57d78eeba3f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock_019e2714-865d-7955-929f-e336b526fa23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-72da-8326-57d78eeba3f7" xlink:to="loc_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock_019e2714-865d-7955-929f-e336b526fa23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/SegmentFinancialInformationTables" xlink:type="simple" xlink:href="unh-20260630.xsd#SegmentFinancialInformationTables"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/SegmentFinancialInformationTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-7803-8e98-a6f20262a291" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019e2714-865e-76dc-97dc-179a8e278b5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-7803-8e98-a6f20262a291" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_019e2714-865e-76dc-97dc-179a8e278b5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/BasisofPresentationNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#BasisofPresentationNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/BasisofPresentationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_unh_BasisofpresentationAbstract_019e2714-865d-7537-96c8-c8c948e2fbb9" xlink:href="unh-20260630.xsd#unh_BasisofpresentationAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:href="unh-20260630.xsd#unh_BasisOfPresentationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisofpresentationAbstract_019e2714-865d-7537-96c8-c8c948e2fbb9" xlink:to="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019e2714-865d-74fd-acf2-77a70687e2c8" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:to="loc_srt_StatementScenarioAxis_019e2714-865d-74fd-acf2-77a70687e2c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-70b1-b109-a4e878f3e4fd" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019e2714-865d-74fd-acf2-77a70687e2c8" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019e2714-865d-70b1-b109-a4e878f3e4fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019e2714-865d-7580-b676-53fa37b22144" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:to="loc_srt_ProductOrServiceAxis_019e2714-865d-7580-b676-53fa37b22144" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e2714-865d-7e2f-859d-152a045e57c3" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_019e2714-865d-7580-b676-53fa37b22144" xlink:to="loc_srt_ProductsAndServicesDomain_019e2714-865d-7e2f-859d-152a045e57c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ProductsAndServicesMember_019e2714-865d-7a36-93e3-39c604bb70ad" xlink:href="unh-20260630.xsd#unh_ProductsAndServicesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019e2714-865d-7e2f-859d-152a045e57c3" xlink:to="loc_unh_ProductsAndServicesMember_019e2714-865d-7a36-93e3-39c604bb70ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionStartDateAxis_019e2714-865d-72ba-b702-7978f583d79a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionStartDateAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionStartDateAxis_019e2714-865d-72ba-b702-7978f583d79a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865d-7f27-97b9-b3aa22016470" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865d-7f27-97b9-b3aa22016470" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019e2714-865d-7fbc-b58f-e4b9fb808ee9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865d-7f27-97b9-b3aa22016470" xlink:to="loc_us-gaap_SegmentDomain_019e2714-865d-7fbc-b58f-e4b9fb808ee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumInsightMember_019e2714-865d-7f0f-9e85-5b6d39f7b74d" xlink:href="unh-20260630.xsd#unh_OptumInsightMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865d-7fbc-b58f-e4b9fb808ee9" xlink:to="loc_unh_OptumInsightMember_019e2714-865d-7f0f-9e85-5b6d39f7b74d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumRxMember_019e2714-865d-75d4-b768-b8c372474577" xlink:href="unh-20260630.xsd#unh_OptumRxMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865d-7fbc-b58f-e4b9fb808ee9" xlink:to="loc_unh_OptumRxMember_019e2714-865d-75d4-b768-b8c372474577" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumHealthMember_019e2714-865d-7a3b-893b-d3ec4113f014" xlink:href="unh-20260630.xsd#unh_OptumHealthMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865d-7fbc-b58f-e4b9fb808ee9" xlink:to="loc_unh_OptumHealthMember_019e2714-865d-7a3b-893b-d3ec4113f014" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActionsTypeAxis_019fae5f-a4ab-79a3-b22e-fc572209fd4d" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActionsTypeAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:to="loc_unh_RestructuringAndOtherActionsTypeAxis_019fae5f-a4ab-79a3-b22e-fc572209fd4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae5f-a4ab-7f93-9686-5ca2d64bb0da" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActionsTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeAxis_019fae5f-a4ab-79a3-b22e-fc572209fd4d" xlink:to="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae5f-a4ab-7f93-9686-5ca2d64bb0da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_UnitedHealthFoundationContributionMember_019e2714-865d-7aa0-9c1e-73886bd5ed97" xlink:href="unh-20260630.xsd#unh_UnitedHealthFoundationContributionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae5f-a4ab-7f93-9686-5ca2d64bb0da" xlink:to="loc_unh_UnitedHealthFoundationContributionMember_019e2714-865d-7aa0-9c1e-73886bd5ed97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_LossContractReservesMember_019e2714-865d-710f-932f-13de687dae78" xlink:href="unh-20260630.xsd#unh_LossContractReservesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae5f-a4ab-7f93-9686-5ca2d64bb0da" xlink:to="loc_unh_LossContractReservesMember_019e2714-865d-710f-932f-13de687dae78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_NetValuationGainsOnEquitySecuritiesMember_019e2714-865d-7276-b665-3f85aa151dac" xlink:href="unh-20260630.xsd#unh_NetValuationGainsOnEquitySecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae5f-a4ab-7f93-9686-5ca2d64bb0da" xlink:to="loc_unh_NetValuationGainsOnEquitySecuritiesMember_019e2714-865d-7276-b665-3f85aa151dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActionsMember_019e2714-865d-7fed-bb7b-18f4a1a5f477" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActionsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae5f-a4ab-7f93-9686-5ca2d64bb0da" xlink:to="loc_unh_RestructuringAndOtherActionsMember_019e2714-865d-7fed-bb7b-18f4a1a5f477" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_BasisOfPresentationTable_019e2714-865d-743a-b184-459816d717e1" xlink:to="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NatureOfOperations_019e2714-865d-72b7-9a5f-2ffc9179845a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NatureOfOperations"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_NatureOfOperations_019e2714-865d-72b7-9a5f-2ffc9179845a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_019e2714-865d-7385-9555-e0fcac8be4aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_019e2714-865d-7385-9555-e0fcac8be4aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligation_019e2714-865d-74ff-bfe8-b0f6c17210af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligation_019e2714-865d-74ff-bfe8-b0f6c17210af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1_019e2714-865d-7486-896d-7e914da36c01" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1_019e2714-865d-7486-896d-7e914da36c01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueRemainingPerformanceObligationPercentage_019e2714-865d-7596-94d8-6d16dc6c49f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueRemainingPerformanceObligationPercentage"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_RevenueRemainingPerformanceObligationPercentage_019e2714-865d-7596-94d8-6d16dc6c49f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_UncommittedReceivablesFinancingFacility_019e2714-865d-730e-b7bb-9c1d024a0def" xlink:href="unh-20260630.xsd#unh_UncommittedReceivablesFinancingFacility"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_UncommittedReceivablesFinancingFacility_019e2714-865d-730e-b7bb-9c1d024a0def" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfFinancialAssetsAccountedForAsSalesCashProceedsReceivedForAssetsDerecognizedAmount_019e2714-865d-7bcf-ae84-d3459fea4b89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransferOfFinancialAssetsAccountedForAsSalesCashProceedsReceivedForAssetsDerecognizedAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_TransferOfFinancialAssetsAccountedForAsSalesCashProceedsReceivedForAssetsDerecognizedAmount_019e2714-865d-7bcf-ae84-d3459fea4b89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_UncommittedReceivablesFacilityAmountCollectedButNotRemitted_019e2714-865d-7fe4-98fb-8fcbfbc7ab6b" xlink:href="unh-20260630.xsd#unh_UncommittedReceivablesFacilityAmountCollectedButNotRemitted"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_UncommittedReceivablesFacilityAmountCollectedButNotRemitted_019e2714-865d-7fe4-98fb-8fcbfbc7ab6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_GainOnPortfolioActions_019e2714-865d-778f-8538-f7c49295d311" xlink:href="unh-20260630.xsd#unh_GainOnPortfolioActions"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_GainOnPortfolioActions_019e2714-865d-778f-8538-f7c49295d311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_AmountRemittedToFinancialInstitutions_019e2714-865d-7299-af4c-d49d043e38d4" xlink:href="unh-20260630.xsd#unh_AmountRemittedToFinancialInstitutions"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_AmountRemittedToFinancialInstitutions_019e2714-865d-7299-af4c-d49d043e38d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ReceivablesFinancingFacilityAmountCollectedIn2026RelatedToReceivablesSoldIn2025_019e2714-865d-7e7a-84b8-158471d086a0" xlink:href="unh-20260630.xsd#unh_ReceivablesFinancingFacilityAmountCollectedIn2026RelatedToReceivablesSoldIn2025"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_ReceivablesFinancingFacilityAmountCollectedIn2026RelatedToReceivablesSoldIn2025_019e2714-865d-7e7a-84b8-158471d086a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_LossOnPortfolioActions_019e2714-865d-7c0e-8e64-1c297725f6c3" xlink:href="unh-20260630.xsd#unh_LossOnPortfolioActions"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_LossOnPortfolioActions_019e2714-865d-7c0e-8e64-1c297725f6c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_UnhUncommittedReceivablesFacilityAmountCollected_019f817c-22fe-75c6-81b5-cab78722d1e4" xlink:href="unh-20260630.xsd#unh_UnhUncommittedReceivablesFacilityAmountCollected"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_UnhUncommittedReceivablesFacilityAmountCollected_019f817c-22fe-75c6-81b5-cab78722d1e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActions_019fae5b-7fc1-7f44-9c54-4677e5412c90" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActions"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_unh_RestructuringAndOtherActions_019fae5b-7fc1-7f44-9c54-4677e5412c90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingGeneralAndAdministrativeExpense_019e2714-865d-7d1f-a93d-91332329e448" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SellingGeneralAndAdministrativeExpense"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_SellingGeneralAndAdministrativeExpense_019e2714-865d-7d1f-a93d-91332329e448" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterestAndDividend_019e2714-865d-775f-b845-076be5bb6932" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeInterestAndDividend"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_InvestmentIncomeInterestAndDividend_019e2714-865d-775f-b845-076be5bb6932" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019e2714-865d-79aa-8a1a-08f152710c6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_019e2714-865d-7bb2-b244-c2877c65f1a8" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019e2714-865d-79aa-8a1a-08f152710c6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue_019e2714-865d-74c7-a1ec-424026f3c589" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:to="loc_us-gaap_EquitySecuritiesFvNiAndWithoutReadilyDeterminableFairValue_019e2714-865d-74c7-a1ec-424026f3c589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_019e2714-865d-77ae-a8ce-2d2b68d0aee9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityMethodInvestments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:to="loc_us-gaap_EquityMethodInvestments_019e2714-865d-77ae-a8ce-2d2b68d0aee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_019e2714-865d-7ac3-9a0f-8391cc5e2da8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_019e2714-865d-7ac3-9a0f-8391cc5e2da8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceContracts_019e2714-865d-7cf9-a5c3-b0118e5d2d19" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentOwnedBalanceContracts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:to="loc_us-gaap_InvestmentOwnedBalanceContracts_019e2714-865d-7cf9-a5c3-b0118e5d2d19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_019e2714-865d-7c02-9b5e-025db88cb271" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueAmount_019e2714-865d-7c02-9b5e-025db88cb271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueUpwardPriceAdjustmentCumulativeAmount_019e2714-865d-710a-8b4a-41bea8bdd749" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueUpwardPriceAdjustmentCumulativeAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-799d-b311-14743cf9e8a0" xlink:to="loc_us-gaap_EquitySecuritiesWithoutReadilyDeterminableFairValueUpwardPriceAdjustmentCumulativeAmount_019e2714-865d-710a-8b4a-41bea8bdd749" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsShortTermandLongTermInvestmentsDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsShortTermandLongTermInvestmentsDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsShortTermandLongTermInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7a6d-92d9-5f521ce26554" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-708f-8478-56c3880d191d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7a6d-92d9-5f521ce26554" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-708f-8478-56c3880d191d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-74e9-a84b-dc753eb8085c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-708f-8478-56c3880d191d" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-74e9-a84b-dc753eb8085c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-790f-aaac-294336eb10f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-74e9-a84b-dc753eb8085c" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-790f-aaac-294336eb10f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-790f-aaac-294336eb10f3" xlink:to="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_019e2714-865d-733e-ac94-51629dbe143d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_019e2714-865d-733e-ac94-51629dbe143d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e2714-865d-7d40-9dcd-48fb192760ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e2714-865d-7d40-9dcd-48fb192760ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e2714-865d-7c23-ba1d-927d813667ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e2714-865d-7c23-ba1d-927d813667ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-7a17-9cbc-a7d0ec3bf28c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-7a17-9cbc-a7d0ec3bf28c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-77f4-9285-274674718785" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7431-9c1b-871a5987d962" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-77f4-9285-274674718785" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-708f-8478-56c3880d191d" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e2714-865d-7827-bcbd-d770c9948e97" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e2714-865d-7827-bcbd-d770c9948e97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e2714-865d-7d4d-8130-43dcffb507ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e2714-865d-7d4d-8130-43dcffb507ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e2714-865d-7661-89ae-7e1bbebb9c70" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e2714-865d-7661-89ae-7e1bbebb9c70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e2714-865d-76ff-916c-af14299312ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e2714-865d-76ff-916c-af14299312ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_019e2714-865d-7b0a-b827-2730453619a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_HeldToMaturitySecurities_019e2714-865d-7b0a-b827-2730453619a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019e2714-865d-74e5-83f4-a5f235c201e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019e2714-865d-74e5-83f4-a5f235c201e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e2714-865d-7e9f-91b6-26594c739ba9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e2714-865d-7e9f-91b6-26594c739ba9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e2714-865d-7d64-9eb4-82ec3ef554c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e2714-865d-7d64-9eb4-82ec3ef554c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_019e2714-865d-788d-9d5a-cea588d68f7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_019e2714-865d-788d-9d5a-cea588d68f7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_019e2714-865d-7731-925c-972eab884c0a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedLoss_019e2714-865d-7731-925c-972eab884c0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_019e2714-865d-7262-971a-5fd3b3bfcef0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityCumulativeUnrecognizedGain_019e2714-865d-7262-971a-5fd3b3bfcef0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_019e2714-865d-7006-999a-a5d301a47317" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7d03-a467-0d7433a2274c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_019e2714-865d-7006-999a-a5d301a47317" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsAmortizedCostandFairValueofAvailableforSaleDebtSecuritiesbyContractualMaturityDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsAmortizedCostandFairValueofAvailableforSaleDebtSecuritiesbyContractualMaturityDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsAmortizedCostandFairValueofAvailableforSaleDebtSecuritiesbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7c56-bdb3-60fcc235c747" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-7472-9ace-33de1f6f3571" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-7c56-bdb3-60fcc235c747" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-7472-9ace-33de1f6f3571" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7e6e-a978-314b45e928ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-7472-9ace-33de1f6f3571" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7e6e-a978-314b45e928ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-796a-ad2d-f78279d689a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7e6e-a978-314b45e928ce" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-796a-ad2d-f78279d689a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-730f-a475-cab66674532a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-796a-ad2d-f78279d689a4" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-730f-a475-cab66674532a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-738c-8b70-f05ffaacda03" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-796a-ad2d-f78279d689a4" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-738c-8b70-f05ffaacda03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-7472-9ace-33de1f6f3571" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019e2714-865d-7f16-b4e4-5257bb8106e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019e2714-865d-7f16-b4e4-5257bb8106e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019e2714-865d-7bd3-ae4a-01e520a120d1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019e2714-865d-7bd3-ae4a-01e520a120d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019e2714-865d-7822-8fec-a2a76db4aa6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019e2714-865d-7822-8fec-a2a76db4aa6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019e2714-865d-7f1a-a5c8-b7aea72fdf14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019e2714-865d-7f1a-a5c8-b7aea72fdf14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019e2714-865d-7a34-9abc-1b2198ef99f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_019e2714-865d-7a34-9abc-1b2198ef99f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e2714-865d-7e06-a4cf-1f8dad42b7a4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_019e2714-865d-7e06-a4cf-1f8dad42b7a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019e2714-865d-7ffc-a377-0a34e991e25b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019e2714-865d-7ffc-a377-0a34e991e25b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e2714-865d-78bd-8111-78408db89f0e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e2714-865d-78bd-8111-78408db89f0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e2714-865d-7825-a1dc-dfa09bcb82d3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e2714-865d-7825-a1dc-dfa09bcb82d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019e2714-865d-7ed1-95a2-96ceec8f8a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019e2714-865d-7ed1-95a2-96ceec8f8a5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019e2714-865d-7d8c-b449-78206d7ed18b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_019e2714-865d-7d8c-b449-78206d7ed18b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e2714-865d-7e02-8a8f-a2c2aa49951f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e2714-865d-7e02-8a8f-a2c2aa49951f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_019e2714-865d-7eb1-b2cc-351085e69f3e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_019e2714-865d-7eb1-b2cc-351085e69f3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_019e2714-865d-775d-9374-f17e173c9fb4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_019e2714-865d-775d-9374-f17e173c9fb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_019e2714-865d-7cc3-afc6-4bce392fe4b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_019e2714-865d-7cc3-afc6-4bce392fe4b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_019e2714-865d-7ed9-86c6-64232ab355eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_019e2714-865d-7ed9-86c6-64232ab355eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_019e2714-865d-7ce4-9a15-961f5238fb7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecurities_019e2714-865d-7ce4-9a15-961f5238fb7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019e2714-865d-752b-997b-10ee0bba4400" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019e2714-865d-752b-997b-10ee0bba4400" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e2714-865d-7b50-aaa0-20c90d654dd3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e2714-865d-7b50-aaa0-20c90d654dd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e2714-865d-7ee3-9dab-f34edfc31d07" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e2714-865d-7ee3-9dab-f34edfc31d07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019e2714-865d-725f-be7d-9ad91a23453e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019e2714-865d-725f-be7d-9ad91a23453e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e2714-865d-73b0-ab19-6492006816ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-77e8-ac38-9cc51db4d8ed" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e2714-865d-73b0-ab19-6492006816ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/InvestmentsFairValueofAvailableForSaleInvestmentswithGrossUnrealizedLossesbyInvestmentTypeandLengthofTimeThatIndividualSecuritiesHaveBeeninaContinuousUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#InvestmentsFairValueofAvailableForSaleInvestmentswithGrossUnrealizedLossesbyInvestmentTypeandLengthofTimeThatIndividualSecuritiesHaveBeeninaContinuousUnrealizedLossPositionDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/InvestmentsFairValueofAvailableForSaleInvestmentswithGrossUnrealizedLossesbyInvestmentTypeandLengthofTimeThatIndividualSecuritiesHaveBeeninaContinuousUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsAbstract_019e2714-865d-774b-a875-7cef6a7111ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-743d-a1d2-67cafb26e0bd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsAbstract_019e2714-865d-774b-a875-7cef6a7111ca" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-743d-a1d2-67cafb26e0bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7072-97e0-bce915ebd230" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-743d-a1d2-67cafb26e0bd" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7072-97e0-bce915ebd230" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7006-bd6d-1a0684dee4bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-7072-97e0-bce915ebd230" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7006-bd6d-1a0684dee4bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7006-bd6d-1a0684dee4bc" xlink:to="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_019e2714-865d-7c71-8c60-8ccc34a85658" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_019e2714-865d-7c71-8c60-8ccc34a85658" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e2714-865d-77a7-86c6-4207a1300b7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e2714-865d-77a7-86c6-4207a1300b7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e2714-865d-70c1-a894-b3f51ed61589" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e2714-865d-70c1-a894-b3f51ed61589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-791e-b6ed-f16dbfba20a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-791e-b6ed-f16dbfba20a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-76dc-9186-8d9479871a05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-7ed8-a676-e99147e7b9f8" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-76dc-9186-8d9479871a05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_019e2714-865d-743d-a1d2-67cafb26e0bd" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e2714-865d-7977-ba8f-71d8412cb6be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e2714-865d-7977-ba8f-71d8412cb6be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e2714-865d-7ab8-9a1e-384c9041168d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e2714-865d-7ab8-9a1e-384c9041168d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e2714-865d-7711-9c31-9857d70fce4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e2714-865d-7711-9c31-9857d70fce4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e2714-865d-7994-be6b-1f4eb8cd002b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e2714-865d-7994-be6b-1f4eb8cd002b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e2714-865d-7c7f-bc07-b2ed7f9ef1f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e2714-865d-7c7f-bc07-b2ed7f9ef1f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e2714-865d-7e80-ba03-6d0f39e4cd72" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_019e2714-865d-7335-bebc-9d8b43f78726" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e2714-865d-7e80-ba03-6d0f39e4cd72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/FairValueNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#FairValueNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/FairValueNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-712e-9bc1-009f422e3b25" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019e2714-865d-779e-ab58-599e6150bea2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-712e-9bc1-009f422e3b25" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019e2714-865d-779e-ab58-599e6150bea2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e2714-865d-75df-ba0a-e469b80ac7b7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019e2714-865d-779e-ab58-599e6150bea2" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e2714-865d-75df-ba0a-e469b80ac7b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e2714-865d-78ba-8d82-be4c2238b48a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e2714-865d-75df-ba0a-e469b80ac7b7" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e2714-865d-78ba-8d82-be4c2238b48a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019e2714-865d-7b68-9c90-aab9ddca3d9b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e2714-865d-78ba-8d82-be4c2238b48a" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019e2714-865d-7b68-9c90-aab9ddca3d9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7f25-a9f8-171880e792bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019e2714-865d-779e-ab58-599e6150bea2" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7f25-a9f8-171880e792bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-784a-8886-527608f13425" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7f25-a9f8-171880e792bf" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-784a-8886-527608f13425" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019e2714-865d-77da-9de9-9dbe741e5b7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019e2714-865d-779e-ab58-599e6150bea2" xlink:to="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019e2714-865d-77da-9de9-9dbe741e5b7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_019e2714-865d-720b-9f41-b6f42750efc7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019e2714-865d-77da-9de9-9dbe741e5b7e" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersIntoLevel3_019e2714-865d-720b-9f41-b6f42750efc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_019e2714-865d-7882-bba8-9251f3a9d269" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019e2714-865d-77da-9de9-9dbe741e5b7e" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersOutOfLevel3_019e2714-865d-7882-bba8-9251f3a9d269" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis_019e2714-865d-7777-be99-cfc7c394fc57" xlink:href="unh-20260630.xsd#unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019e2714-865d-77da-9de9-9dbe741e5b7e" xlink:to="loc_unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis_019e2714-865d-7777-be99-cfc7c394fc57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/FairValueFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#FairValueFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/FairValueFinancialAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-727a-822c-84f2fbf01070" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-7988-899b-422557bce002" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-727a-822c-84f2fbf01070" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-7988-899b-422557bce002" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7d04-b46d-81eb6f0e672c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-7988-899b-422557bce002" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7d04-b46d-81eb6f0e672c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7f57-8491-19a33d2c4c38" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7d04-b46d-81eb6f0e672c" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7f57-8491-19a33d2c4c38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019e2714-865d-7832-a5ca-b662e88e653a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7f57-8491-19a33d2c4c38" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019e2714-865d-7832-a5ca-b662e88e653a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019e2714-865d-7d67-bf82-6c393f853906" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7f57-8491-19a33d2c4c38" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019e2714-865d-7d67-bf82-6c393f853906" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019e2714-865d-70d0-9734-b371e2d81397" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7f57-8491-19a33d2c4c38" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019e2714-865d-70d0-9734-b371e2d81397" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-78ae-9300-5451712bcc6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-7988-899b-422557bce002" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-78ae-9300-5451712bcc6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7136-9cdf-6d1bef6402db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e2714-865d-78ae-9300-5451712bcc6b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7136-9cdf-6d1bef6402db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e2714-865d-7136-9cdf-6d1bef6402db" xlink:to="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_019e2714-865d-7f83-a27c-842ee4df4ecf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_019e2714-865d-7f83-a27c-842ee4df4ecf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e2714-865d-79fb-ba82-3cfe44acbccb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e2714-865d-79fb-ba82-3cfe44acbccb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e2714-865d-71b0-988c-cd4259b1f859" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e2714-865d-71b0-988c-cd4259b1f859" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-731a-b259-9a4a5dd6c807" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019e2714-865d-731a-b259-9a4a5dd6c807" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-7c65-bb9d-55f43a607c0b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_019e2714-865d-72d6-85ae-9d67d9f980c3" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_019e2714-865d-7c65-bb9d-55f43a607c0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-7988-899b-422557bce002" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019e2714-865d-75ea-bcbc-41f8b95c1009" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019e2714-865d-75ea-bcbc-41f8b95c1009" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e2714-865d-717a-9570-37728ec5bda8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e2714-865d-717a-9570-37728ec5bda8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e2714-865d-79b5-97eb-4ace8c57bbfe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e2714-865d-79b5-97eb-4ace8c57bbfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019e2714-865d-7b19-8182-68335d719bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_019e2714-865d-7b19-8182-68335d719bbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019e2714-865d-7a6b-a498-feb32a5247dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7a55-8555-aad920403f7c" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019e2714-865d-7a6b-a498-feb32a5247dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/FairValueFinancialAssetsandLiabilitiesNotMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#FairValueFinancialAssetsandLiabilitiesNotMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/FairValueFinancialAssetsandLiabilitiesNotMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-7db3-91f3-776fafe0b38f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-78a8-9972-3d6a95488392" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_019e2714-865d-7db3-91f3-776fafe0b38f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-78a8-9972-3d6a95488392" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019e2714-865d-7877-8784-464a34fae9c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-78a8-9972-3d6a95488392" xlink:to="loc_us-gaap_DebtInstrumentAxis_019e2714-865d-7877-8784-464a34fae9c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e2714-865d-7745-84e2-10c90c24a45b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e2714-865d-7877-8784-464a34fae9c1" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e2714-865d-7745-84e2-10c90c24a45b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMember_019e2714-865d-77fa-bcdb-ea62d8fc27b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019e2714-865d-7745-84e2-10c90c24a45b" xlink:to="loc_us-gaap_LongTermDebtMember_019e2714-865d-77fa-bcdb-ea62d8fc27b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e2714-865d-7119-8ac0-29b41dd2033b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-78a8-9972-3d6a95488392" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e2714-865d-7119-8ac0-29b41dd2033b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e2714-865d-7183-8abe-213881d91f17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e2714-865d-7119-8ac0-29b41dd2033b" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e2714-865d-7183-8abe-213881d91f17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019e2714-865d-7fb5-987c-f6893d34cb0c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e2714-865d-7183-8abe-213881d91f17" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019e2714-865d-7fb5-987c-f6893d34cb0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7183-8b0b-c95d7a5e00a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-78a8-9972-3d6a95488392" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7183-8b0b-c95d7a5e00a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7b86-8ed3-7f202fd87f62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e2714-865d-7183-8b0b-c95d7a5e00a7" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7b86-8ed3-7f202fd87f62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019e2714-865d-7aa6-8e16-91703952ada9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7b86-8ed3-7f202fd87f62" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019e2714-865d-7aa6-8e16-91703952ada9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019e2714-865d-70ca-a252-41e98e763b91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7b86-8ed3-7f202fd87f62" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019e2714-865d-70ca-a252-41e98e763b91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019e2714-865d-748e-9942-96a2a100e75f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e2714-865d-7b86-8ed3-7f202fd87f62" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019e2714-865d-748e-9942-96a2a100e75f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e2714-865d-78a8-9972-3d6a95488392" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e2714-865d-7591-9907-0717cde6a6e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e2714-865d-7591-9907-0717cde6a6e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_019e2714-865d-73c0-a97b-29a326c65d50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:to="loc_us-gaap_HeldToMaturitySecurities_019e2714-865d-73c0-a97b-29a326c65d50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFairValue_019e2714-865d-7251-a2f9-438aa4dd1acc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:to="loc_us-gaap_DebtInstrumentFairValue_019e2714-865d-7251-a2f9-438aa4dd1acc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_019e2714-865d-7ee5-93af-30a81aca2ee0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_019e2714-865d-7ee5-93af-30a81aca2ee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019e2714-865d-7c77-98ee-9bad6fce8b01" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019e2714-865d-7c77-98ee-9bad6fce8b01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_LoanReceivablesCarryingValue_019e2714-865d-7cbf-acd1-5c8c629d6e95" xlink:href="unh-20260630.xsd#unh_LoanReceivablesCarryingValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e2714-865d-7b73-8766-18078564aae9" xlink:to="loc_unh_LoanReceivablesCarryingValue_019e2714-865d-7cbf-acd1-5c8c629d6e95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/MedicalCostsPayableNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#MedicalCostsPayableNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/MedicalCostsPayableNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_019e2714-865d-756d-b434-e4feb8f86f10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsAmount_019e2714-865d-79cf-a28b-6d118629a2b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_019e2714-865d-756d-b434-e4feb8f86f10" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsAmount_019e2714-865d-79cf-a28b-6d118629a2b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/MedicalCostsPayableDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#MedicalCostsPayableDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/MedicalCostsPayableDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceAbstract_019e2714-865d-7dde-9328-5eab24de4d3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_019e2714-865d-7f16-b947-a243e910e172" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InsuranceAbstract_019e2714-865d-7dde-9328-5eab24de4d3f" xlink:to="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_019e2714-865d-7f16-b947-a243e910e172" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019e2714-865d-7cd4-b872-4d2e9471e7aa" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_019e2714-865d-7f16-b947-a243e910e172" xlink:to="loc_srt_ProductOrServiceAxis_019e2714-865d-7cd4-b872-4d2e9471e7aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e2714-865d-7814-ba76-f2cefdd74894" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_019e2714-865d-7cd4-b872-4d2e9471e7aa" xlink:to="loc_srt_ProductsAndServicesDomain_019e2714-865d-7814-ba76-f2cefdd74894" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_019e2714-865d-74f9-bc3e-f4748e3e704f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseTable_019e2714-865d-7f16-b947-a243e910e172" xlink:to="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_019e2714-865d-74f9-bc3e-f4748e3e704f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019e2714-865d-7e7d-ab12-27ca3c97aa05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_019e2714-865d-74f9-bc3e-f4748e3e704f" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019e2714-865d-7e7d-ab12-27ca3c97aa05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract_019e2714-865d-7c44-b26c-da24687f130b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_019e2714-865d-74f9-bc3e-f4748e3e704f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract_019e2714-865d-7c44-b26c-da24687f130b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019e2714-865d-750b-ac35-44001f5d5549" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract_019e2714-865d-7c44-b26c-da24687f130b" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_019e2714-865d-750b-ac35-44001f5d5549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019e2714-865d-7939-b4d1-44299bd0c08c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract_019e2714-865d-7c44-b26c-da24687f130b" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_019e2714-865d-7939-b4d1-44299bd0c08c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_PremiumDeficiencyAndLossContractsReserves_019e2714-865d-754c-a956-8b8aa7e0ee5a" xlink:href="unh-20260630.xsd#unh_PremiumDeficiencyAndLossContractsReserves"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract_019e2714-865d-7c44-b26c-da24687f130b" xlink:to="loc_unh_PremiumDeficiencyAndLossContractsReserves_019e2714-865d-754c-a956-8b8aa7e0ee5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019e2714-865d-72a2-8764-d875093a7406" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract_019e2714-865d-7c44-b26c-da24687f130b" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_019e2714-865d-72a2-8764-d875093a7406" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract_019e2714-865d-7317-acb8-9c072a2ad293" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_019e2714-865d-74f9-bc3e-f4748e3e704f" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract_019e2714-865d-7317-acb8-9c072a2ad293" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019e2714-865d-7fcd-b465-e6709d0d09a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract_019e2714-865d-7317-acb8-9c072a2ad293" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_019e2714-865d-7fcd-b465-e6709d0d09a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019e2714-865d-7f64-8cc0-dbec0c8c44e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract_019e2714-865d-7317-acb8-9c072a2ad293" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_019e2714-865d-7f64-8cc0-dbec0c8c44e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019e2714-865d-7303-8ce8-6a39e95449d8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract_019e2714-865d-7317-acb8-9c072a2ad293" xlink:to="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_019e2714-865d-7303-8ce8-6a39e95449d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale_019e2714-865d-727a-bff5-874f5b9627cc" xlink:href="unh-20260630.xsd#unh_IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract_019e2714-865d-7317-acb8-9c072a2ad293" xlink:to="loc_unh_IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale_019e2714-865d-727a-bff5-874f5b9627cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019e2714-865d-7b84-991f-5d31abd94e1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CausesOfIncreaseDecreaseInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseLineItems_019e2714-865d-74f9-bc3e-f4748e3e704f" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_019e2714-865d-7b84-991f-5d31abd94e1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#ShortTermBorrowingsandLongTermDebtDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-7a65-b58e-5d57f59eb681" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7d46-a6b4-67261c11690d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-7a65-b58e-5d57f59eb681" xlink:to="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7d46-a6b4-67261c11690d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019e2714-865d-7111-9534-df843cc00b60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7d46-a6b4-67261c11690d" xlink:to="loc_us-gaap_DebtInstrumentAxis_019e2714-865d-7111-9534-df843cc00b60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019e2714-865d-7ba4-ad21-468936882f5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_019e2714-865d-7111-9534-df843cc00b60" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019e2714-865d-7ba4-ad21-468936882f5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019e2714-865d-7f2b-ae78-ab174a513353" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7d46-a6b4-67261c11690d" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019e2714-865d-7f2b-ae78-ab174a513353" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e2714-865d-70a4-9a62-92b33a4f23a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e2714-865d-7f2b-ae78-ab174a513353" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e2714-865d-70a4-9a62-92b33a4f23a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019e2714-865d-7c77-9b52-7b30c8a9fec3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_019e2714-865d-7d46-a6b4-67261c11690d" xlink:to="loc_us-gaap_DebtInstrumentLineItems_019e2714-865d-7c77-9b52-7b30c8a9fec3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#ShortTermBorrowingsandLongTermDebtNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShortTermBorrowingsandLongTermDebtNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_019e2714-865d-788f-bfaf-b261eaeaeb08" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtDisclosureAbstract"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/ShareholdersEquityDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#ShareholdersEquityDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/ShareholdersEquityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_019fae9c-59bc-740f-897c-bd1767e31f00" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_us-gaap_SubsequentEventTable_019fae9c-59bc-740f-897c-bd1767e31f00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_019fae9c-9ff6-70d0-ad89-38a417fe2bbd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_019fae9c-59bc-740f-897c-bd1767e31f00" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_019fae9c-9ff6-70d0-ad89-38a417fe2bbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_019fae9f-88bd-7bfb-b8ee-265058809a82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_019fae9c-9ff6-70d0-ad89-38a417fe2bbd" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_019fae9f-88bd-7bfb-b8ee-265058809a82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_019fae9c-c1dd-780d-b1b9-00d89212b1ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_019fae9f-88bd-7bfb-b8ee-265058809a82" xlink:to="loc_us-gaap_SubsequentEventMember_019fae9c-c1dd-780d-b1b9-00d89212b1ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_019faea2-27f5-71e0-b629-22b1140b7a94" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_019fae9c-59bc-740f-897c-bd1767e31f00" xlink:to="loc_us-gaap_SubsequentEventLineItems_019faea2-27f5-71e0-b629-22b1140b7a94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventDescription_019fae8c-0dbd-711e-9e86-e215f44a0e82" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventDescription"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_019faea2-27f5-71e0-b629-22b1140b7a94" xlink:to="loc_us-gaap_SubsequentEventDescription_019fae8c-0dbd-711e-9e86-e215f44a0e82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ForwardShareRepurchaseContractsLiabilitySettlement_019fae94-3350-70d5-bae4-69b34c6c46f7" xlink:href="unh-20260630.xsd#unh_ForwardShareRepurchaseContractsLiabilitySettlement"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_019faea2-27f5-71e0-b629-22b1140b7a94" xlink:to="loc_unh_ForwardShareRepurchaseContractsLiabilitySettlement_019fae94-3350-70d5-bae4-69b34c6c46f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_019e2714-865d-7209-beda-f2f6e93b16bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_019e2714-865d-7209-beda-f2f6e93b16bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019e2714-865d-791d-aaf1-85b5e2d0c789" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019e2714-865d-791d-aaf1-85b5e2d0c789" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ForwardShareRepurchaseContracts_019e2714-865d-7783-88be-0f54ede20eb6" xlink:href="unh-20260630.xsd#unh_ForwardShareRepurchaseContracts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_unh_ForwardShareRepurchaseContracts_019e2714-865d-7783-88be-0f54ede20eb6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAmount_019e2714-865d-7047-9319-f475809140b4" xlink:href="unh-20260630.xsd#unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAmount_019e2714-865d-7047-9319-f475809140b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAveragePrice_019e2714-865d-715d-82df-5fc3e2cbeb29" xlink:href="unh-20260630.xsd#unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAveragePrice"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_unh_ForwardShareRepurchaseContractsCounterpartyPurchaseAveragePrice_019e2714-865d-715d-82df-5fc3e2cbeb29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ForwardShareRepurchaseContractsLiabilityAmount_019e2714-865d-7597-9d89-f4058768981b" xlink:href="unh-20260630.xsd#unh_ForwardShareRepurchaseContractsLiabilityAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_019e2714-865d-7885-abed-46a97ad211b2" xlink:to="loc_unh_ForwardShareRepurchaseContractsLiabilityAmount_019e2714-865d-7597-9d89-f4058768981b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/CommitmentsandContingenciesNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#CommitmentsandContingenciesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/CommitmentsandContingenciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019e2714-865d-7598-ae8a-370a32da020c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesTable_019e2714-865d-7c71-8edd-1df8af1a5649" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_019e2714-865d-7598-ae8a-370a32da020c" xlink:to="loc_us-gaap_LossContingenciesTable_019e2714-865d-7c71-8edd-1df8af1a5649" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ConsiderationAxis_019e2714-865d-7325-9444-b1ae24c46530" xlink:href="unh-20260630.xsd#unh_ConsiderationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_019e2714-865d-7c71-8edd-1df8af1a5649" xlink:to="loc_unh_ConsiderationAxis_019e2714-865d-7325-9444-b1ae24c46530" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyNatureDomain_019e2714-865d-7d0f-9fc4-8ac589500a23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingencyNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_ConsiderationAxis_019e2714-865d-7325-9444-b1ae24c46530" xlink:to="loc_us-gaap_LossContingencyNatureDomain_019e2714-865d-7d0f-9fc4-8ac589500a23" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ConsiderationPayableMember_019f8f4c-0d90-7765-bb36-8521a001c97c" xlink:href="unh-20260630.xsd#unh_ConsiderationPayableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_019e2714-865d-7d0f-9fc4-8ac589500a23" xlink:to="loc_unh_ConsiderationPayableMember_019f8f4c-0d90-7765-bb36-8521a001c97c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_019f8f4c-7fc9-74e6-a803-4ff975a6889a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_019e2714-865d-7d0f-9fc4-8ac589500a23" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_019f8f4c-7fc9-74e6-a803-4ff975a6889a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_019f80cb-4cf5-708a-9dfe-1d95d8ad2fc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_019e2714-865d-7c71-8edd-1df8af1a5649" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_019f80cb-4cf5-708a-9dfe-1d95d8ad2fc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_019f80cb-4cf5-7614-912d-008ce036eb16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_019f80cb-4cf5-708a-9dfe-1d95d8ad2fc0" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_019f80cb-4cf5-7614-912d-008ce036eb16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_019f80cb-6a85-757e-a547-c556fe6771a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_019f80cb-4cf5-7614-912d-008ce036eb16" xlink:to="loc_us-gaap_SubsequentEventMember_019f80cb-6a85-757e-a547-c556fe6771a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems_019e2714-865d-796b-b602-6da7fa07e139" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_019e2714-865d-7c71-8edd-1df8af1a5649" xlink:to="loc_us-gaap_LossContingenciesLineItems_019e2714-865d-796b-b602-6da7fa07e139" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment_019e2714-865d-78ec-a39a-236eeb21e92c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_019e2714-865d-796b-b602-6da7fa07e139" xlink:to="loc_us-gaap_OtherCommitment_019e2714-865d-78ec-a39a-236eeb21e92c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019f8bc3-9d47-784f-b4b7-2e4739b81170" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_019e2714-865d-796b-b602-6da7fa07e139" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019f8bc3-9d47-784f-b4b7-2e4739b81170" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventDescription_019f8f87-14c5-781c-b7f7-baf81fbbc8dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventDescription"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_019e2714-865d-796b-b602-6da7fa07e139" xlink:to="loc_us-gaap_SubsequentEventDescription_019f8f87-14c5-781c-b7f7-baf81fbbc8dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDescription_019f948b-3917-7f6b-826c-971e37dedd42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsDescription"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_019e2714-865d-796b-b602-6da7fa07e139" xlink:to="loc_us-gaap_OtherCommitmentsDescription_019f948b-3917-7f6b-826c-971e37dedd42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/HeldforSaleandDispositionsNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#HeldforSaleandDispositionsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/HeldforSaleandDispositionsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-7b5b-840d-4b3400d0bfe8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-7829-a753-8dcd32de13db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-7b5b-840d-4b3400d0bfe8" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-7829-a753-8dcd32de13db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationAxis_019e2714-865d-776d-9442-a0cf01c61e14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-7829-a753-8dcd32de13db" xlink:to="loc_us-gaap_DisposalGroupClassificationAxis_019e2714-865d-776d-9442-a0cf01c61e14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-7562-a1bb-6ec57eab63cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationAxis_019e2714-865d-776d-9442-a0cf01c61e14" xlink:to="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-7562-a1bb-6ec57eab63cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember_019e2714-865d-78c3-b983-2c1044b7a5c9" xlink:href="unh-20260630.xsd#unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-7562-a1bb-6ec57eab63cc" xlink:to="loc_unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember_019e2714-865d-78c3-b983-2c1044b7a5c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_DispositionsMember_019e2714-865d-71b2-a62e-25b93ddaab39" xlink:href="unh-20260630.xsd#unh_DispositionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-7562-a1bb-6ec57eab63cc" xlink:to="loc_unh_DispositionsMember_019e2714-865d-71b2-a62e-25b93ddaab39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865d-78bd-a943-8f9bfe5d2161" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-7829-a753-8dcd32de13db" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865d-78bd-a943-8f9bfe5d2161" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019e2714-865d-710d-b176-8de6e76468ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865d-78bd-a943-8f9bfe5d2161" xlink:to="loc_us-gaap_SegmentDomain_019e2714-865d-710d-b176-8de6e76468ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumHealthMember_019e2714-865d-78c4-b9dc-38563d4c673f" xlink:href="unh-20260630.xsd#unh_OptumHealthMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865d-710d-b176-8de6e76468ba" xlink:to="loc_unh_OptumHealthMember_019e2714-865d-78c4-b9dc-38563d4c673f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumInsightMember_019e2714-865d-75ec-aba2-2aa0d11051b2" xlink:href="unh-20260630.xsd#unh_OptumInsightMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865d-710d-b176-8de6e76468ba" xlink:to="loc_unh_OptumInsightMember_019e2714-865d-75ec-aba2-2aa0d11051b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActionsTypeAxis_019fae60-a9ec-7d66-8cee-08ccfff3e247" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActionsTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-7829-a753-8dcd32de13db" xlink:to="loc_unh_RestructuringAndOtherActionsTypeAxis_019fae60-a9ec-7d66-8cee-08ccfff3e247" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae60-a9ec-7b86-ac86-f83d98b032f7" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActionsTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeAxis_019fae60-a9ec-7d66-8cee-08ccfff3e247" xlink:to="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae60-a9ec-7b86-ac86-f83d98b032f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_UnitedHealthFoundationContributionMember_019e2714-865e-75ca-8bd1-11b90e8cf72f" xlink:href="unh-20260630.xsd#unh_UnitedHealthFoundationContributionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_RestructuringAndOtherActionsTypeDomain_019fae60-a9ec-7b86-ac86-f83d98b032f7" xlink:to="loc_unh_UnitedHealthFoundationContributionMember_019e2714-865e-75ca-8bd1-11b90e8cf72f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-7829-a753-8dcd32de13db" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDivestitureOfBusinesses_019e2714-865e-71e4-94cf-708a69272091" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromDivestitureOfBusinesses"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_us-gaap_ProceedsFromDivestitureOfBusinesses_019e2714-865e-71e4-94cf-708a69272091" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865e-7fd1-a0bf-8e9981561217" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865e-7fd1-a0bf-8e9981561217" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865e-7b94-959f-0aaa5a23cd3c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865e-7b94-959f-0aaa5a23cd3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationForeignCurrencyTranslationGainsLosses_019e2714-865e-70c6-a801-882062047044" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationForeignCurrencyTranslationGainsLosses"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationForeignCurrencyTranslationGainsLosses_019e2714-865e-70c6-a801-882062047044" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_GainOnDispositionOfBusiness_019e2714-865e-7216-ae64-713ce67c5a0e" xlink:href="unh-20260630.xsd#unh_GainOnDispositionOfBusiness"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_unh_GainOnDispositionOfBusiness_019e2714-865e-7216-ae64-713ce67c5a0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_IncrementalLossOnDispositionOfBusiness_019e2714-865e-75e0-abe8-336ba63a33f2" xlink:href="unh-20260630.xsd#unh_IncrementalLossOnDispositionOfBusiness"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_unh_IncrementalLossOnDispositionOfBusiness_019e2714-865e-75e0-abe8-336ba63a33f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RestructuringAndOtherActions_019fae5d-6a8a-702d-beb2-cb88c9ceae55" xlink:href="unh-20260630.xsd#unh_RestructuringAndOtherActions"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865e-780a-bd48-bff2b9df93c8" xlink:to="loc_unh_RestructuringAndOtherActions_019fae5d-6a8a-702d-beb2-cb88c9ceae55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/HeldforSaleandDispositionsDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#HeldforSaleandDispositionsDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/HeldforSaleandDispositionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-70f2-af3e-9fabdd3b9772" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-759f-95e7-78baae818920" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_019e2714-865d-70f2-af3e-9fabdd3b9772" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-759f-95e7-78baae818920" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationAxis_019e2714-865d-7564-9414-a023f3abf3e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-759f-95e7-78baae818920" xlink:to="loc_us-gaap_DisposalGroupClassificationAxis_019e2714-865d-7564-9414-a023f3abf3e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-77ad-9b1a-f1e6a474032c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupClassificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationAxis_019e2714-865d-7564-9414-a023f3abf3e5" xlink:to="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-77ad-9b1a-f1e6a474032c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019e2714-865d-773f-b004-4c6e2a9d30f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-77ad-9b1a-f1e6a474032c" xlink:to="loc_us-gaap_DisposalGroupHeldforsaleNotDiscontinuedOperationsMember_019e2714-865d-773f-b004-4c6e2a9d30f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember_019e2714-865d-7381-a72a-8379701ff0c1" xlink:href="unh-20260630.xsd#unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain_019e2714-865d-77ad-9b1a-f1e6a474032c" xlink:to="loc_unh_OtherBusinessesHeldForSaleNotDiscontinuedOperationsMember_019e2714-865d-7381-a72a-8379701ff0c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_019e2714-865d-759f-95e7-78baae818920" xlink:to="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents_019e2714-865d-7fac-bc65-f7d4c6c45cb9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents_019e2714-865d-7fac-bc65-f7d4c6c45cb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet_019e2714-865d-7934-8c9d-f91aa356715a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsNotesAndLoansReceivableNet_019e2714-865d-7934-8c9d-f91aa356715a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationPropertyPlantAndEquipment_019e2714-865d-7979-bf33-46dbdfbb2ec2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationPropertyPlantAndEquipment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationPropertyPlantAndEquipment_019e2714-865d-7979-bf33-46dbdfbb2ec2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationGoodwill1_019e2714-865d-7a3d-b9a3-6773689bdfa7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationGoodwill1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationGoodwill1_019e2714-865d-7a3d-b9a3-6773689bdfa7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationIntangibleAssets_019e2714-865d-7062-8aa4-39b0d7967a9d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationIntangibleAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationIntangibleAssets_019e2714-865d-7062-8aa4-39b0d7967a9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentAssets_019e2714-865d-75b1-862c-2028fb062dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentAssets_019e2714-865d-75b1-862c-2028fb062dbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell_019e2714-865d-7e07-b342-f488299ff823" xlink:href="unh-20260630.xsd#unh_RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_unh_RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell_019e2714-865d-7e07-b342-f488299ff823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865d-708c-acd2-ff2dc73f78fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_AssetsOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865d-708c-acd2-ff2dc73f78fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_DisposalGroupMedicalCostsPayable_019e2714-865d-744a-97f8-34c4a8b0fffb" xlink:href="unh-20260630.xsd#unh_DisposalGroupMedicalCostsPayable"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_unh_DisposalGroupMedicalCostsPayable_019e2714-865d-744a-97f8-34c4a8b0fffb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsPayableAndAccruedLiabilities_019e2714-865d-7dc8-b331-05f7a95c6fbf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsPayableAndAccruedLiabilities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationAccountsPayableAndAccruedLiabilities_019e2714-865d-7dc8-b331-05f7a95c6fbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentLiabilities_019e2714-865d-7634-a3b5-df5299b417d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentLiabilities"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherNoncurrentLiabilities_019e2714-865d-7634-a3b5-df5299b417d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865d-76c6-8e24-1cab12e67406" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_us-gaap_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperation_019e2714-865d-76c6-8e24-1cab12e67406" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale_019e2714-865d-7519-828b-074d59b075ab" xlink:href="unh-20260630.xsd#unh_ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_unh_ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale_019e2714-865d-7519-828b-074d59b075ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss_019e2714-865d-7b8f-91a6-e1ff41a3b42d" xlink:href="unh-20260630.xsd#unh_DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsLineItems_019e2714-865d-72ca-8f7e-1a0728c9fd22" xlink:to="loc_unh_DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss_019e2714-865d-7b8f-91a6-e1ff41a3b42d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/SegmentFinancialInformationNarrativeDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#SegmentFinancialInformationNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/SegmentFinancialInformationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-71d8-ad59-b623d3cda6d7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable_019e2714-865e-7bd8-919b-385e410bd618" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-71d8-ad59-b623d3cda6d7" xlink:to="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable_019e2714-865e-7bd8-919b-385e410bd618" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865e-7f74-88fb-04738aa9ae51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable_019e2714-865e-7bd8-919b-385e410bd618" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865e-7f74-88fb-04738aa9ae51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019e2714-865e-7d5f-9132-c487deb36b6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865e-7f74-88fb-04738aa9ae51" xlink:to="loc_us-gaap_SegmentDomain_019e2714-865e-7d5f-9132-c487deb36b6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumHealthMember_019e2714-865e-723f-976b-3d3f794a650a" xlink:href="unh-20260630.xsd#unh_OptumHealthMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865e-7d5f-9132-c487deb36b6d" xlink:to="loc_unh_OptumHealthMember_019e2714-865e-723f-976b-3d3f794a650a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumInsightMember_019e2714-865e-79ae-8ec0-56e5d35c4d77" xlink:href="unh-20260630.xsd#unh_OptumInsightMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865e-7d5f-9132-c487deb36b6d" xlink:to="loc_unh_OptumInsightMember_019e2714-865e-79ae-8ec0-56e5d35c4d77" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumRxMember_019e2714-865e-7b0a-b4b8-e79fc7dbd69d" xlink:href="unh-20260630.xsd#unh_OptumRxMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865e-7d5f-9132-c487deb36b6d" xlink:to="loc_unh_OptumRxMember_019e2714-865e-7b0a-b4b8-e79fc7dbd69d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis_019e2714-865e-77ec-82ed-87be36b0b4fa" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable_019e2714-865e-7bd8-919b-385e410bd618" xlink:to="loc_srt_ConsolidationItemsAxis_019e2714-865e-77ec-82ed-87be36b0b4fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019e2714-865e-7eae-9d26-dfd9f5212c66" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsAxis_019e2714-865e-77ec-82ed-87be36b0b4fa" xlink:to="loc_srt_ConsolidationItemsDomain_019e2714-865e-7eae-9d26-dfd9f5212c66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019e2714-865e-7840-8cb0-b01664d01aff" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable_019e2714-865e-7bd8-919b-385e410bd618" xlink:to="loc_srt_StatementScenarioAxis_019e2714-865e-7840-8cb0-b01664d01aff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019e2714-865e-78f0-ba5a-97ea1cf86018" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_019e2714-865e-7840-8cb0-b01664d01aff" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019e2714-865e-78f0-ba5a-97ea1cf86018" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-7b25-a49d-493b9ec2ba05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsTable_019e2714-865e-7bd8-919b-385e410bd618" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-7b25-a49d-493b9ec2ba05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfReportableSegments_019e2714-865e-7e65-8925-5257d7bc79a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NumberOfReportableSegments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-7b25-a49d-493b9ec2ba05" xlink:to="loc_us-gaap_NumberOfReportableSegments_019e2714-865e-7e65-8925-5257d7bc79a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.uhg.com/role/SegmentFinancialInformationDetails" xlink:type="simple" xlink:href="unh-20260630.xsd#SegmentFinancialInformationDetails"/>
  <link:presentationLink xlink:role="http://www.uhg.com/role/SegmentFinancialInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-7d24-b2d4-099899b32381" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_019e2714-865e-7d24-b2d4-099899b32381" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis_019e2714-865e-7d01-8379-c24f861cdb2d" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:to="loc_srt_ConsolidationItemsAxis_019e2714-865e-7d01-8379-c24f861cdb2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019e2714-865e-77f9-93d6-dfe60b1261a7" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ConsolidationItemsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsAxis_019e2714-865e-7d01-8379-c24f861cdb2d" xlink:to="loc_srt_ConsolidationItemsDomain_019e2714-865e-77f9-93d6-dfe60b1261a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingSegmentsMember_019e2714-865e-7602-95a2-80495c9be7ed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingSegmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019e2714-865e-77f9-93d6-dfe60b1261a7" xlink:to="loc_us-gaap_OperatingSegmentsMember_019e2714-865e-7602-95a2-80495c9be7ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntersegmentEliminationMember_019e2714-865e-755f-a959-0e8164a82d93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntersegmentEliminationMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019e2714-865e-77f9-93d6-dfe60b1261a7" xlink:to="loc_us-gaap_IntersegmentEliminationMember_019e2714-865e-755f-a959-0e8164a82d93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNonSegmentMember_019e2714-865e-744a-90d3-a19ef07b2182" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateNonSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidationItemsDomain_019e2714-865e-77f9-93d6-dfe60b1261a7" xlink:to="loc_us-gaap_CorporateNonSegmentMember_019e2714-865e-744a-90d3-a19ef07b2182" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_019e2714-865e-7ab1-8411-7c2276c301cf" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MajorCustomersAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:to="loc_srt_MajorCustomersAxis_019e2714-865e-7ab1-8411-7c2276c301cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_019e2714-865e-7c8c-aa29-307af40f441f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MajorCustomersAxis_019e2714-865e-7ab1-8411-7c2276c301cf" xlink:to="loc_srt_NameOfMajorCustomerDomain_019e2714-865e-7c8c-aa29-307af40f441f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_ExternalCustomersMember_019e2714-865e-7e36-a9da-57de60998f41" xlink:href="unh-20260630.xsd#unh_ExternalCustomersMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_019e2714-865e-7c8c-aa29-307af40f441f" xlink:to="loc_unh_ExternalCustomersMember_019e2714-865e-7e36-a9da-57de60998f41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_IntersegmentMember_019e2714-865e-7fc6-a491-929cb0fbf916" xlink:href="unh-20260630.xsd#unh_IntersegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_019e2714-865e-7c8c-aa29-307af40f441f" xlink:to="loc_unh_IntersegmentMember_019e2714-865e-7fc6-a491-929cb0fbf916" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865e-7daf-a58f-5d72f29f61be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865e-7daf-a58f-5d72f29f61be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019e2714-865e-78c1-ab97-53c5fb759863" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019e2714-865e-7daf-a58f-5d72f29f61be" xlink:to="loc_us-gaap_SegmentDomain_019e2714-865e-78c1-ab97-53c5fb759863" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_UnitedhealthcareMember_019e2714-865e-7047-a267-b834c949675f" xlink:href="unh-20260630.xsd#unh_UnitedhealthcareMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865e-78c1-ab97-53c5fb759863" xlink:to="loc_unh_UnitedhealthcareMember_019e2714-865e-7047-a267-b834c949675f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_TotalOptumMember_019e2714-865e-7b0a-baf0-5c91f930d1e2" xlink:href="unh-20260630.xsd#unh_TotalOptumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_019e2714-865e-78c1-ab97-53c5fb759863" xlink:to="loc_unh_TotalOptumMember_019e2714-865e-7b0a-baf0-5c91f930d1e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumHealthMember_019e2714-865e-798e-9e1a-6a72f94a5a6b" xlink:href="unh-20260630.xsd#unh_OptumHealthMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_TotalOptumMember_019e2714-865e-7b0a-baf0-5c91f930d1e2" xlink:to="loc_unh_OptumHealthMember_019e2714-865e-798e-9e1a-6a72f94a5a6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumInsightMember_019e2714-865e-710d-bcb2-2a67e151b665" xlink:href="unh-20260630.xsd#unh_OptumInsightMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_TotalOptumMember_019e2714-865e-7b0a-baf0-5c91f930d1e2" xlink:to="loc_unh_OptumInsightMember_019e2714-865e-710d-bcb2-2a67e151b665" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_OptumRxMember_019e2714-865e-784b-b3df-d9f946080522" xlink:href="unh-20260630.xsd#unh_OptumRxMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_unh_TotalOptumMember_019e2714-865e-7b0a-baf0-5c91f930d1e2" xlink:to="loc_unh_OptumRxMember_019e2714-865e-784b-b3df-d9f946080522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019e2714-865e-7a05-97ee-01deca4060ea" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:to="loc_srt_ProductOrServiceAxis_019e2714-865e-7a05-97ee-01deca4060ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e2714-865e-72bc-8005-05a23be097f9" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_019e2714-865e-7a05-97ee-01deca4060ea" xlink:to="loc_srt_ProductsAndServicesDomain_019e2714-865e-72bc-8005-05a23be097f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProductMember_019e2714-865e-7875-8dc7-90b6c1364a42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProductMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019e2714-865e-72bc-8005-05a23be097f9" xlink:to="loc_us-gaap_ProductMember_019e2714-865e-7875-8dc7-90b6c1364a42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServiceMember_019e2714-865e-7ba3-8c10-291e8f673ebd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServiceMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_019e2714-865e-72bc-8005-05a23be097f9" xlink:to="loc_us-gaap_ServiceMember_019e2714-865e-7ba3-8c10-291e8f673ebd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019e2714-865e-7efe-9f83-e590458b4e76" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_019e2714-865e-74aa-a816-a4846bcf8c9e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_PremiumsEarnedNet_019e2714-865e-74aa-a816-a4846bcf8c9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e2714-865e-7775-887a-3ba27c9e8e84" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e2714-865e-7775-887a-3ba27c9e8e84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterestAndDividend_019e2714-865e-7814-87f4-1307a4acc278" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentIncomeInterestAndDividend"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_InvestmentIncomeInterestAndDividend_019e2714-865e-7814-87f4-1307a4acc278" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e2714-865e-7fda-9704-a6683696af7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_Revenues_019e2714-865e-7fda-9704-a6683696af7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostsAndExpenses_019e2714-865e-7cf4-b0a4-9e4dad3798a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CostsAndExpenses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_CostsAndExpenses_019e2714-865e-7cf4-b0a4-9e4dad3798a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_019e2714-865e-7262-9814-056280456072" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_OperatingIncomeLoss_019e2714-865e-7262-9814-056280456072" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_019e2714-865e-7347-8dd6-3180cc952ee7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_InterestExpense_019e2714-865e-7347-8dd6-3180cc952ee7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale_019e2714-865e-7c85-9d62-63b556b681cd" xlink:href="unh-20260630.xsd#unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_unh_LossOnSaleOfSubsidiaryAndSubsidiariesHeldForSale_019e2714-865e-7c85-9d62-63b556b681cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e2714-865e-7eb7-8c0c-655b3c8ac0a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e2714-865e-7eb7-8c0c-655b3c8ac0a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e2714-865e-72f6-b72c-01a5676c4a5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_Assets_019e2714-865e-72f6-b72c-01a5676c4a5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentExpenditureAdditionToLongLivedAssets_019e2714-865e-7a2d-b75b-c88892185eed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentExpenditureAdditionToLongLivedAssets"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_SegmentExpenditureAdditionToLongLivedAssets_019e2714-865e-7a2d-b75b-c88892185eed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_019e2714-865e-7589-a354-44190e617260" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019e2714-865e-792c-9a0b-39be9900b0fd" xlink:to="loc_us-gaap_DepreciationAndAmortization_019e2714-865e-7589-a354-44190e617260" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="loc_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsInSummryCompstnTblForAplblYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:to="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrExpirationDate"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrExpirationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
