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  <xs:element id="unh_FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis" abstract="false" name="FairValueAdjustmentsForNonfinancialAssetsAndLiabilitiesMeasuredAtFairValueOrFinancialAssetsandLiabilitiesNonRecurringBasis" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale" abstract="false" name="IncreaseInMedicalCostsPayableIncludedWithinBusinessesHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_A4.400NotesDueJune2028Member" abstract="true" name="A4.400NotesDueJune2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_A4.650NotesDueJanuary2031Member" abstract="true" name="A4.650NotesDueJanuary2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_A5.300NotesDueJune2035Member" abstract="true" name="A5.300NotesDueJune2035Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_A5.950NotesDueJune2055Member" abstract="true" name="A5.950NotesDueJune2055Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell" abstract="false" name="RemeasurementOfAssetsOfBusinessesHeldForSaleToFairValueLessCostToSell" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_DisposalGroupMedicalCostsPayable" abstract="false" name="DisposalGroupMedicalCostsPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale" abstract="false" name="ForeignCurrencyLossesIncludedInCalculationOfRemeasurementLossOnDisposalGroupsHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationsNoncontrollingInterestImpactUponRemeasurementLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="unh_OptumHealthMember" abstract="true" name="OptumHealthMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_OptumInsightMember" abstract="true" name="OptumInsightMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_OptumRxMember" abstract="true" name="OptumRxMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_ExternalCustomersMember" abstract="true" name="ExternalCustomersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_IntersegmentMember" abstract="true" name="IntersegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_UnitedhealthcareMember" abstract="true" name="UnitedhealthcareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="unh_TotalOptumMember" abstract="true" name="TotalOptumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
