New York, January 15, 2026, 12:01 EST — Regular session
- UnitedHealth shares ended roughly 0.7% higher, after swinging from a 2% decline to modest gains earlier.
- UnitedHealthcare kicked off a six-month pilot program aiming to accelerate Medicare Advantage payments for certain rural hospitals
- Investors are eyeing the company’s Jan. 27 earnings report and 2026 outlook
UnitedHealth Group Incorporated shares rebounded from an early dip, climbing roughly 0.7% to $337.27 by late morning Thursday. The stock had fallen to an intraday low of $328.14 before bouncing back.
The rebound came after UnitedHealthcare announced it is trialing quicker payment schedules for rural hospitals— a modest shift, but one that hits a sensitive nerve in the business.
Medicare Advantage, the privately managed alternative to traditional Medicare, has long been a major profit driver for big insurers. Now, it’s also under the microscope politically and regulatorily, as the government pushes to cut costs and providers raise concerns about cash flow.
UnitedHealthcare announced on Wednesday the launch of a six-month Rural Payment Acceleration Pilot targeting Medicare Advantage payments in Oklahoma, Idaho, Minnesota, and Missouri. The goal: slash average payment times to under 15 days, down from just under 30. Bobby Hunter, CEO of UnitedHealthcare Government Programs, said, “By speeding up payments to these critical facilities, we’re helping providers focus on what matters most: patient care.” 1
The insurer said it selected independent rural hospitals based on criteria designed to identify those most in need, and it intends to use the findings to determine if the strategy can be broadened.
Rural providers are sounding alarms as federal budget tweaks threaten to tighten their already fragile finances. Hospitals in these areas warn that healthcare cuts in President Donald Trump’s tax-cut and spending plan could force service reductions or even closures. At the same time, a senior White House aide confirmed states would get between $147 million and $281 million in 2026 through a new rural health transformation program backed by $50 billion spread over five fiscal years. 2
UnitedHealth’s shares climbed despite healthcare stocks trailing the wider market. The S&P 500 ETF gained roughly 0.7%, while the Health Care Select Sector SPDR ETF slipped about 0.9%. Meanwhile, managed-care rivals Humana, Elevance, and Cigna also saw their shares rise.
For some investors, how fast payments come through acts as a pressure release in insurer-provider dynamics. This is particularly true in smaller markets, where delays in reimbursements hit harder than in major urban systems with larger financial cushions.
But the pilot barely touches on a bigger concern in Medicare Advantage: insurers getting paid more for sicker patients through “risk adjustment,” a system that often faces scrutiny when diagnoses are challenged. On Jan. 12, a U.S. Senate committee released a report accusing UnitedHealth of using aggressive tactics to secure diagnoses that increase Medicare payments—claims the company denies. 3
UnitedHealth is set to report full-year 2025 results and roll out its 2026 financial outlook on Tuesday, January 27, ahead of the market open. The company has scheduled a conference call for 8:00 a.m. ET. 4
