The counterparty credit rating on UnitedHealth Group Inc. (UHG) is largely based on its strong and well diversified business position, very strong operating performance, appropriate financial leverage and liquidity, and good capital position at the regulatory level. Strong business position. UHG is one of the largest health care organizations in the U.S., providing health care services and benefits to about 15 million lives as of year-end 2000 (excluding both individuals served through UnitedHealthcare platforms in Puerto Rico and the U.S. Pacific coast region, from which the company has transitioned, and members served under the American Association of Retired Persons (AARP) Medicare Supplement plan). This represents an increase of about 1.2 million enrollees from year-end 1999. Well diversified and differentiated positioning.