Full-Time

Product Manager

Product Management, Data Science/Machine Learning/Cloud

Updated on 8/4/2026

UnitedHealth Group

UnitedHealth Group

10,001+ employees

Diversified insurer and health services platform

No salary listed

Gurugram, Haryana, India + 3 more

More locations: Pune, Maharashtra, India | Chennai, Tamil Nadu, India | Noida, Uttar Pradesh, India

In Person

Bachelor's

Category
AI & Machine Learning (1)
Product (1)
Data & Analytics (1)
Required Skills
Microsoft Azure
Agile
Data Visualization
Data Science
Product Management
SQL
Machine Learning
AWS
SCRUM
Data Analysis
Google Cloud Platform

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Requirements
  • A bachelor's degree or equivalent experience, such as 7+ years of experience in product management, product analysis, or a related technology field in lieu of a degree.
  • At least 6 years of experience in product management, product analysis, or product ownership within a software development, technology, or healthcare organization.
  • At least 4 years of experience defining product roadmaps, creating user stories, and managing product backlogs through the end-to-end product lifecycle.
  • At least 2 years of experience working with cloud-based platforms such as Azure, Amazon Web Services, or Google Cloud Platform, or with cloud-native software products.
  • At least 1 year of experience collaborating with data science, analytics, or artificial intelligence and machine learning teams to deliver technology solutions.
Responsibilities
  • Support and manage the end-to-end product lifecycle for healthcare-focused data science, cloud, and analytical product initiatives.
  • Collaborate with engineering, architecture, and business leaders to define product strategy and maintain a detailed, forward-looking product roadmap.
  • Define, groom, and prioritize the product backlog as a Product Owner or Analyst, ensuring alignment with overall business objectives.
  • Translate complex business and healthcare operations needs into detailed technical requirements, user stories, and clear acceptance criteria.
  • Evaluate emerging trends, industry standards, and innovative technologies to inform solution design and strategic product innovation.
  • Design, develop, and deploy artificial-intelligence-powered solutions to address complex business challenges with emphasis on responsible use of artificial intelligence.
  • Use enterprise-approved artificial intelligence tools to streamline product management workflows, automate tasks, and drive continuous improvement.
  • Collaborate with cross-functional partners to execute product launches, support user adoption, and measure product performance.
  • Comply with the employment contract, company policies and procedures, and company directives, including possible transfers or reassignments to different work locations, team or work-shift changes, and alternative work arrangements.
Desired Qualifications
  • A full-time graduation or specific degree in Computer Science, Information Technology, Healthcare Administration, Business, or a related technical field.
  • Experience working in a healthcare product organization, payer, provider, or health-technology company.
  • Experience using advanced data analytics, SQL, or visualization tools to drive data-informed product decisions.
  • A solid understanding of Agile and Scrum methodologies, with experience working as a Product Owner and holding a Certified Scrum Product Owner or similar certification.
  • Demonstrated ability to design, build, or deploy artificial-intelligence-powered features, solutions, or platform automations.
  • Excellent communication and collaboration skills, including the ability to bridge technical teams and business stakeholders.

UnitedHealth Group combines two platforms, UnitedHealthcare and Optum, to provide health insurance and health services. UnitedHealthcare offers medical, dental, and vision plans for individuals, employers, and government programs, including Medicare and Medicaid. Optum uses data, technology, and analytics to deliver pharmacy care, care management, and consulting to providers, payers, and government entities. The company earns revenue from insurance premiums and service fees, and aims to help people live healthier lives by expanding access to affordable, high-quality care and improving health outcomes through data-driven solutions.

Company Size

10,001+

Company Stage

IPO

Headquarters

Minnetonka, Minnesota

Founded

1980

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Simplify Jobs

Simplify's Take

What believers are saying

  • July 16, 2026 adjusted EPS hit $6.38, and full-year guidance rose to $19.50-$20.00.
  • UnitedHealthcare's medical care ratio fell to 86.7%, driving a 55% operating profit jump.
  • United Health Foundation's 2026 $20 million Communities of Health push expands local care networks.

What critics are saying

  • March 9, 2026 Minnesota discovery order expands nH Predict litigation and exposes internal documents.
  • July 2026 Senate probes target UnitedHealthcare AI prior authorization denials and Medicare Advantage practices.
  • Membership losses of 525,000 in Q2 2026 signal affordability pressure and weaker 2027 pricing leverage.

What makes UnitedHealth Group unique

  • UnitedHealth spans UnitedHealthcare, Optum, and Optum Rx, combining premiums, care delivery, and pharmacy.
  • July 16, 2026 results showed 48.5 million members and $112.0 billion quarterly revenue.
  • Optum's July 13, 2026 Anthropic partnership and Alegeus acquisition deepen its data advantage.

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Benefits

Flexible Work Hours

Growth & Insights and Company News

Headcount

6 month growth

-5%

1 year growth

-5%

2 year growth

-5%
HealthTech HotSpot
Jul 29th, 2026
UnitedHealth Group partners with UT Health Sciences to expand health hubs to more communities across Tennessee.

UnitedHealth Group partners with UT Health Sciences to expand health hubs to more communities across Tennessee. New support from the United Health Foundation will expand proven models that improve preventive care, chronic condition support and rural health workforce pathways across the state, part of a UnitedHealth Group effort to build healthier communities across the US -(BUSINESS WIRE)-UnitedHealth Group today announced new support to expand the University of Tennessee Health Sciences' health hub model statewide, helping more Tennesseans access preventive care, chronic condition support and local health resources in their communities. The new support includes a $4 million commitment, with funding from the United Health Foundation and technical assistance from UnitedHealth Group, to expand the network from five health hubs to 13 across the state by the end of 2027. This builds on nearly $2 million in support since 2022, underscoring an ongoing commitment to expanding access to care, improving health outcomes and supporting organizations working to meet the unique needs of communities across the state. "This philanthropic investment builds on a strong partnership that is helping us reimagine how care is delivered and accessed across Tennessee," said Dr. Peter Buckley, chancellor of the University of Tennessee Health Sciences. "By expanding our health hub network and strengthening pathways into the health professions, we are bringing preventive care, health education and support services closer to where people live. Together, we are creating a model that improves health today while building a stronger, more sustainable healthcare workforce for the future." The health hub expansion is part of Communities of Health, an initiative launched by UnitedHealth Group to support community-based models in areas such as rural health, maternal and child health and preventive care. Communities of Health began through UnitedHealth Group efforts to expand doula care in Spartanburg, South Carolina, and to develop food-as-medicine initiatives in St. Paul, Minnesota. "Every community deserves the opportunity to thrive," said Danielle Gray, executive vice president of UnitedHealth Group and chair of the United Health Foundation. "Creating a healthier Tennessee takes sustained collaboration and investment in community-led solutions that improve access to care, address local health challenges and help more people live healthier lives. We're proud to support this work to reach more communities across Tennessee and to further expand these kinds of models in communities across the country." Communities of Health is another way UnitedHealth Group is helping make healthcare work better by supporting local solutions that reflect each community's needs. Through an initial $20 million commitment by the United Health Foundation in 2026, the program will expand across the country. Scaling success in Tennessee UnitedHealth Group has worked with the University of Tennessee Health Sciences and Shelby County since 2022 to develop health hubs, which help Tennessee residents prevent and manage chronic conditions such as high blood pressure and diabetes. Health hubs offer screenings, health coaches, safe exercise groups, healthy cooking classes and care in easy-to-access community locations. After successful pilots in Memphis and Shelby County, UT Health Sciences established rural health hubs at UT Extension Centers in Hardin and Decatur counties. Since 2022, health hubs have served more than 4,000 people through more than 20,000 visits. More than half of participants lowered their blood pressure, helping reduce their risk for serious health complications. New funding and technical assistance will focus on two goals: * Strengthening and expanding the Tennessee health hub model: Technical assistance will help health hubs generate sustainable funding, strengthen integration and improve data sharing. New funding will help expand this model into rural counties across West, Middle and East Tennessee, building toward a statewide network of 13 locations by the end of 2027, which will reach 200,000 residents. * Expanding the rural community health workforce: UnitedHealth Group will work with the UT Health Sciences College of Nursing and the UT Health Sciences College of Medicine to advance career pathways in rural areas, including rural-focused physician assistant, rural-focused nurse practitioner/midwife and health coach/doula dual certification. By expanding this proven model and strengthening the rural health workforce, UnitedHealth Group is helping ensure that long-term health is attainable for all community members, regardless of geography. "UnitedHealth Group has helped us strengthen our neighborhood health hub model so that more people can get access to the most essential preventive and primary care services," said Dr. Jim Bailey, director of the Tennessee Population Health Consortium at UT Health Sciences. "Every person needs a neighborhood health hub close to home if we want to be a healthier city, state and country. Everyone deserves access to the most essential primary and preventive care." "The innovation in Tennessee's health hubs is about human connection - building trust, understanding individual and community needs, and bringing care and compassion that actually improves health," said Catherine Anderson, senior vice president for health optimization at UnitedHealth Group. "The health hubs reinforce that healthcare works best when people connect directly with one another and trust the care they receive, shifting focus from treating illness to a proactive culture of preventive well-being across a community." About The University of Tennessee Health Sciences The mission of the University of Tennessee Health Sciences is transforming lives through collaborative and inclusive education, research, scholarship, clinical care, and public service. With six colleges - Dentistry, Graduate Health Sciences, Health Professions, Medicine, Nursing, and Pharmacy - at its main campus in Memphis, in addition to educational and clinical campuses at major hospitals in Memphis, Knoxville, Chattanooga, and Nashville, and sites across the state, UT Health Sciences strives to fulfill its vision: Healthy Tennesseans. Thriving Communities. For more information, visit www.uthsc.edu. You can find the University of Tennessee Health Sciences on Facebook, Instagram, LinkedIn, X, and YouTube. About UnitedHealth Group UnitedHealth Group (NYSE: UNH) is a healthcare and well-being company with a mission to help people live healthier lives and help make the health system work better for everyone through two distinct and complementary businesses. Optum delivers care aided by technology and data, empowering people, partners and providers with the guidance and tools they need to achieve better health. UnitedHealthcare offers a full range of health benefits, enabling affordable coverage, simplifying the healthcare experience and delivering access to high-quality care. Visit UnitedHealth Group at www.unitedhealthgroup.com and follow UnitedHealth Group on LinkedIn.

Insider Monkey
Jul 27th, 2026
UnitedHealth Group Incorporated (UNH) and Intuitive Surgical, Inc. (ISRG) just showed why beating estimates isn't enough.

UnitedHealth Group Incorporated (UNH) and Intuitive Surgical, Inc. (ISRG) just showed why beating estimates isn't enough. Published on July 27, 2026 at 3:31 pm by fatima gulzar in hedge funds, news. Two big healthcare companies, UnitedHealth Group Incorporated (NYSE:UNH) and Intuitive Surgical, Inc. (NASDAQ:ISRG) reported earnings the same week in July. Both beat what Wall Street expected. One stock jumped as much as 8%. The other fell as much as 13%. The difference between them shows what actually moves a healthcare stock right now. UnitedHealth Group Incorporated (NYSE:UNH) $417.28-0.09%: the turnaround is showing up in the numbers. UnitedHealth Group Incorporated (NYSE:UNH) blew past expectations. Adjusted earnings hit $6.38 a share versus the $4.90 expected, and revenue rose to $112 billion, also beating estimates. The company raised its full-year profit forecast to $19.50-$20 a share, up from "more than $18.25," a bigger raise than Wall Street hoped for. The stock climbed as much as 8% on the news. The main number was the medical cost ratio, which measures how much of collected premiums gets spent on care. It came in at 86.7%, better than the roughly 88.5% expected and improved from 89.4% a year ago. CFO Wayne DeVeydt said the gain came from plan-design changes, higher premiums, and tighter cost management, not from healthcare costs actually falling: "These results are not a reflection of trend bending or coming under control, but rather our efforts to start pushing down what is already an elevated number." UnitedHealth is also spending about $1.5 billion this year on AI to speed up approvals and catch billing errors and recently partnered with Anthropic, per the Wall Street Journal. Its Optum health unit swung from a 15% income decline last quarter to 29% growth this quarter. Not everything was positive. UnitedHealth lost 525,000 members from the previous quarter and expects to lose roughly 1.6 million more by year-end, mostly as rising costs push people out of coverage. DeVeydt called that trend "not a good thing for the system long term," even as higher prices on remaining customers offset the lost revenue for now. Intuitive Surgical, Inc. (NASDAQ:ISRG) $370.73 +3.90%: A beat that wasn't enough. Intuitive Surgical, Inc. (NASDAQ:ISRG), maker of the da Vinci surgical robot, also beat estimates. Revenue rose 19% to $2.89 billion, above the $2.82 billion expected, and adjusted profit hit $2.80 a share versus $2.50 expected. None of it mattered. The stock had climbed as much as 4.2% earlier in the day, then fell as much as 13% after the earnings call and stayed there into the next session, touching its lowest price in over two years. As of July 23, it's down over 40% for the year against an 8% gain for the S&P 500. The issue was guidance, not the quarter itself. Intuitive kept its full-year forecast range unchanged at 13.5%-15.5% procedure growth but said it now expects to land near the middle of that range rather than higher in it as previously implied, a real softening even though the range itself didn't move. Worldwide procedure growth was nearly 15% for the quarter, down from 16% in Q1. In the U.S. specifically, it slowed more sharply, to 12% from 14%, the slowest U.S. pace in three years. CEO David Rosa said insurance and subsidy changes are pushing some patients to delay treatment, and GLP-1 weight-loss drugs are cutting into bariatric surgery volume, which fell by high single digits. Not everyone buys the concern. Abbott had dismissed the same ACA-subsidy worry as a "flawed assumption" the day before and raised its own forecast. Evercore's Vijay Kumar said the softness "rekindles the debate," while Leerink's Mike Kratky called the selloff "increasingly overblown." At least a dozen brokerages cut price targets anyway. Adding pressure, Johnson & Johnson just won approval for its own soft-tissue surgical robot, a new competitor in a market Intuitive has dominated for two decades. Same week, same sector but opposite signals. If both companies beat estimates, why did one stock soar and the other plummet? Because beating last quarter matters less than what a company says comes next. UnitedHealth Group Incorporated (NYSE:UNH) raised its forecast by a wide margin, signaling its cost improvements are durable. Intuitive Surgical, Inc. (NASDAQ:ISRG) beat too but pointed to a weaker spot inside an unchanged range and confirmed that two real headwinds, i.e., insurance-driven delays in care and GLP-1 drugs cutting into bariatric surgery, were already showing up in its Q2 numbers and not just future risks. Investors reward confidence about the future far more than a solid quarter that's already over. Insider Monkey's hedge fund data. Insider Monkey's hedge fund database shows both stocks losing support before either report came out. UnitedHealth Group Incorporated (NYSE:UNH) was held by 130 funds at the end of Q1 2026, down from 145, with dollar value held falling from $14.8 billion to $9.9 billion. Intuitive Surgical, Inc. (NASDAQ:ISRG) saw a similar pullback, 103 funds versus 109, with value held dropping from $9.2 billion to $8.2 billion. Both stocks were already losing hedge fund conviction before this earnings news, a sign the broader healthcare sector has been out of favor, not just these two names. Conclusion. Same industry, same week, opposite reactions, and the lesson repeats across earnings season: a beat only matters with a reason to believe it continues. UnitedHealth Group Incorporated (NYSE:UNH) earned that belief with a guidance raise backed by real cost improvements. Intuitive Surgical, Inc. (NASDAQ:ISRG) lost investors by confirming two genuine headwinds, insurance changes and GLP-1 drugs, are already hitting its numbers before J&J's new competition even enters the picture. While we acknowledge the risk and potential of UNH as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and doing so within a shorter time frame. If you are looking for an AI stock that is more promising than UNH and that has 10,000% upside potential, check out our report about this cheapest AI stock.

DistilInfo
Jul 21st, 2026
10 UnitedHealth Group updates since July.

10 UnitedHealth Group updates since July. Table of contents. From posting nearly $5.5 billion in profit for the second quarter, to its Optum arm striking a partnership with Anthropic, here are 10 UnitedHealth Group updates on the company and its subsidiaries that Becker's has reported since July 2. Financial and enrollment-related UnitedHealth Group updates. UnitedHealth Group still expects a Medicare Advantage enrollment loss for 2026, but the company lowered its projection on a July 16 earnings call. UnitedHealth Group also posted nearly $5.5 billion in profit for the second quarter of 2026, up sharply from the same period last year, a strong result that came alongside the company's improved enrollment outlook. Medicare Advantage bonus payments. UnitedHealth Group received the largest total Medicare Advantage bonus payments in 2026, pulling in $3.9 billion as total program spending reached $13.4 billion across all MA plans, according to a KFF analysis, underscoring the company's continued scale within the Medicare Advantage market. Leadership and partnership UnitedHealth Group updates. Shobhit Varshney was named chief AI officer at Optum. He joins from Citi, where he was global head of AI from August 2025 to July 2026, adding a senior AI leadership hire to the company's growing technology roster. The optum-anthropic partnership. Optum, part of UnitedHealth Group, is partnering with Anthropic "to responsibly bring AI to healthcare to help people live healthier lives, reduce the administrative burden, and make the health system work better for everyone," Optum confirmed July 13. This partnership adds Anthropic to a growing list of AI companies UnitedHealth is engaging as it continues its broader technology investment strategy. Regulatory and legal UnitedHealth Group updates. Dan Kueter, CEO of UnitedHealthcare's employer and individual business, said the No Surprises Act's independent dispute resolution process is "being exploited by select providers and select geographies," adding about 50 basis points of incremental cost trend in 2026 and now accounting for at least 100 basis points of total commercial cost at the company. Senate scrutiny over ai-driven coverage decisions. Two senators are demanding records from the three largest Medicare Advantage insurers, including UnitedHealthcare, over their use of AI and prior authorization to deny post-acute care to seniors, adding to a growing list of federal inquiries examining how the company's technology influences coverage determinations. Reputation and compliance UnitedHealth Group updates. UnitedHealth Group was among 83 healthcare organizations named to Time's list of "America's Best Companies of 2026," a recognition that stands in contrast to the ongoing regulatory scrutiny the company continues to face on other fronts. A self-commissioned audit of HouseCalls diagnoses. Nearly 97% of UnitedHealth's in-home Medicare Advantage diagnoses were supported by a patient's medical record in 2025, according to a review commissioned by the company, part of its ongoing effort to defend its HouseCalls program amid years of scrutiny over Medicare Advantage upcoding allegations. Business development UnitedHealth Group updates. Optum Financial closed its acquisition of Alegeus Technologies, a platform offering benefits administration for consumer-directed healthcare accounts, expanding the company's presence in the healthcare financial services space. A snapshot of a complex quarter. Taken together, these 10 UnitedHealth Group updates paint a picture of a company simultaneously posting strong financial results, expanding its AI capabilities through new leadership and partnerships, and navigating sustained regulatory and legislative scrutiny over how AI and utilization management practices affect Medicare Advantage beneficiaries. What this means going forward. With Senate inquiries, No Surprises Act arbitration reform pressure, and its own self-commissioned audits all unfolding simultaneously with strong earnings and new technology partnerships, UnitedHealth Group's next several quarters are likely to continue testing how the company balances growth and innovation against mounting regulatory attention. These UnitedHealth Group updates collectively suggest that AI, whether in clinical documentation, coverage decisions, or drug discovery, will remain a defining theme in how the company's story develops through the rest of 2026.

The Market Context
Jul 17th, 2026
UnitedHealth Q2 profit jumps 55%, lifts full-year outlook.

UnitedHealth Q2 profit jumps 55%, lifts full-year outlook. UnitedHealth reported second-quarter earnings from operations of $8.0 billion, up 55% from a year earlier on better margins, and raised its full-year adjusted profit forecast to $19.50 to $20.00 a share, according to its latest Form 8-K filing with the SEC. The Market Context in 60 Seconds * 01 UnitedHealth (unitedhealthgroup.com), the largest health insurer in the United States and the parent of the Optum health-services business, reported second-quarter 2026 earnings from operations of $8.0 billion, up 55% from a year earlier, and raised its full-year outlook, as chief executive Stephen Hemsley pointed to tighter cost and pricing discipline. * 02 The gain came almost entirely from margins, not growth: revenue was roughly flat at $112.0 billion, while the medical care ratio, the share of premiums spent on care, fell to 86.7% from 89.4% a year earlier. * 03 Adjusted earnings were $6.38 a share, up from $4.08, and the company raised its full-year adjusted forecast to a range of $19.50 to $20.00 a share, from about $17.75 set in January. * 04 The recovery came as membership shrank: UnitedHealthcare served 48.5 million people, down 525,000 from the prior quarter, and Medicare Advantage enrollment has fallen by 965,000 since the end of 2025. * 05 The question for the rest of 2026 is whether the margin recovery holds once a favorable $860 million reserve adjustment and other one-time items fade, and whether membership steadies. What UnitedHealth reported. UnitedHealth Group is the largest health insurer in the United States and, through its Optum arm, one of the country's biggest providers of health services and pharmacy benefits, ahead of rivals such as Elevance Health and CVS Health. For the quarter that ended June 30, 2026, it reported revenue of $112.0 billion, roughly flat from a year earlier, but earnings from operations of $8.0 billion, up 55%. Net earnings attributable to shareholders were $5.5 billion, or $6.04 for each diluted share, and adjusted earnings were $6.38 a share. On the strength of the quarter, the company raised its guidance for the full year. UnitedHealth Group, second quarter 2026 Total revenue Roughly flat vs $111.6B a year earlier Earnings from operations Up 55% from $5.2B a year earlier Adjusted EPS Up from $4.08 a year earlier Medical care ratio Down from 89.4%, the profit driver $19.50-20.00 Raised 2026 EPS outlook Up from about $17.75 in January Stock repurchased Through mid-July, $5B+ planned for 2026 The results matter because UnitedHealth spent the past year under unusual pressure, from a cyberattack at its Change Healthcare unit to federal scrutiny of its Medicare business and new leadership under chief executive Stephen Hemsley. A quarter of sharply higher profit and raised guidance is the clearest sign yet that the company is steadying itself. A margin story, not a growth story. The quarter's improvement came from cost control, not from selling more coverage. Revenue was essentially unchanged at $112.0 billion. What moved was the medical care ratio, the share of premium income paid back out as medical costs, which fell to 86.7% from 89.4% a year earlier. Because an insurer collects premiums up front and pays claims over time, a lower ratio flows almost directly to profit. UnitedHealth said the improvement reflected benefit design changes, better medical management, and more disciplined pricing, and was helped by $860 million of favorable development on prior claims. Membership, meanwhile, shrank. UnitedHealthcare served 48.5 million people, down 525,000 from the first quarter, and Medicare Advantage enrollment has fallen by 965,000 since the end of 2025 as the company stepped back from less profitable plans. Higher guidance and a push to rebuild trust. On the strength of the quarter, UnitedHealth raised its full-year 2026 adjusted earnings forecast to a range of $19.50 to $20.00 a share, up from the roughly $17.75 it guided to in January, and lifted its full-year cash flow outlook to about $24 billion. It repurchased $4.0 billion of stock through mid-July and expects to buy back at least $5.0 billion for the year. Alongside the numbers, the company detailed steps aimed at repairing its standing with patients and regulators: removing 30% of prior approval requirements by the end of 2026, voluntarily returning profits from its individual Affordable Care Act plans to about one million members, and committing $1 billion to its charitable foundation. Optum, its health-services arm, reported revenue of $65.7 billion and operating earnings of $4.0 billion. What to watch. 1. Whether the margin recovery holds. The medical care ratio of 86.7% was helped by $860 million of favorable reserve development that may not repeat. UnitedHealth guided to a full-year ratio of 88.1%, which implies higher medical costs in the second half. The next two quarters will show whether the improvement was durable or partly timing. 2. Whether membership stabilizes. The company is earning more from fewer members, having shed 525,000 in the quarter and 965,000 from Medicare Advantage since the end of 2025. Margins cannot rise forever without growth, so investors will watch whether enrollment steadies once the planned plan exits are complete. 3. How the reforms affect costs. UnitedHealth is cutting prior approvals, rebating Affordable Care Act profits, and adding transparency to its pharmacy business. These moves may rebuild trust, but they also touch the levers that drive profit. The coming quarters will show whether the company can repair its reputation without giving back the margin gains it just reported. Verified as of July 17, 2026.

Yahoo Finance
Jul 16th, 2026
UnitedHealth surges on strong earnings as chip stocks slide, TSMC down 5% despite solid results

Stock futures are mixed on Thursday as investors assess fresh earnings reports. S&P 500 and Nasdaq futures fell 0.2% and 0.8% respectively, pressured by declining chip stocks, whilst Dow futures rose 0.2%. Chip stocks continued their volatile week, with Nvidia and Broadcom down about 2% premarket, Intel falling 3%, and Micron tumbling 5%. The iShares Semiconductor ETF dropped nearly 4% before the opening bell. Taiwan Semiconductor's US-listed shares sank 5% despite reporting second-quarter earnings of 85 cents per share, exceeding analyst forecasts, with sales up 36% year-over-year. Investors appeared disappointed after several strong consecutive quarters. UnitedHealth shares surged after the insurer reported strong earnings and raised its profit forecast. Netflix is scheduled to report results after the closing bell. WTI crude held steady near $80 per barrel, whilst bitcoin fell slightly to $64,000.