Key Takeaways UnitedHealth benefits from unmatched scale and diversification across insurance and healthcare services.UNH's Optum growth and strong cash help offset margin pressure from higher utilization.Molina's Medicaid-heavy focus makes it more vulnerable to reimbursement changes and cost spikes.UnitedHealth Group Incorporated (UNH) and Molina Healthcare, Inc. (MOH) operate within the same highly regulated U.S. health insurance landscape, yet their business models, scale and exposure to policy risk diff ...