| http://www.w3.org/ns/prov#value | - The firm said while United is the best positioned health insurer for the long-term with the strongest set of assets it is hard for us to ignore the fact that the Health Benefits segment will generate ~80% of United's overall earnings in 2013 and that this segment enters the year with MLRs in both Commercial and Medicare that are likely unsustainably low for the long-term.
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