UnitedHealth Group is experiencing notable financial difficulties as it reports disappointing earnings for the second quarter. The insurer has reinstated its full-year outlook, but guidance for 2025 indicates that earnings will be worse than previously expected, primarily due to rising medical costs. Stock values have suffered significantly, dropping to a five-year low and reflecting a year-to-date decline of 44%. Furthermore, the company has set new, lower profit targets, leading to a slide in shares following the earnings report. The overall sentiment among investors remains cautious as they seek clarity on future costs and profitability.