FILE - This Oct. 16, 2012, file photo, shows a portion of the UnitedHealth Group Inc.'s campus in Minnetonka, Minn. UnitedHealth has debuted a lower-than-expected 2021 earnings forecast partly because of COVID-19’s still-foggy impact on the health care system. The nation’s largest health insurance provider said Tuesday, Dec. 1, 2020, that it expects to take a hit from treatment and testing costs tied to the ongoing pandemic. (AP Photo/Jim Mone, File)
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