** Shares of health insurer UnitedHealth UNH.N fall 12% to $309.30 premarket
** Company says it sees 2026 adj. profit per share greater than $17.75 vs analysts' average estimate of $17.74 — data compiled by LSEG
** CMS on Monday said Medicare Advantage payment rates will rise by just 0.09% in 2027, while analysts had been expecting an increase of as much as 6%
** UNH reports Q4 adj. profit of $2.11/shr vs estimate of $2.10/shr
** Company says medical care ratio rose to 88.9% from 85.5% due to lower Medicare funding and higher care use
** Peers Humana HUM.N down 15%, while CVS Health CVS.N down 12% before the bell
** UNH shares down ~35% in 2025
(Reporting by Sahil Pandey in Bengaluru)
((Sahil.Pandey@thomsonreuters.com))