UnitedHealth Group (UNH)

for Health Savings Account consumers

New York, NY (Nov. 7, 2005) – In an effort designed to enhance the long-term savings potential of Health Savings Accounts (HSA) and expand the purchasing power of health care consumers, Exante Financial Services (Exante) today announced that it will offer new investment options for consumers with HSAs. By assembling a broad selection of investment options, Exante hopes to further empower health care consumers and give them greater control over their health care spending. Exante Bank, which was chartered by UnitedHealth Group in 2002, provides health-related financial services and is one of the only financial institutions with deeply integrated health care expertise.

Beginning January 2006, consumers with an HSA deposit account at Exante Bank will have the opportunity to invest their tax-advantaged HSA assets in a broad array of highly rated, independent investment options. These funds have been selected to support a consumer’s strategy of growth and risk tolerance, consistent with the philosophy of encouraging long-term saving for future health care expenses.

Al Meginniss of Elgin, Ill., a consumer who opened an account with Exante in July, said he’s excited to have such investment options available and hopes to take advantage of them after getting a better sense of how frequently he’s using versus saving his HSA funds. “Rather than have the money sit there, I would love to eventually move a few thousand dollars into an investment of some type,” he said. “Although, thanks to Exante, right now I’m getting a very good return on my money anyway – 4 percent, try to find that somewhere else.”

The new investment options offer account holders a high-quality fund selection with an average Morningstar rating of more than 4.0. Funds include: John Hancock Classic Value (PZFVX); Vanguard Wellington (VWELX); Neuberger Berman Fasciano (NBFSX); Vanguard Global Equity (VHGEX); Vanguard S&P 500 Index (VFINX); Federated US Government (FIGTX); Pimco Real Return Fund (PRTNX); and Federated Master Trust Money Market (FMTXX).

“The addition of these mutual funds will give consumers greater choice and control over how they manage their health care finances and HSA assets,” said Philip J. Philliou, chief product and strategy officer for Exante Financial Services. “As one of the country’s only banks completely dedicated to the

health care industry, our unique expertise in both health care and financial services allows us to offer consumers highly specialized services at a time when individuals are being asked to play a more prominent and active role in their health care.”

Exante’s diverse and independent investment offerings are unique in the industry, since many HSA administrators have elected to align with a single or more focused group of proprietary fund families. Exante will regularly review funds to ensure a high quality selection is available to meet account holder expectations. The investment capability will be a standard feature of the HSA deposit account, with mutual fund investments available to individuals with balances over $1,000.

Individuals will be able to access, monitor and change their investment options with the click of a mouse via online tools that are fully integrated with their HSA. Additionally, account information is available to Exante customers through toll-free customer service, interactive voice response and the Web, so account holders can easily set up contributions to their account, check their current balance and pay their health care bills. Consumers can pay for qualified health services from their HSAs using bank drafts, debit cards, and Web and automatic payment options.

About UnitedHealth Group

UnitedHealth Group (NYSE: UNH) is a diversified health and well-being company dedicated to making health care work better. Headquartered in Minneapolis, Minn., the company offers a broad spectrum of products and services through six operating businesses: UnitedHealthcare, Ovations, AmeriChoice, Uniprise, Specialized Care Services and Ingenix. Through its family of businesses, UnitedHealth Group serves more than 55 million individuals nationwide. UnitedHealth Group ranks No. 40 in the Fortune 500 and was ranked No. 1 in Fortune magazine’s 2005 list of America’s Most Admired Health Care Companies.