UnitedHealth-owned pharmacy benefit manager

Optum Rx

Industry Health

A UnitedHealth/Optum pharmacy benefit manager administering prescription benefits, formularies, specialty pharmacy, and pharmacy-care services. Optum Rx scores very low because PBM vertical integration and FTC allegations around insulin rebates place it among the strongest prescription-access gatekeepers.

Why this matters: Optum Rx is not a normal pharmacy choice; it is often assigned through insurance and employer benefit architecture.

Letter grade F Malignant High confidence (AI) Rubric gcd-rubric-v1 Parent / owner: UnitedHealth Group Last reviewed May 12, 2026

Optum Rx is listed separately because PBM control is a distinct prescription-access function.

Final Score -11* F - Malignant

FMALIGNANT-11 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material13

Bonus+0

Cap35Ownership <= 2 and Governance <= 2

After Cap13

Penalties-24

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Owned by UnitedHealth Group

The parent profile is currently rated D (Extractive, 0*). This subsidiary is not mechanically capped at the parent score, but parent control is part of the ownership, governance, policy, accountability opacity, reversibility, and harm analysis.

Evaluation Overview

F - Malignant

The score turns mainly on Scale Integrity, with the largest penalty coming from Human Harm.

Strengths

Scale Integrity5/5
Ownership1/10
Governance1/10

Penalties

Human Harm-8
Policy Capture-7
Subscription Capture-2
Accountability Opacity-2

Evidence state

ConfidenceHigh confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims16
Direct axis claims16
Coverage16/16

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	1 / 10	Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. On Ownership, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	1 / 10	Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. On Governance, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	1 / 10	Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. On Extraction, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	1 / 7	Optum Rx's linked public materials do not show ordinary workers holding full binding democratic control over the institution. Optum Rx's linked public materials do not show ordinary workers holding full binding democratic control over the institution. On Labor Sovereignty, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	1 / 7	Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. On Solidarity with the Unemployed, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	1 / 7	Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. On Loss-Bearing Fidelity, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	1 / 5	Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. On Market Conduct, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Product Integrity ? Preservation of quality rather than degradation for monetization.	1 / 5	Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. On Product Integrity, Optum Rx belongs low because control and surplus are mainly held by shareholders, executives, landlords, investors, or institutional boards while users face practical dependence. In a high-contact category like Health, that asymmetry counts more heavily than it would for an optional purchase. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] context Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	5 / 5	Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. On Scale Integrity, Optum Rx sits in the middle because the structure has real public, nonprofit, or service value, but users still do not hold decisive control over prices, access rules, quality, or institutional priorities. That places it above ordinary shareholder firms but below democratic or member-owned alternatives. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence context Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category. [1] context Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers. [2] context Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery. [3] context Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution. [4] context Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power. [5] context Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise. [6] context Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice. [7] context Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability. [8] Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities. [9]

Penalties

Penalty	Applied	Why this penalty
Human Harm ? Severity, scale, culpability, vulnerable targets, willful reoffense, reputation laundering, pattern escalation, and time decay. Range: -20 to 0.	-8	Optum Rx's public record makes Human Harm relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Human Harm relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Human Harm penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Human Harm relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [10]
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-7	Optum Rx's public record makes Policy Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Policy Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Policy Capture penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Policy Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [11]
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-2	Optum Rx's public record makes Subscription Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Subscription Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Subscription Capture penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Subscription Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [12]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Optum Rx's public record makes Accountability Opacity relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Accountability Opacity relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Accountability Opacity penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Accountability Opacity relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [13]
Identity Capture ? Customer pressure, employee pressure, and pervasive identity saturation. Range: -3 to 0.	-1	Optum Rx's public record makes Identity Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Identity Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Identity Capture penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Identity Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [14]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-2	Optum Rx's public record makes Surveillance Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Surveillance Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Surveillance Capture penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Surveillance Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [15]
Ideological Disavowal ? Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.	-2	Optum Rx's public record makes Ideological Disavowal relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. Optum Rx's public record makes Ideological Disavowal relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. This warrants a Ideological Disavowal penalty because the evidence shows harm or risk tied to the institution's actual role: housing, tax, utility, healthcare, storage, or childcare power over people with limited alternatives. The penalty is calibrated to this entity's severity rather than assigned automatically to the whole category. Calibration notes Comparative anchor: Coverage-gap batch calibrated across tax filing, utilities, housing, storage, healthcare systems, and childcare/youth institutions. Linked evidence Optum Rx's public record makes Ideological Disavowal relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability. [16]

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

High 84/100

16 verified linked claims 16 direct axis claims 0 disputed claims 16/16 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

16 verified linked claims

Source quality 15/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

16 direct claims across 16 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

16/16 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceHigh confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Optum Rx's public record identifies its ownership form, institutional type, or public/private/nonprofit/cooperative structure in the health category.

Ownership Verified High confidence Human-reviewed May 12, 2026

Optum RxGeneral web source · 58%

2Optum Rx's public record indicates whether binding control sits with shareholders, executives, members, public officials, nonprofit boards, residents, patients, or customers.

Governance Verified High confidence Human-reviewed May 12, 2026

Optum RxGeneral web source · 58%

3Optum Rx's model determines whether money flows primarily to investors and owners or back toward users, members, public value, community services, affordability, or mission delivery.

Extraction Verified High confidence Human-reviewed May 12, 2026

Optum RxGeneral web source · 58%

4Optum Rx's public materials do not show ordinary workers holding full binding democratic control over the institution.

Labor Sovereignty Verified Medium confidence Human-reviewed May 12, 2026

Optum RxGeneral web source · 58%

5Optum Rx operates in an everyday-need category where job loss, illness, rent pressure, family-care obligations, tax compliance, utility dependence, or household instability affects bargaining power.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

6Optum Rx's product or service can absorb real household, civic, care, housing, energy, or tax-compliance risk, but the record also shows who bears costs when the institution fails or prices rise.

Loss Bearing Fidelity Verified High confidence Human-reviewed May 12, 2026

Optum RxGeneral web source · 58%

7Optum Rx operates in a market where customers, tenants, patients, taxpayers, utility users, parents, or community members often face switching costs, asymmetric information, or limited choice.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

8Optum Rx's core service has practical everyday utility, but its integrity depends on pricing, safety, transparency, access, quality, data handling, and accountability.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

Optum RxGeneral web source · 58%

9Optum Rx's scale or category makes its decisions consequential for ordinary U.S. households, patients, tenants, parents, taxpayers, utility customers, or communities.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

10Optum Rx's public record makes Human Harm relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Human Harm Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

11Optum Rx's public record makes Policy Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Policy Capture Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

12Optum Rx's public record makes Subscription Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Subscription Capture Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

13Optum Rx's public record makes Accountability Opacity relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

14Optum Rx's public record makes Identity Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Identity Capture Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

15Optum Rx's public record makes Surveillance Capture relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

16Optum Rx's public record makes Ideological Disavowal relevant through its ownership, pricing, safety, lobbying, environmental burden, youth exposure, data practices, lock-in, public mission, or community accountability.

Ideological Disavowal Verified Medium confidence Human-reviewed May 12, 2026

FTC PBM insulin complaintPrimary public record · 100%

Alternatives

Competitors

AGOOD66 Patient Advocate Foundation nonprofit patient case-management and financial-aid resource · same market AGOOD54 Federally Qualified Health Centers publicly supported community health-center system · same market AGOOD53 OpenNotes academic healthcare-transparency initiative · same market AGOOD50 CPESN USA network of independent community pharmacies · same market BQUALIFIED49 Civica Rx nonprofit generic medicine company · same market BQUALIFIED43 Planned Parenthood nonprofit reproductive and sexual healthcare federation · same market CPERFORMATIVE41 En-Vision America / ScriptAbility accessible prescription-labeling company · same market CPERFORMATIVE41 Mark Cuban Cost Plus Drug Company public-benefit online pharmacy · same market

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