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Physical injury

Insurer's algorithm allegedly overrides physicians on post-acute care

Families sued UnitedHealth, alleging its nH Predict algorithm was used to cut off post-acute care for Medicare Advantage patients against their doctors' advice. In February 2025 a Minnesota federal court let breach-of-contract and good-faith claims proceed.

Healthcare 2023-2026 Verified in a source

Insurance products that may respond

Managed-care E&OMedical professional liabilityD&O

Why it matters for insurance

Confirm current procedural status.

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This is an educational research summary built from public information. Allegations in pending cases are unproven, and the insurance notes above are for discussion, not coverage advice. Whether any policy responds depends on its specific wording, exclusions, endorsements, the facts, and applicable law.

Reviewed by Andrei Craciunescu, CA Licensed Insurance Broker #4467994