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UnitedHealthcare scores 56 out of 100 on the Agent Readiness Index
UnitedHealthcare reaches level 0, Closed. Discoverability is the strongest area at 89 out of 100. Protocol access is the weakest at 0.
UnitedHealthcare was scanned on October 15, 2026. Its score is 56 out of 100, level 0, Closed. Declared agents are blocked from the public website. To reach level 1, Tolerated: The home page must load for a declared agent and robots.txt must not block every agent.
Website: unitedhealthcare.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 89 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 0 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 80 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 64 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | Not measured yet | Do your terms allow agents that act for customers? |
What is holding UnitedHealthcare back
- MCP server, 8 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
- Developer and data sharing program, 4 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.
- Documented delegate and data sharing controls, 4 points lost. No public page on delegate access or connected app controls was found. Fix: Publish a help page on delegate access and add a connected apps screen where customers revoke access.
- Public API documentation, 3 points lost. No public API documentation was found. Fix: Publish an OpenAPI document for customer facing APIs on a developer portal.
What already works
- OAuth and OpenID metadata
- Passkeys at sign in
- Sign in form structure and autofill hints
How UnitedHealthcare compares
The average score for insurance is 43.8 out of 100 across 56 organizations. The average across all 1,420 scored organizations is 42.2 out of 100.
Similar organizations
- Unum, 58 out of 100
- Progressive, 57 out of 100
- Sentry Insurance, 57 out of 100
- American Family Insurance, 55 out of 100
- State Farm, 55 out of 100
- Lincoln Financial, 54 out of 100