In the derivatives market, call option volumes on UHG stock price contracts have surged, indicating speculative bullish interest. Pricing models reflect implied volatility of just 12%, relatively calm for current market conditions. We are going to use a two-stage DCF model, which, as the name states, takes into account two stages of growth. The first stage is generally a higher growth period which levels off heading towards the terminal value, captured in the second 'steady growth' period. To start off with, we need to estimate the next ten years of cash flows. Seeing as no analyst estimates of free cash flow are available to us, we have extrapolate the previous free cash flow (FCF) from the company's last reported value. We assume companies with shrinking free cash flow will slow their rate of shrinkage, and that companies with growing free cash flow will see their growth rate slow, over this period. We do this to reflect that growth tends to slow more in the early years than it does in later years. Anyone working in Congress must file a Periodic Transaction Report to inform the public of their recent transaction within 30 days of being notified of the transaction and within 45 days of the transaction date. Analysts caution that while the UHG stock price trend appears positive, monitoring policy changes in Medicaid and Medicare reimbursement is vital. These could influence margins and growth rates in the medium term.