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UnitedHealth's medical costs also climbed 8 percent to $18.6 billion compared with the final quarter of 2010, when the insurer said it saw unusually low growth in health care use. Insurers have been helped in recent quarters by health care use that has risen at rates that were slower than expected when they set premiums. Analyst see signs that this trend is continuing, but UnitedHealth CEO Stephen Hemsley warned last fall he expected use to return to more normal levels. For the full year, UnitedHealth earned $5.14 billion, or $4.73 per share, on $101.9 billion in revenue.
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