What's going on with UNH?

UNH barely missed earnings, trimmed full-year guidance, plus the change healthcare cyberattack combined with medicare advantage rate cuts are all real. But a ~$100B wipe in market cap? Feels like the selloff is pricing in more than what’s on the surface.

Is this just overreaction with some algo pressure, or is there something deeper? like undisclosed liabilities, institutional exits, or insider signals Im not catching? Curious if anyone has a sharper lens on this.