@OP France is moving away from Teams/Zoom on a Europe-built solution to diversify away from countries with which they are not aligned. Countries and employers have that option and duty. Good luck with Optum doing work outside the USA. That win we had with NHS that was supposed to propel us for billions of Euros in EU EHR implementation work? That's gone for sure!
Employers that care about their employees and their reputation have been dropping UHC and looking elsewhere. It doesn't help when UHC forces providers out of network, leaving employers with increasingly local/RTO staff with few in-network options.
We're in death spiral. While 5 YR TCV contracts build a moat, some are up for renewal every year and that OO after YR 3 hits, too. If 20% of our UHC business is up for renewal each year you can easily imagine mid- to high- single digit hits to overall UHG revenue due to premium losses.