If you already own 100 shares
Income call
For income on UNH you already hold: sell the Oct 9 $410 call and take $242 now. If UNH climbs to $410 by Oct 9, your 100 shares are sold at $410, so only do it if you're happy selling there.
If it climbs past $410 your 100 shares are sold at $410 and you keep the $242. That is the trade working, not a loss.
The call order
ActionSell to open
ContractUNH Oct 9 $410 call
You get$242 (limit about $2.42)
If it climbsYour 100 shares sell at $410
Chance your shares are soldabout 16 in 100
After removing the trend-30% a year