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Health Care Costs Payable (Tables)

6 Months Ended

Jun. 30, 2025

Health Care And Other Insurance Liabilities [Abstract]

Components of Change in Health Care Costs Payable

The following table shows the components of the change in health care costs payable during the six months ended June 30, 2025 and 2024:

			Six Months Ended June 30,
In millions			2025						2024
Health care costs payable, beginning of the period			$	15,064					$	12,049
Less: Reinsurance recoverables			81						5
Less: Impact of discount rate on long-duration insurance reserves (1)			(1)						(23)
Health care costs payable, beginning of the period, net			14,984						12,067
Add: Components of incurred health care costs
Current year			61,345						56,177
Prior years			(1,900)						(662)
Total incurred health care costs (2)			59,445						55,515
Less: Claims paid
Current year			48,791						43,218
Prior years			11,342						10,514
Total claims paid			60,133						53,732
Health care costs payable, end of the period, net			14,296						13,850
Add: Premium deficiency reserves			902						—
Add: Reinsurance recoverables			103						59
Add: Impact of discount rate on long-duration insurance reserves (1)			(30)						(24)
Health care costs payable, end of the period			$	15,271					$	13,885

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(1)Reflects the difference between the current discount rate and the locked-in discount rate on long-duration insurance reserves which is recorded within accumulated other comprehensive income (loss) on the unaudited condensed consolidated balance sheets.

(2)Total incurred health care costs for the six months ended June 30, 2025 and 2024 in the table above exclude $19 million and $48 million, respectively, of health care costs recorded in the Health Care Benefits segment that are included in other insurance liabilities on the unaudited condensed consolidated balance sheets and $86 million and $93 million, respectively, of health care costs recorded in the Corporate/Other segment that are included in other insurance liabilities on the unaudited condensed consolidated balance sheets. Total incurred health care costs for the six months ended June 30, 2025 also exclude $902 million for premium deficiency reserves for the 2025 coverage year related to the Company’s individual exchange and Group Medicare Advantage product lines.

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- Definition

Health Care and Other Insurance Liabilities [Abstract]

+ References

No definition available.

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- Definition

Tabular disclosure of the activity in the reserve for settling insured claims and expenses incurred in the claims settlement process for the period. The estimated liability includes the amount of money that will be required for future payments of (a) claims that have been reported to the insurer, (b) claims related to insured events that have occurred but that have not been reported to the insurer as of the date the liability is estimated, and (c) claim adjustment expenses. Claim adjustment expenses include costs incurred in the claim settlement process such as legal fees; outside adjuster fees; and costs to record, process, and adjust claims.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480081/944-40-50-3

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