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Affordable Care Act | 12 Months Ended
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Dec. 31, 2025
Affordable Care Act [Abstract] |
Affordable Care Act | Affordable Care Act The ACA established risk spreading premium stabilization programs as well as a minimum annual MLR and CSRs. The Company's net receivables (payables) for each of the programs are as follows ($ in millions):
| December 31, 2025 |  | December 31, 2024
Risk adjustment receivable | $ | 1,449 |  |  | $ | 1,434 |
Risk adjustment payable | (2,087) |  |  | (1,605) |
Minimum medical loss ratio | (294) |  |  | (688) |
Cost sharing reduction receivable | 13 |  |  | 305 |
Cost sharing reduction payable | (15) |  |  | (74) |
In June 2025, CMS announced the final risk adjustment transfers for the 2024 benefit year. CMS announced an update to the final risk adjustment transfer in July 2025, and the risk adjustment net receivable was decreased by $504 million in the twelve months ended December 31, 2025. After consideration of minimum MLR and other related impacts, which includes the effect to the 2025 benefit year, the net pre-tax benefit recognized was $163 million for the year ended December 31, 2025. As of December 31, 2025, the Company's 2025 benefit year net risk adjustment payable was $545 million.

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- Definition Affordable Care Act Disclosure [Text Block] + References No definition available. + Details
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