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Medical Claims Liability (Tables)

3 Months Ended

Mar. 31, 2026

Insurance [Abstract]

Schedule of Change in Medical Claims Liability by Operating Segment

The following table summarizes the change in medical claims liability for the three months ended March 31, 2026 ($ in millions):

			Medicaid						Medicare						Commercial						Other						Consolidated Total
Balance, January 1, 2026			$	10,375					$	4,401					$	5,683					$	85					$	20,544
Less: Reinsurance recoverable			16						—						60						—						76
Balance, January 1, 2026, net			10,359						4,401						5,623						85						20,468
Incurred related to:
Current year			22,608						9,013						7,490						386						39,497
Prior years			(653)						(241)						(292)						(8)						(1,194)
Total incurred			21,955						8,772						7,198						378						38,303
Paid related to:
Current year			14,092						6,397						4,521						358						25,368
Prior years			6,820						2,710						3,252						76						12,858
Total paid			20,912						9,107						7,773						434						38,226
Balance, March 31, 2026, net			11,402						4,066						5,048						29						20,545
Plus: Reinsurance recoverable			14												68												82
Balance, March 31, 2026			$	11,416					$	4,066					$	5,116					$	29					$	20,627

The following table summarizes the change in medical claims liability for the three months ended March 31, 2025 ($ in millions):

			Medicaid						Medicare						Commercial						Other						Consolidated Total
Balance, January 1, 2025			$	10,299					$	3,358					$	4,463					$	188					$	18,308
Less: Reinsurance recoverable			18						—						47						—						65
Balance, January 1, 2025, net			10,281						3,358						4,416						188						18,243
Incurred related to:
Current year			21,419						7,553						7,972						514						37,458
Prior years			(576)						(176)						(365)						(16)						(1,133)
Total incurred			20,843						7,377						7,607						498						36,325
Paid related to:
Current year			12,996						5,243						4,731						359						23,329
Prior years			6,849						1,923						2,648						150						11,570
Total paid			19,845						7,166						7,379						509						34,899
Plus: Premium deficiency reserve			—						178						—						—						178
Balance, March 31, 2025, net			11,279						3,747						4,644						177						19,847
Plus: Reinsurance recoverable			18						—						46						—						64
Balance, March 31, 2025			$	11,297					$	3,747					$	4,690					$	177					$	19,911

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- 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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