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Segments
 9 Months Ended
Sep. 30, 2020
Segment Reporting [Abstract]  
Segments Segments
We currently have two reportable segments: the Health Plans segment and the Other segment. Our reportable segments are consistent with how we currently manage the business and view the markets we serve.
Margin is the appropriate earnings measure for our reportable segments, based on how our chief operating decision maker currently reviews results, assesses performance, and allocates resources.
The key metrics used to assess the performance of our Health Plans segment are premium revenue, medical margin and MCR. MCR represents the amount of medical care costs as a percentage of premium revenue. Therefore, the underlying margin, or the amount earned by the Health Plans segment after medical costs are deducted from premium revenue, is the most important measure of earnings reviewed by management. Margin for our Health Plans segment is referred to as “Medical Margin.”
The following table presents total revenue by segment. Inter-segment revenue was insignificant for all periods presented.
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
(In millions)
Total revenue:
Health Plans$5,020 $4,239 $14,181 $12,546 
Other1 4 7 9 
Consolidated$5,021 $4,243 $14,188 $12,555 
The following table reconciles margin to consolidated income before income taxes:
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
(In millions)
Margin:
Health Plans$670 $561 $2,032 $1,725 
Add: other operating revenues (1)
253 159 744 470 
Less: other operating expenses (2)
(634)(463)(1,789)(1,393)
Operating income289 257 987 802 
Other expenses, net27 24 77 52 
Income before income tax expense$262 $233 $910 $750 
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(1)Other operating revenues include premium tax revenue, health insurer fees reimbursed, and investment income and other revenue.
(2)Other operating expenses include general and administrative expenses, premium tax expenses, health insurer fees, depreciation and amortization, and other costs.