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v3.25.0.1

Segments - Reconciliation of Gross Margin to Consolidated Income (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Revenue: |  |  |
Premium revenue | $ 38,627 | $ 32,529 | $ 30,883
Service revenue | 81 | 76 | 71
Revenue from external customers | 38,708 | 32,605 | 30,954
Other operating revenues | 1,942 | 1,467 | 1,020
Total revenue | 40,650 | 34,072 | 31,974
Operating Expenses: |  |  |
Medical care costs | 34,428 | 28,669 | 27,175
Cost of service revenue | 73 | 67 | 60
Segment expenses | 34,501 | 28,736 | 27,235
Other operating expenses | 4,442 | 3,763 | 3,566
Operating income | 1,707 | 1,573 | 1,173
Interest expense | 118 | 109 | 110
Less: interest expense | 118 | 109 | 110
Income before income tax expense | 1,589 | 1,464 | 1,063
Medical |  |  |
Operating Expenses: |  |  |
Medical margin | 4,199 | 3,860 | 3,708
Service |  |  |
Operating Expenses: |  |  |
Medical margin | 8 | 9 | 11
Operating Segments | Medicaid |  |  |
Revenue: |  |  |
Premium revenue | 30,579 | 26,327 | 24,827
Service revenue | 0 | 0 | 0
Revenue from external customers | 30,579 | 26,327 | 24,827
Operating Expenses: |  |  |
Medical care costs | 27,600 | 23,354 | 21,846
Cost of service revenue | 0 | 0 | 0
Segment expenses | 27,600 | 23,354 | 21,846
Operating Segments | Medicaid | Medical |  |  |
Operating Expenses: |  |  |
Medical margin | 2,979 | 2,973 | 2,981
Operating Segments | Medicaid | Service |  |  |
Operating Expenses: |  |  |
Medical margin | 0 | 0 | 0
Operating Segments | Medicare |  |  |
Revenue: |  |  |
Premium revenue | 5,542 | 4,179 | 3,795
Service revenue | 0 | 0 | 0
Revenue from external customers | 5,542 | 4,179 | 3,795
Operating Expenses: |  |  |
Medical care costs | 4,939 | 3,791 | 3,358
Cost of service revenue | 0 | 0 | 0
Segment expenses | 4,939 | 3,791 | 3,358
Operating Segments | Medicare | Medical |  |  |
Operating Expenses: |  |  |
Medical margin | 603 | 388 | 437
Operating Segments | Medicare | Service |  |  |
Operating Expenses: |  |  |
Medical margin | 0 | 0 | 0
Operating Segments | Marketplace |  |  |
Revenue: |  |  |
Premium revenue | 2,506 | 2,023 | 2,261
Service revenue | 0 | 0 | 0
Revenue from external customers | 2,506 | 2,023 | 2,261
Operating Expenses: |  |  |
Medical care costs | 1,889 | 1,524 | 1,971
Cost of service revenue | 0 | 0 | 0
Segment expenses | 1,889 | 1,524 | 1,971
Operating Segments | Marketplace | Medical |  |  |
Operating Expenses: |  |  |
Medical margin | 617 | 499 | 290
Operating Segments | Marketplace | Service |  |  |
Operating Expenses: |  |  |
Medical margin | 0 | 0 | 0
Operating Segments | Other |  |  |
Revenue: |  |  |
Premium revenue | 0 | 0 | 0
Service revenue | 81 | 76 | 71
Revenue from external customers | 81 | 76 | 71
Operating Expenses: |  |  |
Medical care costs | 0 | 0 | 0
Cost of service revenue | 73 | 67 | 60
Segment expenses | 73 | 67 | 60
Operating Segments | Other | Medical |  |  |
Operating Expenses: |  |  |
Medical margin | 0 | 0 | 0
Operating Segments | Other | Service |  |  |
Operating Expenses: |  |  |
Medical margin | $ 8 | $ 9 | $ 11

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