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Medical Claims and Benefits Payable (Tables)
 12 Months Ended
Dec. 31, 2024
Insurance [Abstract]  
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense
The following table provides the details of our medical claims and benefits payable as of the dates indicated.
December 31,
202420232022
(In millions)
Fee-for-service claims incurred but not paid (“IBNP”)$3,085 $2,901 $2,597 
Pharmacy payable249 202 206 
Capitation payable182 100 94 
Other1,124 1,001 631 
Total$4,640 $4,204 $3,528 
Schedule of Components of The Change in Medical Claims and Benefits Payable
The following tables present the components of the change in our medical claims and benefits payable for the periods indicated.
Year Ended December 31, 2024
Medicaid Medicare MarketplaceConsolidated
 (In millions)
Medical claims and benefits payable, beginning balance$3,444 $532 $228 $4,204 
Components of medical care costs related to:
Current year28,211 5,000 1,892 35,103 
Prior years(611)(61)(3)(675)
Total medical care costs27,600 4,939 1,889 34,428 
Payments for medical care costs related to:
Current year24,950 4,464 1,646 31,060 
Prior years2,258 761 220 3,239 
Total paid27,208 5,225 1,866 34,299 
Acquired balances, net of post-acquisition adjustments— 476 — 476 
Change in non-risk and other provider payables(169)— — (169)
Medical claims and benefits payable, ending balance$3,667 $722 $251 $4,640 
Year Ended December 31, 2023
Medicaid Medicare MarketplaceConsolidated
 (In millions)
Medical claims and benefits payable, beginning balance$2,815 $452 $261 $3,528 
Components of medical care costs related to:
Current year23,749 3,802 1,545 29,096 
Prior years(395)(11)(21)(427)
Total medical care costs23,354 3,791 1,524 28,669 
Payments for medical care costs related to:
Current year20,999 3,293 1,323 25,615 
Prior years2,069 431 234 2,734 
Total paid23,068 3,724 1,557 28,349 
Acquired balances, net of post-acquisition adjustments82 14 — 96 
Change in non-risk and other provider payables261 (1)— 260 
Medical claims and benefits payable, ending balance$3,444 $532 $228 $4,204 
Year Ended December 31, 2022
Medicaid Medicare MarketplaceConsolidated
 (In millions)
Medical claims and benefits payable, beginning balance$2,580 $404 $379 $3,363 
Components of medical care costs related to:
Current year22,097 3,390 1,972 27,459 
Prior years(251)(32)(1)(284)
Total medical care costs21,846 3,358 1,971 27,175 
Payments for medical care costs related to:
Current year19,655 2,944 1,746 24,345 
Prior years1,966 361 343 2,670 
Total paid21,621 3,305 2,089 27,015 
Acquired balances, net of post-acquisition adjustments12 — — 12 
Change in non-risk and other provider payables(2)(5)— (7)
Medical claims and benefits payable, ending balance$2,815 $452 $261 $3,528 
Schedule of Incurred and Paid Claims Development
The following tables provide information about our consolidated incurred and paid claims development as of December 31, 2024, as well as cumulative claims frequency and the total of incurred but not paid claims liabilities. The pattern of incurred and paid claims development is consistent across each of our segments. The cumulative claim frequency is measured by claim event, and includes claims covered under capitated arrangements.
Incurred Claims and Allocated Claims Adjustment ExpensesTotal IBNPCumulative number of reported claims
Benefit Year202220232024
(Unaudited)(Unaudited)
(In millions)
2022$27,459 $27,128 $27,036 $13 148 
202329,192 28,634 52 157 
202435,103 3,018 158 
$90,773 $3,083 
Cumulative Paid Claims and Allocated Claims Adjustment Expenses
Benefit Year202220232024
(Unaudited)(Unaudited)
(In millions)
2022$24,345 $27,051 $27,023 
202325,615 28,887 
202431,060 
$86,970 
Schedule of Reconciliation of Claims Development to Liability
The following table represents a reconciliation of claims development to the aggregate carrying amount of the liability for medical claims and benefits payable.
2024
(In millions)
Incurred claims and allocated claims adjustment expenses$90,773 
Less: cumulative paid claims and allocated claims adjustment expenses(86,970)
All outstanding liabilities before 20222 
Acquired balances476 
Non-risk and other provider payables359 
Medical claims and benefits payable $4,640