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v3.25.1

Segments - Reconciliation of Gross Margin to Consolidated Income (Details) - USD ($) $ in Millions | 3 Months Ended
--- | ---
Mar. 31, 2025 | Mar. 31, 2024
Revenue: |  |
Premium revenue | $ 10,628 | $ 9,504
Service revenue | 22 | 20
Revenue from external customers | 10,650 | 9,524
Other operating revenues | 497 | 407
Total revenue | 11,147 | 9,931
Operating expenses: |  |
Medical care costs | 9,479 | 8,414
Cost of service revenue | 19 | 18
Segment expenses | 9,498 | 8,432
Other operating expenses | 1,216 | 1,073
Operating income | 433 | 426
Less: interest expense | 43 | 27
Income before income tax expense | 390 | 399
Medical margin |  |
Operating expenses: |  |
Segment margin | 1,149 | 1,090
Service margin |  |
Operating expenses: |  |
Segment margin | 3 | 2
Operating segments | Medicaid |  |
Revenue: |  |
Premium revenue | 8,130 | 7,492
Service revenue | 0 | 0
Revenue from external customers | 8,130 | 7,492
Operating expenses: |  |
Medical care costs | 7,339 | 6,717
Cost of service revenue | 0 | 0
Segment expenses | 7,339 | 6,717
Operating segments | Medicaid | Medical margin |  |
Operating expenses: |  |
Segment margin | 791 | 775
Operating segments | Medicaid | Service margin |  |
Operating expenses: |  |
Segment margin | 0 | 0
Operating segments | Medicare |  |
Revenue: |  |
Premium revenue | 1,468 | 1,442
Service revenue | 0 | 0
Revenue from external customers | 1,468 | 1,442
Operating expenses: |  |
Medical care costs | 1,296 | 1,279
Cost of service revenue | 0 | 0
Segment expenses | 1,296 | 1,279
Operating segments | Medicare | Medical margin |  |
Operating expenses: |  |
Segment margin | 172 | 163
Operating segments | Medicare | Service margin |  |
Operating expenses: |  |
Segment margin | 0 | 0
Operating segments | Marketplace |  |
Revenue: |  |
Premium revenue | 1,004 | 570
Service revenue | 0 | 0
Revenue from external customers | 1,004 | 570
Operating expenses: |  |
Medical care costs | 821 | 418
Cost of service revenue | 0 | 0
Segment expenses | 821 | 418
Operating segments | Marketplace | Medical margin |  |
Operating expenses: |  |
Segment margin | 183 | 152
Operating segments | Marketplace | Service margin |  |
Operating expenses: |  |
Segment margin | 0 | 0
Operating segments | Other |  |
Revenue: |  |
Premium revenue | 26 | 0
Service revenue | 22 | 20
Revenue from external customers | 48 | 20
Operating expenses: |  |
Medical care costs | 23 | 0
Cost of service revenue | 19 | 18
Segment expenses | 42 | 18
Operating segments | Other | Medical margin |  |
Operating expenses: |  |
Segment margin | 3 | 0
Operating segments | Other | Service margin |  |
Operating expenses: |  |
Segment margin | $ 3 | $ 2

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