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Medical Claims and Benefits Payable | 9 Months Ended
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Sep. 30, 2025
Insurance [Abstract] |
Medical Claims and Benefits Payable | 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. The amounts presented for “Components of medical care costs related to: Prior years” represent the amount by which our original estimate of medical claims and benefits payable at the beginning of the year varied from the actual liabilities, based on information (principally the payment of claims) developed since those liabilities were first reported.
| Nine Months Ended September 30, 2025
| Medicaid |  | Medicare |  | Marketplace |  | Other |  | Consolidated
| (In millions)
Medical claims and benefits payable, beginning balance | $ | 3,667 |  |  | $ | 722 |  |  | $ | 251 |  |  | $ | — |  |  | $ | 4,640 |
Components of medical care costs related to: |  |  |  |  |  |  |  |  |
Current year | 22,165 |  |  | 4,306 |  |  | 2,940 |  |  | 65 |  |  | 29,476 |
Prior years | (118) |  |  | (56) |  |  | 50 |  |  | — |  |  | (124) |
Total medical care costs | 22,047 |  |  | 4,250 |  |  | 2,990 |  |  | 65 |  |  | 29,352 |
Payments for medical care costs related to: |  |  |  |  |  |  |  |  |
Current year | 19,074 |  |  | 3,753 |  |  | 2,525 |  |  | 73 |  |  | 25,425 |
Prior years | 3,067 |  |  | 676 |  |  | 306 |  |  | 10 |  |  | 4,059 |
Total paid | 22,141 |  |  | 4,429 |  |  | 2,831 |  |  | 83 |  |  | 29,484 |
Acquired balances, net of post-acquisition adjustments | — |  |  | 152 |  |  | 173 |  |  | 36 |  |  | 361 |
Change in non-risk and other payables | (25) |  |  | — |  |  | — |  |  | — |  |  | (25) |
Medical claims and benefits payable, ending balance | $ | 3,548 |  |  | $ | 695 |  |  | $ | 583 |  |  | $ | 18 |  |  | $ | 4,844 |
| Nine Months Ended September 30, 2024
| Medicaid |  | Medicare |  | Marketplace |  | Other |  | Consolidated
| (In millions)
Medical claims and benefits payable, beginning balance | $ | 3,444 |  |  | $ | 532 |  |  | $ | 228 |  |  | $ | — |  |  | $ | 4,204 |
Components of medical care costs related to: |  |  |  |  |  |  |  |  |
Current year | 20,903 |  |  | 3,798 |  |  | 1,349 |  |  | — |  |  | 26,050 |
Prior years | (553) |  |  | (70) |  |  | (2) |  |  | — |  |  | (625) |
Total medical care costs | 20,350 |  |  | 3,728 |  |  | 1,347 |  |  | — |  |  | 25,425 |
Payments for medical care costs related to: |  |  |  |  |  |  |  |  |
Current year | 17,813 |  |  | 3,237 |  |  | 1,122 |  |  | — |  |  | 22,172 |
Prior years | 2,256 |  |  | 742 |  |  | 217 |  |  | — |  |  | 3,215 |
Total paid | 20,069 |  |  | 3,979 |  |  | 1,339 |  |  | — |  |  | 25,387 |
Acquired balances, net of post-acquisition adjustments | — |  |  | 463 |  |  | — |  |  | — |  |  | 463 |
Change in non-risk and other payables | 27 |  |  | — |  |  | — |  |  | — |  |  | 27 |
Medical claims and benefits payable, ending balance | $ | 3,752 |  |  | $ | 744 |  |  | $ | 236 |  |  | $ | — |  |  | $ | 4,732 |
Incurred but not paid (“IBNP”) plus expected development on reported claims as of September 30, 2025 was $3,173 million. IBNP includes the costs of claims incurred as of the balance sheet date which have been reported to us, and our best estimate of the cost of claims incurred but not yet reported to us. Our estimates of medical claims and benefits payable recorded at December 31, 2024, and 2023 developed favorably by approximately $124 million and $625 million as of September 30, 2025, and 2024, respectively. The favorable prior year development recognized in the nine months ended September 30, 2025 was primarily attributable to reserving under moderately adverse conditions. On a consolidated basis, the ultimate costs recognized in 2025, as claims payments were processed, were lower than our estimates in 2024; however, medical costs in our Marketplace segment were higher than our original estimates.

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