The following table reconciles direct earned premiums, direct benefits and claims, excluding reserve remeasurement gains and losses, and reserve remeasurement gains and losses to net amounts after the effect of reinsurance.


	Three Months Ended June 30,						Six Months Ended June 30,
(In millions)	2025			2024			2025			2024
Earned premiums:
Direct		$	3,525		$	3,352		$	6,958		$	6,834
Ceded		(91)			(66)			(179)			(135)
Assumed		36			39			72			82
Net earned premiums		$	3,470		$	3,325		$	6,851		$	6,781

Benefits and claims, excluding reserve remeasurement:
Direct		$	2,097		$	1,995		$	4,128		$	4,077
Ceded		(64)			(36)			(120)			(68)
Assumed		14			13			25			30
Benefits and claims, excluding reserve remeasurement		2,047			1,972			4,033			4,039
Reserve remeasurement (gains) losses:
Direct		(37)			(51)			(78)			(108)
Ceded		0			0			0			1

Reserve remeasurement (gains) losses		(37)			(51)			(78)			(107)
Total benefits and claims, net		$	2,010		$	1,921		$	3,955		$	3,932