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.