v3.26.1
Medical Claims and Benefits Payable
 6 Months Ended
Jun. 30, 2026
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.
Six Months Ended June 30, 2026
Medicaid Medicare MarketplaceOtherConsolidated
 (In millions)
Medical claims and benefits payable, beginning balance$3,638 $688 $547 $14 $4,887 
Components of medical care costs related to:
Current year14,916 2,875 1,198 6 18,995 
Prior years(156)(93)(31)(5)(285)
Total medical care costs14,760 2,782 1,167 1 18,710 
Payments for medical care costs related to:
Current year11,860 2,279 920 3 15,062 
Prior years2,888 559 463 8 3,918 
Total paid14,748 2,838 1,383 11 18,980 
Change in non-risk and other payables224 — — — 224 
Medical claims and benefits payable, ending balance$3,874 $632 $331 $4 $4,841 
Six Months Ended June 30, 2025
Medicaid MedicareMarketplaceOtherConsolidated
 (In millions)
Medical claims and benefits payable, beginning balance$3,667 $722 $251 $— $4,640 
Components of medical care costs related to:
Current year14,833 2,813 1,815 48 19,509 
Prior years(162)(70)31 — (201)
Total medical care costs14,671 2,743 1,846 48 19,308 
Payments for medical care costs related to:
Current year11,981 2,203 1,465 51 15,700 
Prior years2,978 641 284 15 3,918 
Total paid14,959 2,844 1,749 66 19,618 
Acquired balances, net of post-acquisition adjustments— 128 125 42 295 
Change in non-risk and other payables260 — — — 260 
Medical claims and benefits payable, ending balance$3,639 $749 $473 $24 $4,885 
IBNP totaled $2,936 million as of June 30, 2026, and 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, 2025, and 2024 developed favorably by approximately $285 million and $201 million as of June 30, 2026, and 2025, respectively.
The favorable prior year development recognized in the six months ended June 30, 2026 was primarily attributable to reserving under moderately adverse conditions, lower than expected utilization of medical services by our members and improved operating performance, mainly in the Medicaid and Medicare segments. Consequently, the ultimate costs recognized in 2026, as claims payments were processed, were lower than our estimates in 2025.