Medical Claims Liability (Tables)

9 Months Ended

Sep. 30, 2026

The following table summarizes the change in medical claims liability for the nine months ended September 30, 2026 ($ in millions):


	Medicaid		Medicare		Commercial		Other		Consolidated Total
Balance, January 1, 2026	$	10,375	$	4,401	$	5,683	$	85	$	20,544
Less: Reinsurance recoverable	16		—		60		—		76
Balance, January 1, 2026, net	10,359		4,401		5,623		85		20,468

Incurred related to:
Current year	66,889		29,496		22,827		1,108		120,320
Prior years	(1,101)		(268)		(478)		(13)		(1,860)
Total incurred	65,788		29,228		22,349		1,095		118,460
Paid related to:
Current year	56,197		25,236		18,504		1,100		101,037
Prior years	8,300		3,773		4,303		70		16,446
Total paid	64,497		29,009		22,807		1,170		117,483

Balance, September 30, 2026, net	11,650		4,620		5,165		10		21,445
Plus: Reinsurance recoverable	15		—		35		—		50
Balance, September 30, 2026	$	11,665	$	4,620	$	5,200	$	10	$	21,495

The following table summarizes the change in medical claims liability for the nine months ended September 30, 2025 ($ in millions):


	Medicaid		Medicare		Commercial		Other		Consolidated Total
Balance, January 1, 2025	$	10,299	$	3,358	$	4,463	$	188	$	18,308
Less: Reinsurance recoverable	18		—		47		—		65
Balance, January 1, 2025, net	10,281		3,358		4,416		188		18,243

Incurred related to:
Current year	64,181		25,306		27,111		1,597		118,195
Prior years	(1,143)		(501)		(504)		(24)		(2,172)
Total incurred	63,038		24,805		26,607		1,573		116,023
Paid related to:
Current year	53,764		21,544		22,201		1,426		98,935
Prior years	8,229		2,461		3,250		161		14,101
Total paid	61,993		24,005		25,451		1,587		113,036
Plus: Premium deficiency reserve	—		190		—		—		190
Balance, September 30, 2025, net	11,326		4,348		5,572		174		21,420
Plus: Reinsurance recoverable	17		—		56		—		73
Balance, September 30, 2025	$	11,343	$	4,348	$	5,628	$	174	$	21,493