Medical Claims Liability (Tables)

9 Months Ended

Sep. 30, 2024

The following table summarizes the change in medical claims liability for the nine months ended September 30, 2024 ($ in millions):


	Medicaid		Medicare		Commercial		Other		Consolidated Total
Balance, January 1, 2024	$	10,814	$	3,612	$	3,460	$	114	$	18,000
Less: Reinsurance recoverable	5		—		44		—		49
Balance, January 1, 2024, net	10,809		3,612		3,416		114		17,951

Incurred related to:
Current year	59,327		16,134		19,211		1,216		95,888
Prior years	(1,247)		(439)		(306)		7		(1,985)
Total incurred	58,080		15,695		18,905		1,223		93,903
Paid related to:
Current year	50,198		13,006		15,773		1,040		80,017
Prior years	8,543		2,713		2,523		120		13,899
Total paid	58,741		15,719		18,296		1,160		93,916
Plus: Premium deficiency reserve	—		(5)		—		—		(5)
Balance, September 30, 2024, net	10,148		3,583		4,025		177		17,933
Plus: Reinsurance recoverable	20		—		42		—		62
Balance, September 30, 2024	$	10,168	$	3,583	$	4,067	$	177	$	17,995

The following table summarizes the change in medical claims liability for the nine months ended September 30, 2023 ($ in millions):


	Medicaid		Medicare		Commercial		Other		Consolidated Total
Balance, January 1, 2023	$	11,253	$	3,431	$	1,921	$	140	$	16,745
Less: Reinsurance recoverable	7		—		19		—		26
Balance, January 1, 2023, net	11,246		3,431		1,902		140		16,719

Incurred related to:
Current year	60,379		14,680		13,994		1,095		90,148
Prior years	(1,303)		(326)		(256)		(3)		(1,888)
Total incurred	59,076		14,354		13,738		1,092		88,260
Paid related to:
Current year	50,774		12,069		11,575		984		75,402
Prior years	8,517		2,452		1,376		136		12,481
Total paid	59,291		14,521		12,951		1,120		87,883
Balance, September 30, 2023, net	11,031		3,264		2,689		112		17,096
Plus: Reinsurance recoverable	4		—		41		—		45
Balance, September 30, 2023	$	11,035	$	3,264	$	2,730	$	112	$	17,141