v3.25.0.1
Health Care Costs Payable (Tables)
 12 Months Ended
Dec. 31, 2024
Health Care and Other Insurance Liabilities [Abstract]  
Information about Incurred and Paid Health Care Claims Development
The information about incurred and paid health care claims development for the year ended December 31, 2023 is presented as required unaudited supplemental information.
In millionsIncurred Health Care Claims,
Net of Reinsurance
For the Years Ended December 31,
Date of Service20232024
(Unaudited)
2023$82,362 $81,559 
2024109,458 
Total$191,017 
In millionsCumulative Paid Health Care Claims,
Net of Reinsurance
For the Years Ended December 31,
Date of Service20232024
(Unaudited)
2023$72,175 $81,044 
202497,155 
Total$178,199 
All outstanding liabilities for health care costs payable prior to 2023, net of reinsurance
128 
Total outstanding liabilities for health care costs payable, net of reinsurance$12,946 
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense
The reconciliation of the December 31, 2024 health care net incurred and paid claims development tables to the health care costs payable liability on the consolidated balance sheet were as follows:
In millionsDecember 31, 2024
Short-duration health care costs payable, net of reinsurance$12,946 
Reinsurance recoverables81 
Insurance lines other than short duration282 
Other non-insurance health care costs payable1,755 
Total health care costs payable$15,064 
Components of Change in Health Care Costs Payable
The following table shows the components of the change in health care costs payable during the years ended December 31, 2024, 2023 and 2022:
In millions202420232022
Health care costs payable, beginning of period $12,049 $10,142 $8,678 
Less: Reinsurance recoverables5 5 8 
Less: Impact of discount rate on long-duration insurance reserves (1)
(23)8 — 
Health care costs payable, beginning of period, net12,067 10,129 8,670 
Acquisition, net— 1,098 — 
Add: Components of incurred health care costs
  Current year115,774 86,639 71,399 
  Prior years(947)(685)(654)
Total incurred health care costs (2)
114,827 85,954 70,745 
Less: Claims paid
  Current year101,583 75,529 61,640 
  Prior years10,327 9,585 7,646 
Total claims paid111,910 85,114 69,286 
Health care costs payable, end of period, net14,984 12,067 10,129 
Add: Reinsurance recoverables81 5 5 
Add: Impact of discount rate on long-duration insurance reserves (1)
(1)(23)8 
Health care costs payable, end of period$15,064 $12,049 $10,142 
_____________________________________
(1)Reflects the difference between the current discount rate and the locked-in discount rate on long-duration insurance reserves which is recorded within accumulated other comprehensive loss on the consolidated balance sheets.
(2)Total incurred health care costs for the years ended December 31, 2024, 2023 and 2022 in the table above exclude $107 million, $83 million and $79 million, respectively, of health care costs recorded in the Health Care Benefits segment that are included in other insurance liabilities on the consolidated balance sheets and $187 million, $210 million and $249 million, respectively, of health care costs recorded in the Corporate/Other segment that are included in other insurance liabilities on the consolidated balance sheets.