Medical Claims Liability (Tables)

3 Months Ended

Mar. 31, 2025

The following table summarizes the change in medical claims liability for the three months ended March 31, 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	21,419		7,553		7,972		514		37,458
Prior years	(576)		(176)		(365)		(16)		(1,133)
Total incurred	20,843		7,377		7,607		498		36,325
Paid related to:
Current year	12,996		5,243		4,731		359		23,329
Prior years	6,849		1,923		2,648		150		11,570
Total paid	19,845		7,166		7,379		509		34,899
Plus: Premium deficiency reserve	—		178		—		—		178
Balance, March 31, 2025, net	11,279		3,747		4,644		177		19,847
Plus: Reinsurance recoverable	18		—		46		—		64
Balance, March 31, 2025	$	11,297	$	3,747	$	4,690	$	177	$	19,911

The following table summarizes the change in medical claims liability for the three months ended March 31, 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	20,179		5,495		5,884		373		31,931
Prior years	(684)		(156)		(204)		(5)		(1,049)
Total incurred	19,495		5,339		5,680		368		30,882
Paid related to:
Current year	12,823		3,266		3,339		258		19,686
Prior years	6,993		2,050		1,973		108		11,124
Total paid	19,816		5,316		5,312		366		30,810
Plus: Premium deficiency reserve	—		50		—		—		50
Balance, March 31, 2024, net	10,488		3,685		3,784		116		18,073
Plus: Reinsurance recoverable	4		—		32		—		36
Balance, March 31, 2024	$	10,492	$	3,685	$	3,816	$	116	$	18,109