Our segment results were as follows for the years ended December 31, 2016, 2015, and 2014:



	Retail		Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2016
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	31,863	$	—	$	—	$	—		$	—		$	31,863
Group Medicare Advantage	4,283		—		—		—			—			4,283
Medicare stand-alone PDP	4,009		—		—		—			—			4,009
Total Medicare	40,155		—		—		—			—			40,155
Fully-insured	3,492		5,405		—		—			—			8,897
Specialty	259		1,020		—		—			—			1,279
Medicaid and other	2,640		12		—		38			—			2,690
Total premiums	46,546		6,437		—		38			—			53,021
Services revenue:
Provider	—		52		226		—			—			278
ASO and other	8		642		—		10			—			660
Pharmacy	—		—		31		—			—			31
Total services revenue	8		694		257		10			—			969
Total revenues—external customers	46,554		7,131		257		48			—			53,990
Intersegment revenues
Services	—		99		18,842		—			(18,941		)	—
Products	—		—		5,993		—			(5,993		)	—
Total intersegment revenues	—		99		24,835		—			(24,934		)	—
Investment income	101		19		30		66			173			389
Total revenues	46,655		7,249		25,122		114			(24,761		)	54,379
Operating expenses:
Benefits	40,143		5,122		—		617			(875		)	45,007
Operating costs	5,339		1,778		23,926		16			(23,782		)	7,277
Depreciation and amortization	236		92		129		1			(104		)	354
Total operating expenses	45,718		6,992		24,055		634			(24,761		)	52,638
Income (loss) from operations	937		257		1,067		(520		)	—			1,741
Interest expense	—		—		—		—			189			189
Income (loss) before income taxes	$	937	$	257	$	1,067	$	(520	)	$	(189	)	$	1,552

Premium and services revenues derived from our contracts with the federal government, as a percentage of our total premium and services revenues, was approximately 75% for 2016, compared to 73% for 2015, and 73% for 2014.

Premiums revenue for our Retail segment for 2016 includes a reduction of $583 million associated with the write-off of commercial risk corridor receivables as discussed more fully in Note 7.

Benefits expense for Other Businesses for 2016 includes $505 million for reserve strengthening associated with our closed block of long-term care insurance policies as discussed more fully in Note 18.



	Retail		Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2015
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	29,526	$	—	$	—	$	—	$	—		$	29,526
Group Medicare Advantage	5,588		—		—		—		—			5,588
Medicare stand-alone PDP	3,846		—		—		—		—			3,846
Total Medicare	38,960		—		—		—		—			38,960
Fully-insured	4,243		5,493		—		—		—			9,736
Specialty	261		1,055		—		—		—			1,316
Medicaid and other	2,341		21		—		35		—			2,397
Total premiums	45,805		6,569		—		35		—			52,409
Services revenue:
Provider	—		40		655		—		—			695
ASO and other	9		658		—		14		—			681
Pharmacy	—		—		30		—		—			30
Total services revenue	9		698		685		14		—			1,406
Total revenues—external customers	45,814		7,267		685		49		—			53,815
Intersegment revenues
Services	—		93		17,997		—		(18,090		)	—
Products	—		—		4,923		—		(4,923		)	—
Total intersegment revenues	—		93		22,920		—		(23,013		)	—
Investment income	134		26		—		76		238			474
Total revenues	45,948		7,386		23,605		125		(22,775		)	54,289
Operating expenses:
Benefits	39,708		5,266		—		87		(792		)	44,269
Operating costs	5,118		1,769		22,481		14		(22,064		)	7,318
Depreciation and amortization	192		93		143		—		(73		)	355
Total operating expenses	45,018		7,128		22,624		101		(22,929		)	51,942
Income from operations	930		258		981		24		154			2,347
Gain on sale of business	—		—		—		—		270			270
Interest expense	—		—		—		—		186			186
Income before income taxes	$	930	$	258	$	981	$	24	$	238		$	2,431

Benefits expense for the Retail segment for 2015 includes $176 million for a provision for probable future losses (premium deficiency) for individual commercial medical business compliant with the Health Care Reform Law for the 2016 coverage year as discussed more fully in Note 7.



	Retail		Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2014
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	25,782	$	—	$	—	$	—	$	—		$	25,782
Group Medicare Advantage	5,490		—		—		—		—			5,490
Medicare stand-alone PDP	3,404		—		—		—		—			3,404
Total Medicare	34,676		—		—		—		—			34,676
Fully-insured	3,265		5,339		—		—		—			8,604
Specialty	256		1,098		—		—		—			1,354
Medicaid and other	1,255		19		—		51		—			1,325
Total premiums	39,452		6,456		—		51		—			45,959
Services revenue:
Provider	—		23		1,254		—		—			1,277
ASO and other	39		740		—		9		—			788
Pharmacy	—		—		99		—		—			99
Total services revenue	39		763		1,353		9		—			2,164
Total revenues—external customers	39,491		7,219		1,353		60		—			48,123
Intersegment revenues
Services	—		78		15,098		—		(15,176		)	—
Products	—		—		3,749		—		(3,749		)	—
Total intersegment revenues	—		78		18,847		—		(18,925		)	—
Investment income	97		23		—		60		197			377
Total revenues	39,588		7,320		20,200		120		(18,728		)	48,500
Operating expenses:
Benefits	33,508		5,130		—		102		(574		)	38,166
Operating costs	4,576		1,936		19,307		17		(18,197		)	7,639
Depreciation and amortization	165		103		155		—		(90		)	333
Total operating expenses	38,249		7,169		19,462		119		(18,861		)	46,138
Income from operations	1,339		151		738		1		133			2,362
Interest expense	—		—		—		—		192			192
Income (loss) before income taxes	$	1,339	$	151	$	738	$	1	$	(59	)	$	2,170