BENEFITS PAYABLE - Activity in Benefits Payable (Details) - USD ($) $ in Millions	9 Months Ended
Sep. 30, 2024	Sep. 30, 2023
Liability for Unpaid Claims and Claims Adjustment Expense [Roll Forward]
Balances, beginning of period	$ 10,241	$ 9,264
Acquisitions	0	62
Incurred related to:
Current year	75,976	66,370
Prior years	(693)	(758)
Total incurred	75,283	65,612
Paid related to:
Current year	(65,282)	(56,700)
Prior years	(9,117)	(8,042)
Total paid	(74,399)	(64,742)
Balances, end of period	11,125	$ 10,196
Total IBNR included in benefits payable	$ 7,200

The amount needed to reflect the estimated ultimate cost of settling claims relating to insured events that have occurred on or before the balance sheet date, whether or not reported to the insurer at that date.

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- Definition

Amount of increase (decrease) in the cost of settling unpaid claims after deduction of reinsurance recoveries related to the acquisition of a business. Includes, but is not limited to, claims which have been incurred but not reported.

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Amount, after effects of reinsurance, of payments to settle claims incurred in the current period and related claims settlement costs.

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Amount, after effects of reinsurance, of payments to settle claims incurred in prior periods and related claims settlement costs.

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- Definition

Estimated costs as of the balance sheet date of settling insured claims and costs incurred in the claims settlement process for claims that have not yet been submitted to the insurance company for reimbursement.

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Amount, after effects of reinsurance, of expense (reversal of expense) for claims incurred and costs incurred in the claim settlement process.

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A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.

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Amount, after effects of reinsurance, of payments to settle insured claims and pay costs incurred in the claims settlement process.

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Amount, after effects of reinsurance, of expense for claims incurred in the current reporting period and related claims settlement costs.

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Amount, after effects of reinsurance, of expense (reversal of expense) for claims incurred in prior reporting periods and related claims settlement costs.

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