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Health Care Costs Payable (Tables)
 3 Months Ended
Mar. 31, 2025
Health Care And Other Insurance Liabilities [Abstract]  
Components of Change in Health Care Costs Payable
The following table shows the components of the change in health care costs payable during the three months ended March 31, 2025 and 2024:
Three Months Ended
March 31,
In millions20252024
Health care costs payable, beginning of the period$15,064 $12,049 
Less: Reinsurance recoverables81 5 
Less: Impact of discount rate on long-duration insurance reserves (1)
(1)(23)
Health care costs payable, beginning of the period, net14,984 12,067 
Add: Components of incurred health care costs
  Current year30,293 28,212 
  Prior years(1,651)(479)
Total incurred health care costs (2)
28,642 27,733 
Less: Claims paid
  Current year19,312 16,263 
  Prior years9,749 9,150 
Total claims paid29,061 25,413 
Health care costs payable, end of the period, net14,565 14,387 
Add: Premium deficiency reserve431 — 
Add: Reinsurance recoverables114 4 
Add: Impact of discount rate on long-duration insurance reserves (1)
2 (23)
Health care costs payable, end of the period$15,112 $14,368 
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(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 income (loss) on the unaudited condensed consolidated balance sheets.
(2)Total incurred health care costs for the three months ended March 31, 2025 and 2024 in the table above exclude $16 million and $23 million, respectively, of health care costs recorded in the Health Care Benefits segment that are included in other insurance liabilities on the unaudited condensed consolidated balance sheets and $46 million and $47 million, respectively, of health care costs recorded in the Corporate/Other segment that are included in other insurance liabilities on the unaudited condensed consolidated balance sheets. Total incurred health care costs for the three months ended March 31, 2025 also exclude $431 million for a premium deficiency reserve for the 2025 coverage year related to the Company’s individual exchange product line.