Ben Hendrix

knowing that we're going to be recapturing the stop loss margins over a number of years, any reason not to expect elevated 4Q cost trend in 2025 as well

site of care optimization actions you mentioned helping to control your cost trend

To what degree could that expansion provide any offset to the shifting margin dynamics you mentioned in CarillonRx

To what extent are these members just members that you're simply no longer competing for versus a subset that could be recaptured into other plans

if the current environment is making any or driving any drastic changes to your capital allocation strategy this year

I was wondering if you could specifically talk about your new member engagement strategy, how many of those new members you've actually reached out to

walk us through the components of the EBITDA bridge as you see them today after such a dynamic first quarter

how your results compare to your internal expectations for the quarter

if you could provide some thoughts on the potential for a transition to a health savings account construct for the enhanced subsidies

How much in there did you recognize in the fourth -- or in the third quarter and is included in guidance for Tennessee specifically?

I was wondering if you could comment a little bit on commercial volume you're seeing. One of your peers talked about waning consumer confidence driving some weakness

how reactive is the labor market to recession expectations? And is there any change to your wage inflation forecast in this current environment?

just wanted to get your thoughts on how you see commercial mix progressing and how enrollment fared for you guys. In your opinion, how it's going to impact Florida and Texas?

any early observations within CenterWell on trend

I wanted to zero in quickly on the 140,000 new DSNP members to 18% growth there

Can you talk a little bit about the measures or general categories where you feel like you've made the most tangible progress versus the latest data?

I was wondering if you could give us an update on your thoughts around the path to the 3% MA margin target

You discussed in your prepared remarks higher than expected D SNP attrition for the year and caution around change in SCP rules

Can you talk a little bit more about where the demand is on the outpatient behavioral side in terms of the types of services

I was wondering if you could give us a little bit more color on what you're seeing in terms of surgical trends, both inpatient and outpatient and what case mix is looking like in the quarter

the strong 7.2% rate growth there. Just wanted to -- I imagine there's some payer mix dynamics there with redetermination?

There any way to parse out how much of that is just overall conservatism versus foreseeable changes in specific programs?

how are thinking overall about adequacy at this point? You know, where are we at a point where there is a reasonable cushion

I'm wondering if there's any changes to how you're thinking about the breadth and scale of care capabilities that you want to add to support VBC

Just wanted to get an update on what you're seeing from state renewals through April and if we're still on track to close that rate acuity gap by the end of the year