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Any way to think about the impact from the exchange side as far as capital you might recapture next year?
I'm a little bit surprised that the MLR in 2026 isn't expected to make any progress given exchanges should be repriced and smaller and stop loss
When you say that the investment spending will continue into 2027, are you saying that it's going to be a similar year-over-year drag in '27
one of your larger competitors talked about how at least they're under-earning on the commercial side of the business and need to reprice over the next couple of years
you said that you were seeing pockets of deceleration in some areas of trends
can you talk a little bit about the confidence and the visibility? Obviously, the exchange members have changed dramatically
Are you guys expecting that 2026 is going to be basically more of a trough year and that you should be expecting to build on that in '27
Does that mean that you don't expect to be back to target margins in Medicaid in 2027
is there any way that you can kind of break out whether weather had an impact, how much that was? And then the improved mortality?
can you just give a little more color on the rate update? Why was the rate so strong in Q1 relative to your guidance for the year?
It sounds like you're saying it was coming in better, but it sounds like the guidance hasn't changed yet for the year to get that right
I forget, you gave some kind of multiyear guidance ranges. Was it 3 years you said? Or was it 5 years that you were giving those OI and EPS comments?
the way to think about it is that number, the $1.125 billion, that's before the $200 million investment
I wanted to get a little more color on the commentary around, I guess, the confidence in getting back to the 2% plus volume number
What would that number look like this year?
Is there anything that you can provide color on there? I assume that's not something that necessarily shows up in a given quarter, but maybe there's optimism that, that can improve next year?
when you say swing factor, does it -- are you talking about just shifts in membership between payers that, that could have a meaningful impact as your rate with different payers are significant eno...
I'm just trying to figure out why mortality in your view, is persistently elevated versus where it was historically
Does that mean when volumes do start to come back that you should be growing even faster than the 3% to 7% OI?
whether the high enrollment has come with any change in the underlying risk pool that you're seeing
given that the membership numbers have been lower than we would have thought, I guess, across most of the products, is there anything that we should be reading into as far as where you are strategi...
how much of that risk pool shift that you kind of expect to be happening in 2026. I don't know how you would quantify that, whether it's 1/3 of what you'd expect in the next 5 years happens next year
why should we be assuming any improvement in Medicaid margins over the next couple of years if there seems to be this lag here between rate setting and the data coming in
Can you just talk a little bit about the $150 million impact from the exchanges this quarter and how that compares to the $600 million to $900 million annual number
you guys have been over 20% margin last year, this year, even though you've got these headwinds coming in. Kind of think about 20% margin as kind of the high end for you guys
did I hear you say earlier that you think that between the bill and the expiration of the subsidies, over the longer term, you still expect to grow EBITDA 4% to 6%
are you saying that the funding shortfall for '27 is bigger than this funding shortfall for '26 as far as Humana goes?
how you guys believe your visibility is going to play out over the next several months?
Can you just kind of remind us what the MLR or margin differential is between good channel, bad channel, plan to plan, new to plan
I was wondering if you could talk a little bit more about the Part D performance and then any comments that you have on the CMS regulations
you at least had a competitor who is growing very quickly now. It seems like they're slowing, they're closing down capacity in certain locations. Is there anything else that you're seeing more broa...
Can you talk a little bit about the barriers? Is it just lack of focus? Are there markets where you are doing it well and that are blueprint?
is there competition out there? Is that what's driving the weakness in volumes? Or is it still more of the staffing and other issues
can you maybe size how much of the trend component is this acuity dynamic? And then what exactly you can do to address it?
Would you expect a similar dynamic with with these two coding components
if you look at the market today and the markets you want to focus on, what percentage of MA really lends itself to a successful value-based care model?
you mentioned across a number of businesses that you had portfolio actions that you're delaying. Can you talk a little bit about what exactly those types of actions were