“actually, we expect marginal profit contribution on new members for D-SNP, and so, actually view that as a positive.”

In context

“ted to, maintaining benefits stability and being thoughtful in some of the investments that we made. So, for example, on the D-SNP side, that's clearly an area where we leaned in. Our focus was on the flex cards. And as Tom said, these are cards that our members can use for food, OTC, utilities, etc. We believe this is an attractive benefit. But importantly, the assumptions we used for 2024 effectively assume full utilization. And so, there's just not a lot of incremental breakage that can occur in 2024 relative to the D-SNP population. I'd also remind you that our D-SNP population is largely HMO, and so they weren't impacted by the stars challenges that we've had for 2024. So, as you think about marginal contribution and where our benefit design is and our anticipation to grow that book, actually, we expect marginal profit contribution on new members for D-SNP, and so, actually view that as a positive. And on the general enrollment side, we're very targeted in our investments, and the investments we made tended to be in new plans as opposed to existing plans, which actually was a thoughtful way of really driving opportunities for growth without earning the entire book with incremental costs. So, again, I feel good about 2024 where we're positioned. And I would say, as Karen said in our opening remarks, feel very good about our ability to achieve at or above-market growth on the Medicare side. And then finally, on your margin question, I'm clearly we're way below where we need to be on 2024 margins, we understand that. Our expectation for 2025 is that we'll take significant ground against our margin targets. Obviously, we need to see where the rate notice comes out, what the competitive”