“So look, we're going to take the same disciplined approach going into 2027, and feel confident that we can continue the momentum and again, make meaningful progress towards target margins in 2027.”

In context

“stin. I just want to add my personal acknowledgment of the strong partnership we've had with CMS. I appreciate the progress we made from Advance Notice to Final Notice. They definitely listened, and notwithstanding the shortfall relative to trend, I appreciate the partnership there. Look, we're off to a strong start in our Medicare Advantage business. You can see that. The year-over-year improvement is really encouraging. And as David said, we've been laying down the foundation for this business over the past 2 years. So we took a very disciplined strategy into our 2026 planning, strong execution during AEP, which resulted in improved geographic mix, product mix, membership landed in line with our expectations. And we have leading Star scores. We're going to carry those into 2027 as well. So look, we're going to take the same disciplined approach going into 2027, and feel confident that we can continue the momentum and again, make meaningful progress towards target margins in 2027. And yes, I'll just reaffirm our confidence in hitting target margins in 2028. Brian Newman: And Justin, maybe I'll just reassert what Steve was getting at. We've got tremendous earning power at Aetna, and we see a pathway back to target margins, as you mentioned, by '28. Our goal remains to get back to target margins as quickly as possible. And I think the start of this year reinforces our trajectory. Operator: Our next question comes from Michael Cherny with Leerink Partners. Michael Cherny: Maybe if I can just dive in a bit on HSS. Obviously, big focus point heading into the year as you work through the rebate guarantees. It's great to see the outperformance even adjusting for the timing. Is it possible to go a little bit more into some of the timing dynamics? And then as you think abou”