“As we look at that national accounts performance, we are very pleased with what we have seen in terms of a very strong renewal year and also a strong sales year, which leaves us I am confident in a growth year for national accounts for 2023.”

In context

“sa Gill: Thanks very much for taking my question. When we think about membership in the commercial market, I am just curious how employers are currently talking to you about that trend going into ‘23. And if you can just give us an update on your thoughts around if we move into a recessionary type of environment what that could mean for the health plan business? Andrew Witty: Lisa, thanks so much for the question. And I will pass that actually to our new Head of ENI, our commercial insurance business, Dan Keuter. Dan, would you like to answer that? Dan Keuter: Yes. Thanks Andrew for the introduction. And Lisa thanks for the question. As you know, at this point in the year, our national accounts business for 2023 is largely resolved, but the other segments of our business are not resolved. As we look at that national accounts performance, we are very pleased with what we have seen in terms of a very strong renewal year and also a strong sales year, which leaves us I am confident in a growth year for national accounts for 2023. The other lines of the business are yet to resolve. Specifically related to your question about recessionary impacts, we are certainly well aware of those. However, I would note at this point, based on our Q3 performance, we have seen net hiring among our customers. So, we have not yet seen an emergence of recessionary impact in our commercial book of business. Looking forward to 2023, we will assess the continued evolving economic situation and provide additional guidance as that becomes more clear. Thanks for your question, Lisa. Andrew Witty: Dan, thank you very much for that and Lisa, thank you for the question. So, last question, please, operator. Operator: Absolutely. Our final question for today will come from Gary Taylor of Cowen. Gary Taylor: Hi. Good morning. I just want to come”