“We intend to grow again in 2024, as Andrew had said. We expect the marketplace to continue to grow in 2024. And we continue to lead with the strong momentum that we have demonstrated for many years now.”

In context

“Witty: Yes. Josh, thanks so much for the question. Let me ask Brian to give you a few thoughts. Brian? Brian Thompson: Hey Josh. Thanks for the question. I will just reiterate, I think what Andrew said. Certainly, this 3-year phase-in gives us an opportunity to minimize this impact on beneficiaries. And I will just reiterate the optimism that Andrew shared. Because of that, that gives us time to really evaluate our cost structure. First and foremost, I think that’s the consideration that we are deeply focused on to make sure that we manage this impact. Look, it’s not the first time that we have had to navigate a rate environment like this. So, I will just say we remain optimistic about MA and the value prop that it has broadly. We certainly feel very good about our market position in it. We intend to grow again in 2024, as Andrew had said. We expect the marketplace to continue to grow in 2024. And we continue to lead with the strong momentum that we have demonstrated for many years now. So, we are obviously in the middle of our benefit planning, but I can just share with you that we are encouraged and optimistic. Andrew Witty: Great. Thanks so much, Brian. I appreciate it. Thanks Josh. Next question. Operator: We will take our next question from Lance Wilkes with Bernstein. Please go ahead. Lance Wilkes: Thanks. Could you talk a little bit about OptumCare and the full-risk patients you have got, specifically the non-UnitedHealthcare patients? And how is the progress going as far as growing that? And how do you see this MA rate environment and high premium environment in commercial employer impacting and potentially accelerating your ability to add non-UHC risk patients? Andrew Witty: So, Lance, thanks so much for the question. Let me just make a couple of upfront comment”