“We're pricing and negotiating our fully insured business for January right now, and we're comfortable with how that's materializing as well.”

In context

“r comments on the strength in commercial growth and national accounts for next year. Can you give us a little bit of color on the pricing environment, given all the comments you've made on the moving pieces and cost trends, and then help us put into context that, and the broader economy with how your clients are thinking about product selection, either in breath or the type of products that they're purchasing from you in ’24? Andrew Witty: Sarah, thanks so much for the question. Let me ask Dan Kueter, who looks after our commercial insurance business to answer that. Dan Kueter: Yes, thanks, Andrew. Hi, Sarah. Thanks for the question. The growth that John mentioned in his comments is settled business in our national accounts fee-based segment. So we're very happy with how that's completed. We're pricing and negotiating our fully insured business for January right now, and we're comfortable with how that's materializing as well. Employers continue to focus on both affordability and innovation, and our innovative products continue to resonate significantly in the market, as Dirk highlighted in his comments. Thanks, Sarah. Andrew Witty: Thanks so much, Don. Next question, please? Operator: We’ll, the next two David Windley with Jefferies. David Windley: Hi, good morning. Thanks for taking my question. I wanted to pivot to OptumInsight, you had commented in previous calls about a fairly heavy level of spending to integrate change and invest in that platform. I wondered if you could update us on any ongoing spend in that regard? What we should expect in terms of implementation on pro-health and kind of trajectory of margin in OptumInsight? Thank you. Andrew Witty: Hey, David, thanks so much for the question. Let me a”