“we do expect more than 50% of our full year growth to come in AEP.”

In context

“o, it would have been something we would have understood in those elements. And that was one of those, trying to give example. But there were a few and they totaled up to that 80 basis points, 90 basis points. Group MA refunds being one of them. But I wouldn't call it a surprise to where our view has been the last few months here on this. And then, I'll go to Tim... Andrew Witty: No, to Bobby. John Rex: Yeah, Bobby. Bobby Hunter: Yeah. Thanks, John, and thanks, Justin, for the question. So, in terms of AEP results, we are very pleased with how things played out for us. They're very much aligned to our expectations, and it puts us on track to achieve the full year MA growth target of up to 800,000 that we've communicated. Really important to remember that with the selling changes for 2025, we do expect more than 50% of our full year growth to come in AEP. Also worth noting, this level of growth is not something we're unfamiliar with, and I'm really proud of our teams and the 1/1 readiness activities we've executed on to ensure a smooth transition for our new and returning customers. Maybe to offer a few highlights on the growth itself, seeing really balanced and diversified growth across our products and our geographies, in particular, some really nice strength within our HMO and full dual plan offerings. John also mentioned retention performing at near record levels, a great testament to the value that we're offering to consumers. And maybe lastly, of the members who have left us in prior years, we are seeing about 3 times as many return to UHC this year as compared to last year. I really view that as a testament to the service models and”