“Our 2026 performance outlook reflects adjusted earnings growth in all three segments of our business, ranging from low to high single digit year over year performance and margin expansion ranging from 20 to 90 basis points across the portfolio.”

In context

“and satisfaction at a lower cost. Over 80% of calls from members leverage AI tools to help answer members' questions faster and more accurately. This enables our advocates to focus more time on a better service experience for individuals. Now I'll turn it over to Patrick Conway CEO of Optum. Patrick Conway: Thanks, Tim. And good morning, everyone. As we start 2026, Optum will be anchored around relentless focus on improved and consistent execution. In OptumHealth and OptumInsight. That will enable future margin expansion and top line growth. OptumRx will remain focused on maintaining its market position and providing a more comprehensive suite of pharmacy benefits and services. And continuing to pursue success in winning new customers for 2027 and 2028. All in highly competitive markets. Our 2026 performance outlook reflects adjusted earnings growth in all three segments of our business, ranging from low to high single digit year over year performance and margin expansion ranging from 20 to 90 basis points across the portfolio. Growth rates will remain somewhat tempered in 2026, but strategic refocus and investment in modern next generation services should lead to growing momentum in the back half of the year that will carry into 2027 and beyond. Some details on each of our segments, starting with OptumRx. At OptumRx, we expect operating earnings growth from expanding margins by 20 basis points. On an adjusted basis. This growth is driven by a strong external selling season, that will impact 2026 and 2027 as we implement and expand over 800 new customer relationships. While new customer wins were offset by membership contraction at UnitedHealthcare, we are capitalizing on significant AI automation enabled operating to support our expanded margin outlook. In 2026. Entering 2026, we have implemented new pricing mo”