“Turning to OptumInsight. We expect earning growth of greater than 4% while expanding margins by approximately 90 basis points.”

In context

“, we have implemented new pricing models that will deliver greater transparency to customers and cost based reimbursement. To pharmacies. We have removed reauthorization requirements for 180 drugs benefiting millions of people and we will continue to expand these efforts. And we continue to advance our commitment to pass through 100% of drug rebates we receive to our customers. Over 95% of our customers have elected to receive full rebate pass through in 2026. With all remaining customers expected to transition by the 2027. Our customers recognize pharmacy benefits are an essential tool helping employers, governments, and patients afford and access medications. OptumRx members save over $2,200 in annual prescription costs due to our efforts in moderating manufacturer drug price increases. Turning to OptumInsight. We expect earning growth of greater than 4% while expanding margins by approximately 90 basis points. This growth is driven by new sales, commercialization of new products, stringent cost management, and increased volumes within existing core businesses. Investments and execution on 2026 priorities will set the stage for more growth into 2027. And beyond. Principally through broad based AI first new product innovation, strengthening Optum's care provider market offerings. An important change starting in 2026 involves aligning OptiMinsight and Optum Financial Services. These businesses have a much greater synergy today. For example, integrating OptumReal's AI driven revenue cycle solutions with Optum Financial Services payment and financing capabilities, has the potential to transform health care transactions moving the industry from post service reconciliation to real time point of care a”