“And in addition, in 2026, we will begin to publish our results in areas of interest such as prior authorizations, and claim approval rates, certain performance statistics, data and trends, rebate practices and prices for products and services, key business and core management practices and policies.”

In context

“convenience. expect at least We're hoping to invest nearly $1.5 billion in 2026 and as much to follow in 2027. This work is making a difference within our organization today and we it will serve as the foundation for external versions that can benefit the broad health system through OptumInsight. Lastly, we are methodically taking steps to advance greater trust and transparency wherever we serve the public health care interests. This began with the independent reviews of business practices and risk assessment in pharmacy services, and in care management. Those first independent reports were published in December and the remediation recommendations will be completed and reported no later than March. Further independent oversight reviews and reports were in process today and will continue. And in addition, in 2026, we will begin to publish our results in areas of interest such as prior authorizations, and claim approval rates, certain performance statistics, data and trends, rebate practices and prices for products and services, key business and core management practices and policies. For methods such as these and more, as they evolve, we will become even more publicly accountable for our performance and strive every day to improve it. We thank you for your time this morning. We'll now open it up for your questions. Operator, please. Operator: The floor is now open for questions. At this time, if you have a question or comment, please press 2 on your touch tone phone. We ask that you limit yourself to one question. If you ask multiple questions, we will only be answering the first question so we can respond to everyone in the queue this morning. Our first question comes from Josh Raskin with Nephron Research. Joshua Raskin: Hi, thanks. Good morning. Appreciate all the details. So you're guiding to a decline in 2026 in traditional MA lives of you know, even more than th”