“We have historically or recently talked about the commercial trend approaching 11%. I think that's probably still a good place to orientate to.”

In context

“enterprise is kind of more compelling than ever. Okay. Thanks. Next question, please. Operator: And we'll go next to Anne with Mizuho Securities. Ann Hynes: Hi, good morning. In your prepared remarks, talked about your trend expectations for 2026. Is up 10%. You tell us what that is Medicare, Medicaid and commercial? And maybe how 2025 ended what was different versus your expectations? Thanks. Timothy Noel: Yeah. Thanks, Anne, for the question. So you're correct. The 10% is a number. assumptions inside of Medicare. That reflects our utilization 2025 closed out around 7.5%. Which is what we've kinda reset our expectation through middle point of the year. So that really is, playing out well at a high level in terms of historical care utilization patterns in line with our RESET expectations. We have historically or recently talked about the commercial trend approaching 11%. I think that's probably still a good place to orientate to. Due to some of the nuance in the Medicaid market, where it's not quite as instructive to give a point estimate there, But I think you can just think about the themes really being similar across all the businesses. Seeing elevated trend that elevated in the earlier part of 2025. Remains at those elevated levels. And our expectation is that will persist into 2026. Thanks, Tim. I think we have time for maybe just one more question or two. Because we're gonna try to wrap it up at eight. So next question, please. Operator: And our next question comes from Erin Wright with Morgan Stanley. Erin Wilson Wright: Great, thanks. So it seems like you're progressing according to plan with the Optum turnaround, but has there been any surprises that have come out of some of the initiatives there, especia”