“We're seeing some modest favorability in the government programs which would then include Medicare Advantage, commercial very consistent with those expectations.”

In context

“ally in your expectations. I'm wondering, can we focus in on is it running close to 10%? Or is it more in the 7% to 8%? And if it's accelerated, where has it accelerated or if it's moderated, where is it moderating? Stephen Hemsley: Tim, do you want to take that? Timothy Noel: Yes. A.J., thank you for the question. So as we referenced broadly speaking, across UnitedHealthcare, trend is progressing in line with our expectation. And again, our focus for 2026 was to focus on margin recovery and product stability across all of these businesses. And we continue to see the utilization patterns continue at the high elevated levels that we experienced inside of 2025. And you're correct. We were talking about a 7% to 8% trend in Medicare Advantage with a pricing assumption of around 10% into 2026. We're seeing some modest favorability in the government programs which would then include Medicare Advantage, commercial very consistent with those expectations. It's really early right now. We'll have a more fulsome view when we talk in Q2 and can get down into some of the specific service categories. But right now, the takeaway is modest favorability in government programs, but progressing at those elevated high levels. We're not seeing any inflection point, and we're really comfortable with the pricing posture that we had coming into 2026 based on how things are playing out in the early innings. Operator: Our next question comes from Kevin Fischbeck with Bank of America. Kevin Fischbeck: Great. Maybe just following up on that trend question. I think you specifically mentioned this in context to the Medicare Advantage, but you talked about acuity and provider billing and how you're trying to address that. So can you maybe size how much of the tr”