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During the a few months and 12 months finished December 31, 2022, the opioid litigation expenses relate to agreements to take care of considerably all opioid claims versus the corporation by selected states and governmental entities. The opioid litigation fees are reflected in just the Corporate/Other phase.

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(3) Healthcare advantage ratio is calculated by dividing the Overall health Treatment Added benefits phase's health and fitness treatment prices by premium revenues and signifies The share of high quality revenues expended on clinical Gains with the phase's insured customers. Management makes use of MBR to assess the fundamental small business performance and underwriting of its insurance policy products and solutions, understand variances in between precise final results and anticipated success and discover traits in period of time-about-period of time success.