Kevin Fischbeck : I wanted to ask a little bit about the customer growth, that’s a pretty strong number there. And so when you think about the enrollment growth, I guess, first on the ACA side, how comfortable are you about the risk profile and the pricing on that type of growth? And then as far as the commercial growth, is there — I know it’s ASOs so it’s less risk — worried about risk there, but just want to understand your thought process around how redeterminations impacted your growth expectations there? Maybe how much of that growth you expect there is in group versus kind of new customer wins?
David Cordani : Good morning, Kevin, it’s David. Let me start just frame it a bit more broadly and then ask Brian to peel back your question a little bit. First, we’re pleased with the strong performance we delivered in 2022 and now being able to step into 2023 with a very attractive outlook. And it continues to reinforce that our Cigna Healthcare platform, including our Commercial employer portfolio continues to perform very well. I’d just highlight three areas quickly in terms of the underlying drivers or enablers of the continued growth for us. One, especially in the commercial employer portfolio is a consistent intense focus. We have, we are, we will continue to have a consistent intense focus on this segment as we see it as a growth segment.
Hence, we focus and innovate for its benefit. Second is a track record of excellent total cost or total medical costs. That is resulting from very good work from our network management team our clinical programs and the returns they deliver and our growing suite of site of care optimization programs that all contribute to good clinical quality service and overall affordability. And then finally, what we’ve talked about before, but maybe it’s sometimes forgotten, our orientation around consultation and putting solutions in place. So whether it’s an employer of 100 or an employer of 10,000, we take an orientation of consultatively working to put the right solution suite in place for them. I’m going to have Brian peel back the drivers of our outlook, I will put one asterisk on it.
We have not factored in an uptake relative to redeterminations as a contributor in our outlook for the year. We recognize that redeterminations present an opportunity for us, not a risk for us because we don’t have that business to protect currently. But given it’s still uncertain in terms of the rate and pace of state activity to adjudicate their redeterminations, we don’t have that factored into this very attractive outlook. Of course, we’ll present updates to you as the year unfolds as states go through the redetermination process. I’ll ask Brian to unpack the drivers of our membership growth a little further.
Brian Evanko : Sure, David. Good morning, Kevin. So maybe just a little bit more detail here in terms of how to think about the 1.2 million plus net customer growth. And then I’ll hit your question on the ACA exchange profitability as well. So first off, I’d be remiss if I didn’t say we’re really pleased with another year of strong growth that we expect here in 2023 and following growing almost 1 million net customers or 5% in 2022. And as we mentioned earlier, we expect net growth in 2023 across all of our major U.S. business segments with the individual exchange business expecting at least 300,000 net customer growth. Our MA net growth has started strong. We expect at least a high single-digit percentage growth rate for 2023, in line or better than industry growth rates.
