Company: CI
Filing Date: 2025-10-30
Form Type: 10-Q
Source: 0001739940-25-000037
Chunk: 275

Company: Cigna Group
Filing Date: 2025-10-30
Form: 10-Q
Item: Part I, Item 2
Chunk 275
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9%, or $3,592 million, primarily due to the impact of the HCSC transaction (-$2,998 million and -$5,524 million, respectively), partially offset by higher premiums within employer insured (+$323 million and  +$952 million, respectively) and stop loss (+$219 million and +$633 million, respectively), primarily reflecting premium rate increases.

Pre-tax adjusted income from operations decreased 12%, or $136 million, and 8%, or $299 million, primarily due to a higher MCR.

The medical care ratio increased 200 bps for the three months ended, primarily due to relatively equal contributions from our Individual and Family Plans business and higher expected stop loss medical costs. The medical care ratio increased 160 bps for the nine months ended, primarily due to higher expected stop loss medical costs.

The SG&A expense ratio decreased 10 bps and 40 bps, primarily due to revenue growth outpacing volume-related expenses within the ongoing businesses (-60 bps and -50 bps, respectively), partially offset by the impact of the HCSC transaction (+60 bps and +20 bps, respectively).

45

Medical Customers

Medical customers include individuals who meet any of the following criteria: (i) are covered under a medical insurance policy, managed care arrangement or administrative services agreement issued by Cigna Healthcare; (ii) have access to the Cigna Healthcare provider network for covered services under their medical plan; or (iii) have medical claims that are administered by Cigna Healthcare.

Cigna Healthcare Medical CustomersAs of September 30,(In thousands)20252024ChangeU.S. Healthcare2,562 3,833 (33)%International Health (1)1,268 1,209 5 Insured3,830 5,042 (24)%U.S. Healthcare13,790 13,573 2 %International Health (1)439 433 1 Administrative services only14,229 14,006 2 %Total18,059 19,048 (5)%

(1)International Health excludes medical customers served by less than 100%-owned subsidiaries, as well as certain customers served by our third-party administrator.

Total medical customers decreased 5%, primarily due to the HCSC transaction.

Unpaid Claims and Claim Expenses

As of September 30,As ofDecember 31,(In millions)20252024ChangeUnpaid claims and claim expenses$4,676 $