Company: CI
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0001739940-25-000009
Chunk: 613

Company: Cigna Group
Filing Date: 2025-02-27
Form: 10-K
Item: Item 7
Chunk 613
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4. The increases for both periods were primarily due to higher stop loss medical costs.

The SG&A expense ratio decreased 120 bps, primarily due to revenue growth outpacing volume-related expenses (-60 bps), as well as ongoing efficiencies (-30 bps).

Medical Customers

A medical customer is defined as a person meeting any one of the following criteria:

•is covered under a medical insurance policy, managed care arrangement or administrative services agreement issued by us;

•has access to our provider network for covered services under their medical plan; or

•has medical claims that are administered by us.

Cigna Healthcare Medical CustomersAs of December 31,ChangeChange(In thousands)2024202320222024 vs. 20232023 vs. 2022U.S. Healthcare3,853 4,280 3,587 (427)(10)693 19 International Health (1)1,211 1,184 1,169 27 2 15 1 Insured5,064 5,464 4,756 (400)(7)%708 15 %U.S. Healthcare13,649 13,890 12,619 (241)(2)1,271 10 International Health (1)434 426 629 8 2 (203)(32)Administrative services only14,083 14,316 13,248 (233)(2)1,068 8 Total19,147 19,780 18,004 (633)(3)%1,776 10 %

(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 3%, primarily due to a decline in IFP customers. See Part I, Item 1 of this Form 10-K for definitions of Cigna Healthcare market segments. 

Unpaid Claims and Claim Expenses

As of December 31,ChangeChange(In millions)2024202320222024 vs. 20232023 vs. 2022Unpaid claims and claim expenses$5,018 $5,092 $4,176 $(74)(1)%$916 22 %

Our unpaid claims and claim expenses liability decreased 1%, driven by a decrease in IFP customers (-$300 million), partially offset by an increase related to the Medicare businesses (+$175 million).

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Other Operations

Other Operations includes