Claims Development And Service CostsUnfavorable claims development and rising inpatient and outpatient service costs have acted as a drag on earnings and cash flow.
Elevated Medical Cost TrendsElevated medical cost trends, particularly from new membership, have pressured profitability and could continue to compress margins.
Guidance Uncertainty And Analyst CautionAnalyst caution and conservative profitability estimates remain until formal guidance is provided, increasing uncertainty around future performance.