For its 2025 fiscal year, the Company's guidance is as follows:

• Total revenues of $166.5 billion to $169.5 billion.
• Premium and service revenues of $154.0 billion to $156.0 billion.
• GAAP diluted earnings per share (EPS) of greater than $6.19.
• Adjusted diluted EPS of greater than $7.25.
• Health benefits ratio (HBR) of 88.4% to 89.0%.
• Selling, general and administrative (SG&A) expense ratio of 8.1% to 8.7%.
• Adjusted SG&A expense ratio of 8.1% to 8.7%.
• Effective tax rate of 21.5% to 22.5%.
• Adjusted effective tax rate of 22.0% to 23.0%.
• Diluted shares outstanding of 491.0 million to 494.0 million.