Our segment results were as follows for the years ended December 31, 2015, 2014, and 2013:



	Retail		Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2015
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	29,526	$	—	$	—	$	—	$	—		$	29,526
Group Medicare Advantage	5,588		—		—		—		—			5,588
Medicare stand-alone PDP	3,846		—		—		—		—			3,846
Total Medicare	38,960		—		—		—		—			38,960
Fully-insured	4,243		5,493		—		—		—			9,736
Specialty	261		1,055		—		—		—			1,316
Medicaid and other	2,341		21		—		35		—			2,397
Total premiums	45,805		6,569		—		35		—			52,409
Services revenue:
Provider	—		40		655		—		—			695
ASO and other	9		658		—		14		—			681
Pharmacy	—		—		30		—		—			30
Total services revenue	9		698		685		14		—			1,406
Total revenues—external customers	45,814		7,267		685		49		—			53,815
Intersegment revenues
Services	—		93		17,997		—		(18,090		)	—
Products	—		—		4,923		—		(4,923		)	—
Total intersegment revenues	—		93		22,920		—		(23,013		)	—
Investment income	134		26		—		76		238			474
Total revenues	45,948		7,386		23,605		125		(22,775		)	54,289
Operating expenses:
Benefits	39,708		5,266		—		87		(792		)	44,269
Operating costs	5,118		1,769		22,481		14		(22,064		)	7,318
Depreciation and amortization	192		93		143		—		(73		)	355
Total operating expenses	45,018		7,128		22,624		101		(22,929		)	51,942
Income from operations	930		258		981		24		154			2,347
Gain on sale of business	—		—		—		—		270			270
Interest expense	—		—		—		—		186			186
Income before income taxes	$	930	$	258	$	981	$	24	$	238		$	2,431

Premium and services revenues derived from our contracts with the federal government, as a percentage of our total premium and services revenues, was approximately 73% for 2015, compared to 73% for 2014, and 75% for 2013.

Benefits expense for the Retail segment for 2015 includes $176 million for a provision for probable future losses (premium deficiency) for individual commercial medical business compliant with the Health Care Reform Law for the 2016 coverage year as discussed more fully in Note 7.



	Retail		Group		Healthcare Services		Other Businesses		Eliminations/ Corporate			Consolidated
	(in millions)
2014
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	25,782	$	—	$	—	$	—	$	—		$	25,782
Group Medicare Advantage	5,490		—		—		—		—			5,490
Medicare stand-alone PDP	3,404		—		—		—		—			3,404
Total Medicare	34,676		—		—		—		—			34,676
Fully-insured	3,265		5,339		—		—		—			8,604
Specialty	256		1,098		—		—		—			1,354
Medicaid and other	1,255		19		—		51		—			1,325
Total premiums	39,452		6,456		—		51		—			45,959
Services revenue:
Provider	—		23		1,254		—		—			1,277
ASO and other	39		740		—		9		—			788
Pharmacy	—		—		99		—		—			99
Total services revenue	39		763		1,353		9		—			2,164
Total revenues—external customers	39,491		7,219		1,353		60		—			48,123
Intersegment revenues
Services	—		78		15,098		—		(15,176		)	—
Products	—		—		3,749		—		(3,749		)	—
Total intersegment revenues	—		78		18,847		—		(18,925		)	—
Investment income	97		23		—		60		197			377
Total revenues	39,588		7,320		20,200		120		(18,728		)	48,500
Operating expenses:
Benefits	33,508		5,130		—		102		(574		)	38,166
Operating costs	4,576		1,936		19,307		17		(18,197		)	7,639
Depreciation and amortization	165		103		155		—		(90		)	333
Total operating expenses	38,249		7,169		19,462		119		(18,861		)	46,138
Income from operations	1,339		151		738		1		133			2,362
Interest expense	—		—		—		—		192			192
Income (loss) before income taxes	$	1,339	$	151	$	738	$	1	$	(59	)	$	2,170



	Retail		Group		Healthcare Services		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2013
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	22,481	$	—	$	—	$	—		$	—		$	22,481
Group Medicare Advantage	4,710		—		—		—			—			4,710
Medicare stand-alone PDP	3,033		—		—		—			—			3,033
Total Medicare	30,224		—		—		—			—			30,224
Fully-insured	1,160		5,117		—		—			—			6,277
Specialty	210		1,095		—		—			—			1,305
Medicaid and other	328		25		—		670			—			1,023
Total premiums	31,922		6,237		—		670			—			38,829
Services revenue:
Provider	—		21		1,291		—			—			1,312
ASO and other	18		714		—		6			—			738
Pharmacy	—		—		59		—			—			59
Total services revenue	18		735		1,350		6			—			2,109
Total revenues—external customers	31,940		6,972		1,350		676			—			40,938
Intersegment revenues
Services	—		51		11,890		—			(11,941		)	—
Products	—		—		2,803		—			(2,803		)	—
Total intersegment revenues	—		51		14,693		—			(14,744		)	—
Investment income	92		24		—		59			200			375
Total revenues	32,032		7,047		16,043		735			(14,544		)	41,313
Operating expenses:
Benefits	27,164		4,847		—		962			(409		)	32,564
Operating costs	3,232		1,860		15,372		56			(14,165		)	6,355
Depreciation and amortization	146		100		151		6			(70		)	333
Total operating expenses	30,542		6,807		15,523		1,024			(14,644		)	39,252
Income (loss) from operations	1,490		240		520		(289		)	100			2,061
Interest expense	—		—		—		—			140			140
Income (loss) before income taxes	$	1,490	$	240	$	520	$	(289	)	$	(40	)	$	1,921