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BENEFITS PAYABLE (Tables)
 12 Months Ended
Dec. 31, 2016
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]  
Activity in Benefits Payable
On a consolidated basis, activity in benefits payable, excluding military services, was as follows for the years ended December 31, 2016, 2015 and 2014:
 
 
2016
 
2015
 
2014
 
 
(in millions)
Balances at January 1
 
$
4,976

 
$
4,475

 
$
3,893

Less: Premium deficiency reserve
 
(176
)
 
—

 
—

Less: Reinsurance recoverables
 
(85
)
 
(78
)
 
—

Balances at January 1, net
 
4,715

 
4,397

 
3,893

Incurred related to:
 
 
 
 
 
 
Current year
 
45,318

 
44,397

 
38,641

Prior years
 
(582
)
 
(236
)
 
(518
)
Total incurred
 
44,736

 
44,161

 
38,123

Paid related to:
 
 
 
 
 
 
Current year
 
(40,852
)
 
(39,802
)
 
(34,357
)
Prior years
 
(4,112
)
 
(4,041
)
 
(3,262
)
Total paid
 
(44,964
)
 
(43,843
)
 
(37,619
)
Premium deficiency reserve
 
—

 
176

 
—

Reinsurance recoverable
 
76

 
85

 
78

Balances at December 31
 
$
4,563

 
$
4,976

 
$
4,475


Activity in benefits payable for our Retail segment was as follows for the years ended December 31, 2016, 2015 and 2014:
 
 
2016
 
2015
 
2014
 
 
(in millions)
Balances at January 1
 
$
3,424

 
$
3,428

 
$
3,199

Less: Reinsurance recoverables
 
(85
)
 
(78
)
 
—

Balances at January 1, net
 
3,339

 
3,350

 
3,199

Incurred related to:
 
 
 
 
 
 
Current year
 
37,212

 
36,299

 
31,510

Prior years
 
(429
)
 
(248
)
 
(485
)
Total incurred
 
36,783

 
36,051

 
31,025

Paid related to:
 
 
 
 
 
 
Current year
 
(33,608
)
 
(33,050
)
 
(28,267
)
Prior years
 
(3,084
)
 
(3,012
)
 
(2,607
)
Total paid
 
(36,692
)
 
(36,062
)
 
(30,874
)
Reinsurance recoverable
 
76

 
85

 
78

Balances at December 31
 
$
3,506

 
$
3,424

 
$
3,428

Activity in benefits payable for our Group and Specialty segment, excluding military services, was as follows for the years ended December 31, 2016, 2015 and 2014:
 
 
2016
 
2015
 
2014
 
 
(in millions)
Balances at January 1
 
$
616

 
$
603

 
$
572

Less: Reinsurance recoverables
 
—

 
—

 
—

Balances at January 1, net
 
616

 
603

 
572

Incurred related to:
 
 
 
 
 
 
Current year
 
5,271

 
5,377

 
5,286

Prior years
 
(46
)
 
(7
)
 
(29
)
Total incurred
 
5,225

 
5,370

 
5,257

Paid related to:
 
 
 
 
 
 
Current year
 
(4,700
)
 
(4,774
)
 
(4,689
)
Prior years
 
(562
)
 
(583
)
 
(537
)
Total paid
 
(5,262
)
 
(5,357
)
 
(5,226
)
Balances at December 31
 
$
579

 
$
616

 
$
603

Activity in benefits payable for our Individual Commercial segment, was as follows for the years ended December 31, 2016, 2015 and 2014:
 
 
2016
 
2015
 
2014
 
 
(in millions)
Balances at January 1
 
$
917

 
$
424

 
$
101

Less:Premium deficiency reserve
 
(176
)
 
—

 
—

Balances at January 1, net
 
741

 
424

 
101

Incurred related to:
 
 
 
 
 
 
Current year
 
3,677

 
3,512

 
2,431

Prior years
 
(106
)
 
20

 
(3
)
Total incurred
 
3,571

 
3,532

 
2,428

Paid related to:
 
 
 
 
 
 
Current year
 
(3,409
)
 
(2,790
)
 
(2,009
)
Prior years
 
(449
)
 
(425
)
 
(96
)
Total paid
 
(3,858
)
 
(3,215
)
 
(2,105
)
Premium deficiency reserve
 
—

 
176

 
—

Balances at December 31
 
$
454

 
$
917

 
$
424
Schedule Of Favorable Medical Claims Reserve Development Related To Prior Fiscal Years By Segment
The table below details our favorable medical claims reserve development related to prior fiscal years by segment for 2016, 2015, and 2014.
 
Favorable Medical Claims Reserve
Development
 
2016
 
2015
 
2014
 
 
Retail Segment
$
(429
)
 
$
(248
)
 
$
(485
)
Group and Specialty Segment
(46
)
 
(7
)
 
(29
)
Individual Commercial Segment
(106
)
 
20

 
(3
)
Other Businesses
(1
)
 
(1
)
 
(1
)
Total
$
(582
)
 
$
(236
)
 
$
(518
)
Benefit Expenses Excluded From Activity in Benefits Payable
Benefits expense excluded from the previous table was as follows for the years ended December 31, 2016, 2015 and 2014:
 
 
2016
 
2015
 
2014
 
 
(in millions)
Premium deficiency reserve for short-duration policies
 
$
(176
)
 
$
176

 
$
—

Military services
 
8

 
12

 
11

Future policy benefits
 
439

 
(80
)
 
32

Total
 
$
271

 
$
108

 
$
43
Schedule Of Benefits Expense
The following tables provide information about incurred and paid claims development for the Individual Commercial segment as of December 31, 2016, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2014
Unaudited
 
2015
Unaudited
 
2016


(in millions)
2014
 
$
2,431

 
$
2,450

 
$
2,445

2015
 
 
 
3,512

 
3,412

2016
 
 
 
 
 
3,677

 Total
 
 
 
 
 
$
9,534



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2014
Unaudited

2015
Unaudited

2016


(in millions)
2014

$
2,009

 
$
2,431

 
$
2,447

2015

 
 
2,790

 
3,224

2016

 
 
 
 
3,409

Total

 
 
 
 
$
9,080

All outstanding benefit liabilities before 2014, net of reinsurance

N/A
Benefits payable, net of reinsurance

$
454












Reconciliation to Consolidated
The reconciliation of the net incurred and paid claims development tables to benefits payable in the consolidated statement of financial position is as follows:    
 
December 31, 2016
Net outstanding liabilities
 
Retail
$
3,430

Group and Specialty
579

Individual Commercial
454

Other insurance lines
24

    Benefits payable, net of reinsurance
4,487

Reinsurance recoverable on unpaid claims
 
Retail
76

     Total reinsurance recoverable on unpaid claims
76

     Total benefits payable, gross
$
4,563

The following tables provide information about incurred and paid claims development for the Retail segment as of December 31, 2016, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2014
Unaudited
 
2015
Unaudited
 
2016


(in millions)
2014
 
$
31,510

 
$
31,294

 
$
31,248

2015
 
—

 
36,299

 
35,928

2016
 
—

 
—

 
37,212

 Total
 
 
 
 
 
$
104,388



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2014
Unaudited

2015
Unaudited

2016


(in millions)
2014

$
28,267


$
31,218


$
31,238

2015



33,050


36,112

2016





33,608

 Total





$
100,958

All outstanding benefit liabilities before 2014, net of reinsurance

N/A

Benefits payable, net of reinsurance

$
3,430

The following tables provide information about incurred and paid claims development for the Group and Specialty segment as of December 31, 2016, net of reinsurance.
 
 
Incurred Claims, Net of Reinsurance
 
 
For the Years Ended December 31,
Claims Incurred Year
 
2014
Unaudited
 
2015
Unaudited
 
2016


(in millions)
2014
 
$
5,286

 
$
5,274

 
$
5,274

2015
 
—

 
5,377

 
5,333

2016
 
—

 
—

 
5,271

 Total
 
 
 
 
 
$
15,878



Cumulative Paid Claims, Net of Reinsurance


For the Years Ended December 31,
Claims Incurred Year

2014
Unaudited

2015
Unaudited

2016


(in millions)
2014

$
4,689


$
5,261


$
5,272

2015



4,774


5,327

2016





4,700

Total






$
15,299

All outstanding benefit liabilities before 2014, net of reinsurance

N/A

Benefits payable, net of reinsurance

$
579