Our segment results were as follows for the years ended December 31, 2016, 2015, and 2014:



	Retail		Group and Specialty		Healthcare Services		Individual Commercial			Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2016
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	31,863	$	—	$	—	$	—		$	—		$	—		$	31,863
Group Medicare Advantage	4,283		—		—		—			—			—			4,283
Medicare stand-alone PDP	4,009		—		—		—			—			—			4,009
Total Medicare	40,155		—		—		—			—			—			40,155
Fully-insured	428		5,405		—		3,064			—			—			8,897
Specialty	—		1,279		—		—			—			—			1,279
Medicaid and other	2,640		12		—		—			38			—			2,690
Total premiums	43,223		6,696		—		3,064			38			—			53,021
Services revenue:
Provider	—		—		278		—			—			—			278
ASO and other	6		643		1		—			10			—			660
Pharmacy	—		—		31		—			—			—			31
Total services revenue	6		643		310		—			10			—			969
Total revenues—external customers	43,229		7,339		310		3,064			48			—			53,990
Intersegment revenues
Services	—		22		18,979		—			—			(19,001		)	—
Products	—		—		5,993		—			—			(5,993		)	—
Total intersegment revenues	—		22		24,972		—			—			(24,994		)	—
Investment income	90		25		30		5			66			173			389
Total revenues	43,319		7,386		25,312		3,069			114			(24,821		)	54,379
Operating expenses:
Benefits	36,783		5,233		—		3,301			617			(927		)	45,007
Operating costs	4,650		1,727		24,073		601			16			(23,790		)	7,277
Depreciation and amortization	196		82		143		36			1			(104		)	354
Total operating expenses	41,629		7,042		24,216		3,938			634			(24,821		)	52,638
Income (loss) from operations	1,690		344		1,096		(869		)	(520		)	—			1,741
Interest expense	—		—		—		—			—			189			189
Income (loss) before income taxes	$	1,690	$	344	$	1,096	$	(869	)	$	(520	)	$	(189	)	$	1,552

Premium and services revenues derived from our contracts with the federal government, as a percentage of our total premium and services revenues, was approximately 75% for 2016, compared to 73% for 2015, and 73% for 2014.

Premiums revenue for our Retail segment for 2016 includes a reduction of $583 million associated with the write-off of commercial risk corridor receivables as discussed more fully in Note 7.

Benefits expense for Other Businesses for 2016 includes $505 million for reserve strengthening associated with our closed block of long-term care insurance policies as discussed more fully in Note 18.



	Retail		Group and Specialty		Healthcare Services		Individual Commercial			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	304		5,493		—		3,939			—		—			9,736
Specialty	—		1,316		—		—			—		—			1,316
Medicaid and other	2,341		21		—		—			35		—			2,397
Total premiums	41,605		6,830		—		3,939			35		—			52,409
Services revenue:
Provider	—		—		695		—			—		—			695
ASO and other	8		658		1		—			14		—			681
Pharmacy	—		—		30		—			—		—			30
Total services revenue	8		658		726		—			14		—			1,406
Total revenues—external customers	41,613		7,488		726		3,939			49		—			53,815
Intersegment revenues
Services	—		20		18,127		—			—		(18,147		)	—
Products	—		—		4,923		—			—		(4,923		)	—
Total intersegment revenues	—		20		23,050		—			—		(23,070		)	—
Investment income	122		34		—		4			76		238			474
Total revenues	41,735		7,542		23,776		3,943			125		(22,832		)	54,289
Operating expenses:
Benefits	36,052		5,382		—		3,589			87		(841		)	44,269
Operating costs	4,267		1,755		22,598		756			14		(22,072		)	7,318
Depreciation and amortization	157		84		156		31			—		(73		)	355
Total operating expenses	40,476		7,221		22,754		4,376			101		(22,986		)	51,942
Income from operations	1,259		321		1,022		(433		)	24		154			2,347
Gain on sale of business	—		—		—		—			—		270			270
Interest expense	—		—		—		—			—		186			186
Income before income taxes	$	1,259	$	321	$	1,022	$	(433	)	$	24	$	238		$	2,431

Benefits expense for the Individual Commercial 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 and Specialty		Healthcare Services		Individual Commercial			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	246		5,339		—		3,019			—		—			8,604
Specialty	—		1,354		—		—			—		—			1,354
Medicaid and other	1,255		19		—		—			51		—			1,325
Total premiums	36,177		6,712		—		3,019			51		—			45,959
Services revenue:
Provider	—		—		1,277		—			—		—			1,277
ASO and other	37		741		1		—			9		—			788
Pharmacy	—		—		99		—			—		—			99
Total services revenue	37		741		1,377		—			9		—			2,164
Total revenues—external customers	36,214		7,453		1,377		3,019			60		—			48,123
Intersegment revenues
Services	—		18		15,227		—			—		(15,245		)	—
Products	—		—		3,749		—			—		(3,749		)	—
Total intersegment revenues	—		18		18,976		—			—		(18,994		)	—
Investment income	89		30		—		1			60		197			377
Total revenues	36,303		7,501		20,353		3,020			120		(18,797		)	48,500
Operating expenses:
Benefits	31,025		5,269		—		2,398			102		(628		)	38,166
Operating costs	3,843		1,930		19,414		647			17		(18,212		)	7,639
Depreciation and amortization	138		94		168		23			—		(90		)	333
Total operating expenses	35,006		7,293		19,582		3,068			119		(18,930		)	46,138
Income from operations	1,297		208		771		(48		)	1		133			2,362
Interest expense	—		—		—		—			—		192			192
Income (loss) before income taxes	$	1,297	$	208	$	771	$	(48	)	$	1	$	(59	)	$	2,170