Our segment results were as follows for the years ended December 31, 2017, 2016, and 2015:



	Retail		Group and Specialty		Healthcare Services		Individual Commercial		Other Businesses			Eliminations/ Corporate			Consolidated
	(in millions)
2017
Revenues—external customers
Premiums:
Individual Medicare Advantage	$	32,720	$	—	$	—	$	—	$	—		$	—		$	32,720
Group Medicare Advantage	5,155		—		—		—		—			—			5,155
Medicare stand-alone PDP	3,702		—		—		—		—			—			3,702
Total Medicare	41,577		—		—		—		—			—			41,577
Fully-insured	478		5,462		—		947		—			—			6,887
Specialty	—		1,310		—		—		—			—			1,310
Medicaid and other	2,571		—		—		—		35			—			2,606
Total premiums	44,626		6,772		—		947		35			—			52,380
Services revenue:
Provider	—		—		258		—		—			—			258
ASO and other	10		626		—		—		8			—			644
Pharmacy	—		—		80		—		—			—			80
Total services revenue	10		626		338		—		8			—			982
Total revenues—external customers	44,636		7,398		338		947		43			—			53,362
Intersegment revenues
Services	—		20		17,293		—		—			(17,313		)	—
Products	—		—		6,292		—		—			(6,292		)	—
Total intersegment revenues	—		20		23,585		—		—			(23,605		)	—
Investment income	90		31		35		4		87			158			405
Total revenues	44,726		7,449		23,958		951		130			(23,447		)	53,767
Operating expenses:
Benefits	38,218		5,363		—		544		131			(760		)	43,496
Operating costs	4,292		1,590		22,848		201		12			(22,376		)	6,567
Merger termination fee and related costs, net	—		—		—		—		—			(936		)	(936		)
Depreciation and amortization	238		84		143		13		—			(100		)	378
Total operating expenses	42,748		7,037		22,991		758		143			(24,172		)	49,505
Income (loss) from operations	1,978		412		967		193		(13		)	725			4,262
Interest expense	—		—		—		—		—			242			242
Income (loss) before income taxes	$	1,978	$	412	$	967	$	193	$	(13	)	$	483		$	4,020

Premium and services revenues derived from our contracts with the federal government, as a percentage of our total premium and services revenues, was approximately 79% for 2017, compared to 75% for 2016, and 73% for 2015.



	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			(23,894		)	7,173
Merger termination fee and related costs, net	—		—		—		—			—			104			104
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

Premiums revenue for our Individual Commercial 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		(22,095		)	7,295
Merger termination fee and related costs, net	—		—		—		—			—		23			23
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 (loss) from operations	1,259		321		1,022		(433		)	24		154			2,347
Gain on sale of business	—		—		—		—			—		270			270
Interest expense	—		—		—		—			—		186			186
Income (loss) before income taxes	$	1,259	$	321	$	1,022	$	(433	)	$	24	$	238		$	2,431