Cost Management Billing Practices Medical Costs UnitedHealthcare Insurance Providers Coverage Plans Managed Care Company Challenges Insurance Management Medicaid Programs AI in Healthcare U.S. Payments Insurance Costs Rate Changes Aetna Patient Care Healthcare Services Financial Performance Optum Market Performance Patient Care Costs Financial Outlook Company Performance Market Trends Fraud Investigation Beneficiaries Diagnosis Coding Operational Changes Pharmacy Services Membership Trends Enrollment Trends Cost Trends Insurance Brokers Star Ratings Cuts Sales Practices Insurance Industry Claims Management Aetna Performance Regulatory Changes