Making it simple: We make it easier for the people we serve to get the care they need. In 2020 and 2019, revenues from this contract were significant to the segment. Revenues: Fees and Premiums•ASO. Multistate employers with 5,000 or more U.S.-based, full-time employees. Employers generally with 2-50 eligible employees. Third-party administrators compete with us for ASO business.•Start-ups. Most contracts permit rate changes at least annually. In addition, aspects of our business are subject to indirect regulation. CMS evaluates Medicare Advantage plans and Part D plans under its "Star Rating" system. Certain of our contracts are currently subject to RADV audits by CMS and the HHS-OIG. We are not responsible for such calculations, reports or payments. Clients can easily move between our competitors and us. Each of these events could negatively impact our financial results. Our information technology strategy and execution are critical to our continued success. In some cases, substantial noneconomic or punitive damages may be sought. We currently have unfunded obligations in our frozen pension plans. The total indebtedness of Cigna was approximately $32.9 billion as of December 31, 2020.