markets. But KP's unique integrated operating structure sets it apart from its national insurer competitors, particularly as COVID 19 has challenged hospitals and clinicsÕ ability to function. The nation's largest integrated health insurer entered 2020 with new executive leadership and an expansion agenda, including plans to open new facilities to support its growing membership base and operating territory in adjacent markets. But the company saw declines in its individual health exchange membership as competitors offered lower-priced plans, and the COVID-19 downturn has depleted its commercial membership, while boosting its Medicaid enrollment to 900,000.

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