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HEALTH NET, INC.
INDEX TO FORM 10-K
Page
PART I.
Item 1—Business ....................................................................... 1
General ........................................................................... 1
Segment Information ................................................................ 1
Provider Relationships and Responsibilities .............................................. 9
Additional Information Concerning Our Business ......................................... 11
Government Regulation .............................................................. 14
Intellectual Property ................................................................ 17
Employees ........................................................................ 17
Recent and Other Developments and Other Company Information ............................ 17
Item 1A—Risk Factors .................................................................. 19
Item 1B—Unresolved Staff Comments ...................................................... 31
Item 2—Properties ...................................................................... 31
Item 3—Legal Proceedings ............................................................... 32
Item 4—Submission of Matters to a Vote of Security Holders .................................... 39
PART II.
Item 5—Market For Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of
Equity Securities ..................................................................... 40
Item 6—Selected Financial Data ........................................................... 42
Item 7—Management’s Discussion and Analysis of Financial Condition and Results of Operation ....... 43
Item 7A—Quantitative and Qualitative Disclosures About Market Risk ............................ 72
Item 8—Financial Statements and Supplementary Data ......................................... 74
Item 9—Changes in and Disagreements with Accountants on Accounting and Financial Disclosure ...... 74
Item 9A—Controls and Procedures ......................................................... 74
Item 9B—Other Information .............................................................. 77
PART III.
Item 10—Directors and Executive Officers of the Registrant .................................... 78
Item 11—Executive Compensation ......................................................... 78
Item 12—Security Ownership of Certain Beneficial Owners and Management and Related Stockholder
Matters ............................................................................. 78
Item 13—Certain Relationships and Related Transactions ....................................... 78
Item 14—Principal Accountant Fees and Services ............................................. 78
PART IV.
Item 15—Exhibits and Financial Statement Schedules .......................................... 79
SIGNATURES ........................................................................ 86
Index to Consolidated Financial Statements .................................................. F-1
Report of Independent Registered Public Accounting Firm ...................................... F-2
Supplemental Schedules ................................................................. F-51
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