Blogs
Why ‘Lots of Pilots, Limited Production’ Is the AI Problem Killing Underwriting ROI
A recent industry report on AI adoption in insurance landed on a sentence that should be pinned to the wall of every technology team in the sector: ‘The pattern is consistent across carriers. Lots of pilots, limited production, minimal P&L…
Why PEOs Are the Most Underserved Segment in Group Health Automation
The group health insurance technology market has spent the last decade building better tools for carriers, MGUs, and TPAs. Underwriting automation, claims management, stop-loss pricing platforms — these segments are well-served…
The $25,000 Member Problem: How GLP-1 Coverage Is Reshaping Specific Deductible Calculations
Specific deductibles exist to protect self-funded employers from catastrophic individual claims. The actuarial logic is straightforward: most members have predictable costs; a few outliers generate extreme claims; specific stop-loss…
GLP-1 Drugs and Stop-Loss Pricing: What Every Underwriter Needs to Know in 2026
Twelve percent of Americans have now used a GLP-1 drug for weight loss. In 2024, that number was closer to five percent. The velocity of adoption is not slowing down. For stop-loss underwriters, this isn’t a trend to watch. It’s a live…
The 9% Problem: Why Group Health Underwriting Has the Worst Close Ratios in Insurance
Did you know that group health underwriting operates with one of the lowest close ratios in the entire insurance industry? Most teams know this instinctively. They feel it every renewal season, every time quote volumes spike,…
Why Integration Is the New Standard for PEO Success
In the Professional Employer Organization (PEO) world, growth used to be mostly about adding more employer groups, expanding services, and building strong carrier relationships. Operations were complex, but manageable. Teams relied…
Why “Waiting for Policy Clarity” Is Expensive?
In underwriting, waiting for policy clarity feels like the responsible thing to do. No one wants to move forward with incomplete information, unclear plan structures, or missing census details. So the file waits. The quote waits…
Underwriting Flexibility Without Breaking the Rules
Underwriters rarely see perfectly standardized employer groups. Even within the same MEWA program, two employers can look completely different on paper. One might have stable claims history and predictable participation, while another…
What the “Shuffle Rate” Means for Health Insurance Carriers
In every industry, market leadership shifts over time. But in the fully insured group medical space, those shifts aren’t just happening—they’re accelerating. Strategy researchers at firms like McKinsey use a concept called the “shuffle rate…
Underwriting Is No Longer Back Office — It’s Your Competitive Advantage
For decades, the underwriting department in fully insured group medical was tucked away. It was viewed as a technical necessity—a “gatekeeper” function that lived in the quiet corners of the home office. Necessary? Yes. Strategic? Rarely…