About This Briefing

This briefing will look at the industry’s response to negative pressures from higher utilization, medical and pharmacy costs, increased morbidity and regulatory challenges.

After several years of strong earnings and steady enrollment growth, operating trends turned unfavorable in late 2024 and continued through 2025. Initiatives taken by insurers to improve operating performance will drive improvement, but top line and enrollment will suffer.

AM Best’s health analytical team will discuss how these factors may affect the industry and ratings, as well as how the industry is responding.

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