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Same bed with varied rates... Healthcare cost conversations often start in the wrong place.   The question isn’t whether organizations are overpaying. Most carriers, TPAs, and employers already know they are. The real issue is where  that overpayment is occurring—and whether anyone has the visibility to see it early enough to matter.   Across the healthcare and claims ecosystem, cost inflation is rarely driven by a single dramatic line item. Instead, it accumulates quietly ac

What’s happening According to Segal’s 2025 National Medical Stop-Loss dataset, average stop-loss premiums jumped ~9.7% year over year...