NEWS

Key Takeaways: Market impact —One in four marketplace enrollees will probably drop coverage if enhanced subsidies expire, threatening a 114% average premium increase for 22 million Americans. Risk pool degradation —Insurers expect adverse selection as healthier, younger members disengage first, driving premiums 4-7% higher than underlying cost trends alone. Agent opportunity —Coverage churn creates both challenges and opportunities for agents who can guide clients through pla

Key Takeaways: Patient accounts receivable at major nonprofit health systems have surged by 5% to 25% from late 2024 to September 2025 Health care providers now face denial rates exceeding 40%, with claims lingering beyond 90 days at unprecedented levels High-deductible health plans now cover over 51% of private industry workers, shifting payment burden directly to patients For-profit health systems demonstrate stronger accounts receivable management through automation and ar

What if the sector facing the most regulatory scrutiny and policy uncertainty just delivered the strongest quarterly performance in over four years? That's exactly what happened in Q3 2025 when health care companies topped all other S&P 500 industries in earnings beats. For insurance carriers, agents, and marketers operating in this space, understanding the forces behind this outperformance is essential for strategic planning, client conversations, and market positioning. Key