Thirteen state insurance departments issued bulletins governing aerial and satellite imagery AI in homeowners underwriting. Mapping the cosmetic-vs-structural standard and dispute requirements.
CMS-2449-P proposes payment rate limits on $144.6B in Medicaid state-directed payments, forcing certifying actuaries to segregate SDP pass-throughs from risk-based capitation under 42 CFR 438.4.
By Beth · 9 min
Everest Group ranked 38 vendors across the $16-18B P&C tech ecosystem. With 58% of AI use cases in claims and 46% in underwriting, decision intelligence defines vendor differentiation.
By Shruti · 13 min
The CAA 2026 mandates 100% PBM rebate passthrough with $10,000/day ERISA penalties by 2029. How federal enforcement and NAIC examination reshape health plan drug cost assumptions.
By Beth · 14 min
S&P Schedule P data shows medical professional liability exceeded 105% combined ratio in 2025 for the fifth time in eight years. LDF and ILF recalibration under non-stationary severity.
By Sarah · 10 min
Nine obesity drugs targeting FDA approval by 2027 could break the GLP-1 duopoly. Actuarial framework for bifurcated trend scenarios as Morningstar projects 28% price declines.
By Beth · 14 min
MS Amlin finds supershear earthquakes caused 66% of insured earthquake losses since 2016, an estimated $13.2B absent from cat models. Loss increases reach 30-60% at the 500-year return period.
By Sarah · 14 min
Akur8's three acquisitions in 15 months create an actuarial AI platform spanning pricing, reserving, and filings intelligence. Build-vs-buy analysis for mid-market P&C carriers.
By Shruti · 14 min
“CMS-2449-P proposes payment rate limits on $144.6B in Medicaid state-directed payments, forcing certifying actuaries to segregate SDP pass-throughs from risk-based capitation under 42 CFR 438.4.— Beth, in today's edition
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