“From a risk management perspective, continuing to require three in-files and three scores on every borrower has long been an anachronism,” Broeksmit said
Rising health care costs, paired with minimal rate growth for Medicare Advantage plans, could accelerate insurer withdrawals from states and counties nationwide, potentially disrupting coverage options for millions of older Americans.
There’s a version of this market where “buying sales” becomes the default operating system for nearly everyone. When that happens, the question stops being whether incentives rise. They do. The real question becomes: who has the operational and balance-sheet self-control to decide where to lean in—and where to hold the line—even if it means slower […]