Most health insurance brokers rely on reactive cost-containment strategies.

They wait for a catastrophic claim to hit and then scramble to manage it through cheaper drug sourcing or traditional case management. But looking in the rearview mirror won’t solve the reality of 20% stop-loss increases. To win in a brutal renewal market, brokers must shift from managing claims after the fact to avoiding them entirely.

My guest, Ryan Chapman, VP of Sales at HealthCare Strategies, joins me to share the predictive care playbook. We discuss how AI algorithms can identify emerging health risks, like missed screenings and trending A1C levels, years before a member ever reaches the hospital. We break down how to position predictive intervention to self-funded employers, the strategy behind running low-risk pilot programs, and why stop-loss carriers are actively rewarding this proactive approach.

This is the blueprint for delivering long-term savings and proving your value before you ever win the Agent of Record.

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