Healthcare

Industry Perspective  ·  7 min read

Healthcare Insurance AI: MLR Is a Timing Problem, Not a Cost Problem

Health plans have spent years treating the medical loss ratio as a cost management challenge — managing utilisation, tightening authorisations, negotiating provider rates. The plans that are actually moving their MLR with AI are doing something different. They are compressing the time between a detectable signal and a clinical intervention. That is a fundamentally different problem, and it requires a fundamentally different AI strategy.