Finding Stability in an Unsteady Market

The Rising Tide of Healthcare Costs

This year’s SIIA conference made one theme impossible to ignore: the growing pressure of healthcare costs. Infusions, GLP-1s, gene therapies, and chronic care treatments are driving up loss ratios across all group sizes. Even “healthy” plans are struggling to keep pace with inflation on the Rx and medical sides.

For brokers and TPAs, maintaining a leveled trend has never been more important. It’s the key to sustainable renewals, but the competitive quoting climate adds new risk. Undercutting rates to win business may look appealing in the short term, yet it often leads to renewal shock and eroded trust over time.

Cost Containment Innovation or Just Noise

AI once again dominated this year’s exhibit hall, promising to change how cost containment is managed. Predictive modeling, automation, and data-driven underwriting are powerful tools, but even the best technology can’t fully outpace the accelerating cost of new drugs and procedures.

That doesn’t mean innovation isn’t valuable. It just needs to be practical. The most effective solutions coming out of SIIA weren’t the flashiest; they were the ones helping employers and stop-loss carriers adapt to today’s real cost pressures through:

• Transparent vendor partnerships
• Smarter chronic and specialty care management
• Data that informs action

In other words, innovation with intention.

The Power of Self-Funded Industry Partnership

One of the clearest messages from SIIA 2025 was that relationships still matter most. As brokers gain more influence and plan designs grow increasingly complex, collaboration among carriers, TPAs, and advisors is what drives real progress.

Conversations at the conference reinforced what RMTS already practices: strong partnerships, open communication, and shared accountability lead to better outcomes for everyone involved.

How RMTS is Leading in Risk Management

RMTS continues to focus on what this market needs most: discipline, transparency, and trust.

We don’t chase business with unsustainable pricing or rely on one-size-fits-all models. Instead, we:

• Quote based on each group’s specific data and claims experience
• Maintain open communication with every client and partner
• Build long-term stability through mutual respect and realistic underwriting

In an environment defined by uncertainty, these fundamentals create something rare: consistency. Because when the market gets noisy, it pays to have a partner who knows how to stay steady.