Merit Medicine Learning Center

White Paper: Using AI-Led Predictive Analytics to Improve Underwriting Outcomes

A Retrospective Case Study on Improving Risk Selection, Pricing Discipline, and Capital Efficiency Across Risk-Bearing Health Insurance Portfolios Applicable to stop-loss carriers, MGUs, primary carriers, and reinsurance partners Authored by Merit Medicine, Inc. | February 2026 Validated By: Joshua W. Axene FSA, FCA, MAAA (Axene Health Partners) Executive Summary Group health underwriting, including stop loss, level funding, captive, and excess of loss reinsurance, remains one of the most...

The Illusion of Last Year’s Data

In the October 2025 issue of The Self-Insurer , Bruce Shutan’s article, “ Fielding Catastrophic Curveballs” , spotlights a reality the...

When Averages Fail: Commentary on The Self-Insurer’s August Issue

In the August edition of The Self-Insurer, Bruce Shutan published “Reinforcing the Crystal Ball of Care,” pulling together perspectives...

From Verikai to Merit Predict: The Next Chapter in Predictive Analytics

When we heard the news that Verikai would be leaving the market, we knew it would leave a gap for many who had come to rely on their...