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  "documentTitle": "Healthcare Payer Service Providers, 2024",
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  "notes": "The chart shows a downward trend in margins over the last decade, supporting the argument that AI alone is insufficient for market attractiveness.",
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      "text": "72% of all US lives are underwritten by either the government or self-insured employers. Underwriting service line continues to decline. Provider networks are commodities. Payers are acquiring businesses to build vertically integrated businesses. No evidence vertical integration improves financial story. As populations age, medical costs increase.",
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      "text": "Source: NAIC, HFS Research, 2024",
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