Billions Saved by AI, Zero Benefit to You — Here's Why
Health insurers are investing billions in AI, claiming massive efficiency and fraud detection gains—so why are your premiums still increasing? In this episode, Dan McCoy breaks down the real story behind AI in healthcare administration, where the savings actually go, and what employers can do to fight back. If you’re an HR leader, benefits professional, or employer, this analysis will help you better navigate today’s healthcare landscape.
Chapters
00:00 — AI Investments & Rising Premiums
00:32 — Digging Into Administrative Costs
01:29 — Real ROI and Fraud Detection
01:52 — Who Captures the Savings?
02:45 — The Margin Improvement Game
03:54 — The Bot vs Bot Arms Race
05:07 — Carrier Margins & Employer Negotiation
05:40 — Self-Insurance & Claims Auditing
07:00 — Direct Contracting Success & Takeaways
07:31 — How Employers Can Recapture Savings
To learn more and get additional analysis, visit my Substack: https://danmccoymd.substack.com/