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- Insurance News Digest 9-22-2025
Insurance News Digest 9-22-2025
Rising healthcare costs, expiring ACA subsidies, and chronic disease burdens are converging to reshape the affordability and accessibility of U.S. health coverage.
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We deliver the latest insights and developments shaping insurance, focused on insights and opportunities for those who serve the insurance industry. Stay informed on how emerging trends like current events, regulatory changes, AI, and innovative products can help you better serve your clients and partners and drive business growth.
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Property insurance premiums rose to record levels in the first half of 2025, driven by climate disasters. Los Angeles saw a ~9% spike, while disaster‑hit states like the Carolinas also experienced steep increases.
Since 2021, the U.S. has seen the highest number of assassination attempts on politicians in decades, according to a Bloomberg/Violence Project report. The rise is strongly linked to increased political polarization.
The growing deployment of robotaxi services is reshaping how risks are allocated across hardware, software, and operations layers. For insurers, the opportunity lies mostly in commercial coverage, with personal auto insurance likely becoming less relevant as robotaxi adoption rises.
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Lloyd’s reinsurance posted strong underwriting profits (~£1.7B in 2024) with an 88% combined ratio, but faces serious risk from California wildfires that could eat up much of its catastrophe budget in 2025.
Net written premiums for U.S. property/casualty insurers in H1 2025 increased, though estimates vary: ~1.9% (Verisk/APCIA) up to ~6% (AM Best). Combined ratios remain below breakeven, indicating modest underwriting profitability.
Life insurers are falling behind P&C carriers in claims digitization, especially in speed, automation, and customer expectations. The article outlines lessons in automation, data integration, and empathy to help modernize life claims operations while preserving trust.
AI is freeing call center agents from tedious tasks like navigating menus or writing notes, giving them real-time customer profiles to better serve callers. The shift is not removing humans, but elevating their role for more complex issues.
According to Marsh, companies that not only deploy but fully maintain tools like endpoint detection, multi-factor authentication, and robust incident response plans see notably fewer cyber breaches. The strength is less about having controls, more about how well they are implemented.
Leaders in insurance are urging reauthorization of the federal terrorism backstop (TRIA), citing its importance for stability in insuring catastrophic or unconventional threats like NBCR (nuclear, biological, chemical, radiological). Delay or lapse in the program could weaken capacity and raise costs or reduce coverage availability.
Adjusters under pressure, stretched thin, and with high emotional demands are leaving carriers exposed to losses, compliance mistakes, talent drain, and poor customer outcomes. The piece argues burnout should be treated as a financial and operational risk, not just a human resources issue.
Focus Of The Week: Healthcare Insurance - As employers, states, and federal policymakers grapple with budget pressures and care gaps, insurance-adjacent professionals should watch for ripple effects across benefits, regulation, and risk strategy.
If Congress does not renew the expanded ACA tax credits by end of 2025, many Americans will lose affordability, with possible premium hikes up to ~50 percent in some states. The lapse would hit middle‑income earners and small business owners especially hard.
Aon forecasts nearly double‑digit growth in healthcare costs for U.S. employers in 2026, pushing average employer‑sponsored plan costs above $17,000 per employee. Rising medical inflation and usage are major drivers for the increase.
The NAIC is raising alarms that without extension of enhanced ACA tax credits, health insurance markets will face instability and unaffordability, possibly leaving millions uninsured. Authorities warn premiums and coverage losses will be significant.
A new global study shows chronic disease deaths are increasing in low‑ and middle‑income countries, underscoring gaps in prevention, care access, and public health infrastructure. The trend may also suggest long‑term cost pressures ahead for global and U.S. health insurers.
Policymakers are debating whether to extend or modify telehealth coverage under Medicare as deadlines approach, reflecting tensions over cost, access, and oversight. Aging populations and rural access advocates argue extension is essential to maintain care continuity.
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