Employer plans are facing complications including hefty pharmacy and hospital bills and patients who need a lot of expensive care, the rating agency says.

Consumers are using AI to find information when they first feel sick, consulting it to prepare for visits with their clinicians and using it to better comprehend patient instructions and recommendations.

Is 'adaptive foresight' the skill of 2026? It's the ability to anticipate change, spot patterns early and act decisively before disruption.

Empowering an organization's people, this expert writes, will be a critical step to capturing the ROI from AI investments this coming year.