Executive Summary: This Series Is About Employment, Not Technology: What AI Changes About Who Gets Covered

LFP-12.PRE — The AI Disruption

#

Series 12 is not about what AI does inside the healthcare system. It is about what AI does to the employment relationships that make the healthcare system possible. The employer-sponsored insurance model rests on three conditions: workers employed by a single employer, enough workers to form a viable risk pool, and an employment relationship stable enough to anchor an annual plan year. AI is restructuring each of those conditions. A technology story produces an efficiency problem, addressable through operational improvement. A labor market story produces a structural problem, addressable only through new product categories or regulatory frameworks that do not yet exist at scale. This series is the labor market story.