Executive Summary: The Gaps That Do Not Have a Series

ADJ.PRE — Adjacent

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The LFP main series documents how the small group health benefits architecture works. The TOS collection tests whether it works. This series asks the prior question: who was left out of the design conversation entirely, and who is inside the design but poorly served in ways the employer can actually change.

The first silence is structural. Eight populations exist at the boundary of the employment relationship the architecture was built around, and the architecture does not reach them. The second silence is different. Six populations are nominally covered, legally eligible, and systematically underserved because the default plan design was written without them in mind. For each of the six, the self-funded employer controls a lever. This series names the levers.