AI Governance for Workers’ Compensation and Auto Insurers in 2027
Throughout 2026, lawmakers and insurance regulators have increasingly turned their attention to how artificial intelligence (AI) is governed, particularly with decisions affecting consumers. Many proposed AI bills failed to advance this year, but the volume of legislative and regulatory activity sends a clear signal that regulators expect insurers to understand, oversee, and remain accountable for AI-supported activities.
Abusive Pricing and Opportunistic Categories
Pharmaceutical products classified as "opportunistic" exploit pricing gaps and regulatory variability to drive disproportionate costs with little-to-no added clinical value. While opportunistic products represent a small fraction of overall prescription volume, their financial impact is significant. This trends analysis identifies where clinical and cost interventions can have the greatest impact.
Opioid Prescribing Trends
This section of our drug trends analysis takes a closer look at the current state of opioid utilization and spend across in-network and out-of-network channels. While the overall trajectory is favorable, the data also reveals areas of concern that warrant continued vigilance and targeted intervention.
For Consultants: Ten Ways We Help Your Clients Catch Risk Before Costs Escalate
Claims risk intelligence helps leaders spot emerging issues sooner. See 10 ways Enlyte connects claim data to support earlier, more informed intervention.
The State of Pharmacy Trends in Workers' Comp and Auto Casualty
Discover the latest pharmacy trends impacting workers’ compensation and auto casualty, from rising drug costs to emerging challenges. Register for our webinar to gain expert insights and actionable strategies.
Provider Self-Help Tools Promote Stronger Provider Engagement and Network Performance
Provider support has value beyond administrative convenience. Learn how Enlyte’s digital tools help maintain reliable provider information, support participation, and preserve network access for clients.
Topical Medication Trends
Examining utilization and spend across in-network and out-of-network channels captures the full scope of topical prescribing patterns. While in-network data reflects the effectiveness of clinical controls, out-of-network topical trends expose significant factors that complicate cost containment. Together, these perspectives reveal where topical spend is concentrated, and where intervention can deliver meaningful savings.
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