Medical trend remains the defining challenge for health insurers and benefits providers. This panel explores how technology is being used to manage utilization, identify cost drivers, and influence member behavior. From predictive modeling and claims analytics to digital care navigation and provider performance transparency, speakers will discuss where measurable impact is being achieved. How can insurers move from reactive claims payment to proactive cost management? And how are employers demanding greater cost accountability? The discussion focuses on actionable levers insurers are using to address rising health costs.