Health insurers and benefits providers face rising medical inflation, utilization shifts, and increasing employer expectations. At the same time, digital health, predictive analytics, and value-based models are reshaping cost structures. This opening session examines where technology is genuinely influencing health insurance economics today. How are insurers gaining better visibility into claims cost drivers? How is predictive modeling influencing underwriting and pricing? And where are digital health integrations delivering measurable financial impact? This session frames the day around insurance economics, not provider hype.