In his latest article, Luigi Pavia, Ecosystem Engagement & Partnerships at Frontiers Health, explores how health insurance is rapidly transforming from a reimbursement utility into a true engine of health innovation. 

Payers are becoming the central coordination layer for care, leveraging AI, actuarial pricing, value-based contracting, and modernized claims processes to reshape not only costs but the overall architecture of healthcare. 

The analysis highlights a market where investment remains stable but highly selective, with capital flowing primarily toward AI-driven insurtech models that modernize underwriting, claims, and employer benefit distribution. It also points to strong momentum across the U.S. and Europe, where a new generation of digital health insurers and benefits platforms is reshaping coverage models, member experience, and operational efficiency. 

Discover more in the full article here.