Medical inflation is reshaping the insurance landscape, fueling higher claims costs and creating new challenges across multiple lines. Examine the system-wide cost drivers, including specialty drugs, diagnostic escalation, and facility fees, as well as the role of litigation, surprise billing, and AI-driven coding. Understand the ripple effects on claim severity, settlement values, and coverage adequacy. With practical examples and industry insights, you will discover how insurers and professionals are adapting through claims triage, utilization review, and client education to better manage today’s complex cost environment.