TPAC Underwriters Adopts Merit Predict for Stop-Loss Underwriting
TPAC Underwriters deploys Merit Predict, a predictive underwriting platform, for new business and renewals, enhancing clinical insight and risk analysis for medical stop-loss.
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MINNEAPOLIS and AUSTIN, Texas, Sept. 08, 2026 (GLOBE NEWSWIRE) — TPAC Underwriters, Inc., a managing general underwriter specializing in self-funded medical stop-loss, has deployed Merit Predict, Merit Medicine’s predictive underwriting platform, across its underwriting, clinical, and risk analysis functions.
TPAC is applying Merit Predict to both new business submissions and renewals. The platform converts a group’s census into member-level clinical and financial insight without requiring integration with a third-party administrator or the sharing of employer claims data. That gives TPAC’s underwriters, clinical staff, and risk analysts a shared view of the same population, at the point in the process where each of them is making a decision.
TPAC has been applying risk scoring technology across its operations for several years and evaluates new tools on an ongoing basis. The firm selected Merit Predict on the strength of the clinical detail it delivers at the member level.
“We have been using technology generated risk scores in our processes for several years now, and we are always looking for ways to get more out of what it can do. That drive to keep improving is what led us to Merit Predict. What set this tool apart was the depth and quality of the clinical information it puts in front of our teams, on new business and at renewal alike,” said Steve Rogers, Director of Underwriting at TPAC Underwriters.
“TPAC has built a reputation on transparency and on knowing what is actually inside a group. That is exactly where our clinical depth view earns its keep. It changes how an underwriter reads a submission, how a clinical team plans for the year ahead, and how a renewal gets priced when the prior year’s claims history looks calmer than the year in front of it,” said Ali Panjwani, Founder and Chief Executive Officer of Merit Medicine.
“For years, stop-loss underwriting has relied primarily on historical claims data. Today, advances in technology and analytics are helping us better understand future claim risk. Merit Predict gives our team deeper insight into the clinical factors driving claim costs, allowing us to make more informed underwriting and pricing decisions for our clients,” said John Nelson, President of TPAC Underwriters.
Merit Predict starts with a group’s census and matches it against Merit Medicine’s proprietary data network, drawing first-dollar medical and pharmacy claims at the member level. That produces a forward view of how a group is likely to perform over the next 12 months rather than a summary of what has already happened. Carriers and MGUs partnering with Merit Medicine have achieved double-digit improvements in medical loss ratios by utilizing these clinical insights to proactively manage upcoming risk instead of reacting to historical claims. To schedule a demonstration, visit www.meritmedicine.com.
About TPAC Underwriters
TPAC Underwriters, Inc. is a managing general underwriting firm based in Minneapolis, Minnesota, providing self-funded medical stop-loss solutions to employers through a national network of third-party administrators, brokers and fourth party disrupters. In business since 1991, TPAC offers traditional medical stop-loss along with Spaggregate, its level-funded stop-loss product. TPAC’s mission is to change the way healthcare is financed, disclosed, and delivered. For more information, visit tpac.com.
About Merit Medicine
Merit Medicine is a healthcare analytics company focused on delivering AI-led predictive insights that help carriers, captives, consultants, and employers better understand and manage group health risk. Merit Predict combines advanced AI, machine learning, and clinical intelligence to deliver actionable underwriting and risk selection insights before losses occur. For more information, visit www.meritmedicine.com.
Media Contact
Robin McGinnis, Head of Growth, Merit Medicine, Inc. robin.mcginnis@meritmedicine.com
