Rising MLR

Dave Goff 9/8/25 Dave Goff 9/8/25

Rising MLR

medical costs outpacing premium revenue

Dave Goff 9/8/25 Dave Goff 9/8/25

Flat membership

stagnant acquisition or retention trends

Dave Goff 9/8/25 Dave Goff 9/8/25

Marketing inefficiency

loyalty eroding as members churn to competitors

Dave Goff 9/8/25 Dave Goff 9/8/25

Member attrition

loyalty eroding as members churn to competitors

Dave Goff 9/8/25 Dave Goff 9/8/25

Leadership misalignment

executives pulling in different directions on growth priorities

Dave Goff 9/6/25 Dave Goff 9/6/25

Patient flow

new patient acquisition or referrals slowing down

Dave Goff 9/6/25 Dave Goff 9/6/25

Spend efficiency

new patient acquisition or referrals slowing down

Dave Goff 9/6/25 Dave Goff 9/6/25

Margin leakage

new patient acquisition or referrals slowing down

Dave Goff 9/6/25 Dave Goff 9/6/25

Transformation gaps

new patient acquisition or referrals slowing down

Dave Goff 9/6/25 Dave Goff 9/6/25

Leadership friction

new patient acquisition or referrals slowing down