English 
Deerhold and Windsor Strategy Partners have launched PRIZM Impact, a new solution aimed at improving how stop-loss carriers and MGUs analyze networks and price risk. The core idea is simple. Underwriting accuracy depends heavily on discount assumptions, and those assumptions are often outdated or inconsistent. PRIZM Impact tries to fix that gap.
The solution combines Deerhold’s healthcare price transparency data with Windsor’s actuarial modeling. Together, they provide current discount factors for regional and national health insurance carriers, including major national players. The data looks at discounts from the first dollar and across a wide range of specific deductibles. It also models how discounts change based on claim size and service mix. That makes it easier to compare carrier networks across regions and understand the real financial impact when pricing aggregate and specific stop-loss coverage.
PRIZM Impact is built for underwriting teams working with self-funded employer groups. It fits into existing workflows rather than forcing new ones. Clients can access the insights through the Deerhold platform, as Excel files, or through API integrations with rating manuals or underwriting software.
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The launch builds on ディアホールド’s broader PRIZM platform, which already supports network evaluation, market pricing analysis, and transparency compliance. The focus here is clear. Better data. Better assumptions. Fewer underwriting blind spots.
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