Matt Naylor sits down with Kevin Reid, SVP of Crumdale Specialty's Stop Loss & Sales Operations, to discuss the evolving stop loss insurance market and why employers need to think beyond price when designing self-funded health plans. Kevin reflects on his unique career journey across healthcare providers, insurance carriers, and brokerage firms, explaining how those experiences shaped his perspective on cost containment and plan design. Together, they explore the growing pressures facing the stop loss market, the importance of aligning incentives across employers, brokers, TPAs, and carriers, and how data, AI, and proactive claims management can reduce costs while improving outcomes. The conversation also highlights the leadership principles, partnerships, and long-term vision driving Crumdale's approach to transforming employer healthcare.