Editing Openai/695d4253-5060-8005-95db-586e777927f4 (section)

==== - What to include: acquisition (commissions, underwriting, enrollment), maintenance (billing, customer service, claims ops), overhead/allocated corporate, regulatory/compliance, premium taxes/fees if treated as “expense load.” ====
* Cost behavior: separate fixed vs variable expenses (per contract, per member, per claim, % premium). Choose an expense basis consistent with how costs emerge.
* Allocation methodology: how overhead/shared services are allocated across products/segments; ensure consistency and avoid cross-subsidies that create anti-selection.
* Trending and efficiency: inflation, wage growth, vendor contracts, planned technology/process changes, scale effects.
* Volume and mix: expected enrollment/contract counts, persistency, group size distribution; impact on unit costs.
* Regulatory/market constraints: filing requirements, reasonableness, MLR impacts (commercial), competitive positioning.