Medical school taught Dr. Robert Lufkin the conventional wisdom of the healthcare system, but his experiences and research exposed deeper issues at play. In this episode of Healthcare Rethink, hosted by Brian Urban, the spotlight shines on Dr. Robert Lufkin, MD, the author of Lies I Taught in Medical School. The conversation centers around…

Revolutionizing drug development is pivotal in today’s healthcare landscape, particularly as the patient voice grows louder and more influential in shaping therapies. The latest episode of Healthcare Rethink, a FinThrive podcast, looks at this transformative trend. In an engaging discussion, host Brian Urban welcomes Wendy Erler, the VP of Global Patient Experience at Alexion…

As artificial intelligence (AI) weaves deeper into various sectors, AI in healthcare is experiencing a transformation that promises both challenges and groundbreaking advancements. This episode of “Healthcare Rethink,” a FinThrive podcast, dives into AI’s current state and future in healthcare. In this episode, host Brian Urban engages with Bobby Samuels, CEO at Protege, to…

In an era where mental health challenges are front and center, the role of leaders like Douglas Newton, MD, MPH, becomes increasingly pivotal. As the Chief Medical Officer at Rula, Doctor Doug is at the forefront of a healthcare revolution, navigating the complexities of behavioral health with a systems-focused approach. This episode of “Healthcare…

The boom of digital health has been a widely discussed topic in recent years, with many claiming it is a game-changing revolution in the healthcare sector. As the healthcare landscape continues to evolve with rapid technological advancements, questions arise about whether the boom of digital health is truly meeting its expectations. This pressing question…

Cancer patient advocacy is undergoing a transformative shift as healthcare continues to evolve, making it more crucial than ever to ensure patients receive not just treatment but compassionate, personalized care. This pivotal change is the focus of the latest episode of “Healthcare Rethink,” where host Brian Urban looks at the future of cancer patient…

In a dynamic shift toward integrating social determinants of health (SDoH) into healthcare strategies, the “Healthcare Rethink” podcast embarks on a nationwide Tech Tour, beginning with a compelling session in Miami hosted by Brian Urban. This episode features a panel of eminent leaders: Mendel Erlenwein, the CEO of CareCo, Andrew Parker, the Founder &…

Discover how a dynamic duo partnered with innovative, value-based strategies to revolutionize care for MSK populations. As musculoskeletal (MSK) conditions like osteoarthritis and back pain continue to rise, innovative partnerships are vital to delivering effective, value-based care. Recent studies show that MSK conditions are among the leading contributors to disability in the U.S., highlighting…

As healthcare challenges become more complex, the role of a chief impact officer in healthcare systems is gaining unprecedented importance. Healthcare Rethink Host Brian Urban explores the growing significance of this role with Lorena Zimmer, the Chief Impact Officer at Denver Health. From her early days as a tobacco program specialist to her current…

In the latest episode of “Healthcare Rethink,” a FinThrive podcast, host Brian Urban welcomes Susannah Fox, author of “Rebel Health,” to discuss the true patient-led journey toward improving healthcare. This conversation sheds light on how patient-led initiatives revolutionize healthcare, emphasizing the importance of empowering patients to drive change. Fox’s career spans roles as Chief…

Boston Medical Center (BMC) is at the forefront of health equity and social impact. Its dedicated focus is on addressing social determinants of health and improving outcomes for underserved communities. This emphasis aligns with current trends in healthcare, where social impact and community engagement are becoming increasingly critical. In this episode of the “Healthcare…

In a recent episode of the “Healthcare Rethink” podcast by FinThrive, host Brian Urban explored the future of healthcare with Trond Arne Undheim, a leading Futurist and Research scholar in Global Systemic Risk, Innovation, and Policy. Undheim, author of “Health Tech: Rebooting Society Software, Hardware, and Mindset,” shared his vision of a healthcare system…

On “Healthcare Rethink,” a FinThrive podcast, host Brian Urban addresses the big panda in the room when he engages with Ryan Bengtson, the President & COO at Panda Health. They explore Panda Health’s mission to mitigate the overwhelming challenge healthcare systems face when evaluating and integrating digital health solutions. Bengtson shares his journey from…

With the intersection of healthcare and technology becoming a focal point of innovation in recent years, can AI tools in medicine like ChatGPT become the new MD? In this episode of Healthcare Rethink, host Brian Urban discusses the transformative potential of AI in healthcare with Dr. Robert Pearl, author of “ChatGPT, MD: How AI-Empowered…

The latest episode of Healthcare Rethink, a FinThrive podcast, heads into the heart of HIMSS 2024. The conversation centers around digital transformation and its pivotal role in bridging health equity gaps. Robin Goldsmith, the Global Lead for Connected Health & Innovation at Verizon Business, shares insights from this year’s event, emphasizing the transformative power…

Healthcare Rethink host Brian Urban sought out innovators and experts at HIMSS 2024 to discuss workforce development and health equity. Urban sat down with Geoffrey Roche, the Director of North America Workforce Development at Siemens Healthineers and host of the Holistic Leadership podcast, to delve into pressing healthcare topics, including workforce development and health…

The concept of the bionic doctor is gaining momentum in the world of healthcare, reflecting a significant shift towards integrating advanced technology with traditional medical practices. This evolution marks a critical point in medical history on the cusp of a transformative era where technology enhances human capabilities, making healthcare more precise, personalized, and effective….

Innovations in healthcare were easy to spot at the recent HIMSS 2024 conference. Healthcare Rethink’s Brian Urban caught up with one of those innovators for a live discussion at HIMSS 2024. podcast, Their conversation opens a window and dialogue into the cutting-edge trends reshaping healthcare technology today. This episode features Dr. Craig Joseph, the…

Given the rise of digital transformation demands and the persistent challenges of cybersecurity, a healthcare IT renovation project can be pivotal as industry leaders actively seek guidance on navigating these complex waters. Why now? What makes the current landscape ripe for a Healthcare IT Renovation Project, and how does one tackle such a monumental…

During the 2024 HIMSS Conference, an annual highlight for digital health innovators, Dr. Bryan O. Buckley, the Health Equity Director at NCQA, shared transformative insights on advancing health equity in digital healthcare. This interview, conducted by Healthcare Rethink host Brian Urban, delves into the strategies that can reshape healthcare delivery through technology and equity….

In today’s rapidly evolving healthcare landscape, “health equity is earned and learned” captures a vital truth. This critical concept underscores the need for a proactive and educated approach to bridge healthcare outcomes and access disparities. On the Healthcare Rethink podcast, host Brian Urban welcomes Bonzo Reddick, MD, MPH, FAAFP, a prominent Public Health Leader…

The rapid proliferation of mental health applications and the ambiguous distinction between mental health and wellness technologies underscore the urgency for clearer regulatory and clinical guidelines in behavioral health. At HIMSS 2024, Dr. Jaqueline Naeem, Senior Medical Director at the Parkland Center for Clinical Innovation, addressed the evolving landscape of mental health technologies. Her…

In the current healthcare dialogue, science with a moral compass is not just a guiding principle but a necessity. This emphasis on merging ethical considerations with healthcare innovations is critical, especially as studies reveal stark disparities in health outcomes among different populations. This concept of science with a moral compass sets the backdrop for…

In this episode of Healthcare Rethink, conducted at HIMSS 2024, host Brian Urban engages with Nicole Clawson, the Vice President of Revenue Cycle and Finance at Pennsylvania Mountains Healthcare Alliance. They delve into pressing issues facing community hospitals and explore innovative solutions in rural healthcare settings. The conversation covers a wide array of topics,…

Can a daily text keep the brain healthy? The ongoing mental health crisis spotlights the essential need for innovative approaches to mental health care. With the rise of digital health solutions, the conversation around behavioral health has intensified, reflecting a growing public demand for accessible and effective mental health resources. Recent studies reveal that…

As healthcare embraces technological innovation, could bringing a Geek Squad service approach from companies like Best Buy Health lead this transformation? The sector is witnessing a seismic shift with the integration of advanced technology and home-based care. Gastroenterological issues have surged by 20% in the past decade, highlighting the need for this tech-driven approach…

In today’s healthcare landscape, the focus on health equity signifies a collective awakening to the needs of historically underserved communities. Amidst this backdrop, a pertinent conversation unfolds about how to tailor and scale culturally competent care to address the disparities in health outcomes. Recent studies suggest marginalized groups face a multitude of barriers to…

As healthcare continues to evolve, the focus on gastrointestinal (GI) health has become more pronounced. With an aging population and modern dietary habits contributing to a rise in GI disorders, healthcare requires a gut check, literally. The global market is rapidly advancing towards less invasive technologies, personalized nutrition, and virtual care models. The surge…

Healthcare Rethink host Brian Urban explores ways to wake up healthy and stay healthy with his guest, Dr. Avantika Waring, MD, the Chief Medical Officer, at 9amHealth. This episode delves into the transformative approach to healthcare delivery championed by 9amHealth. Dr. Waring’s journey from a humanities student with a love for French to a…

Great tech with a good heart? Technology may not be the first word that screams compassion in healthcare, but two tech-driven companies seek to change that perception. The latest episode of the Healthcare Rethink podcast explores the intersection of technology and compassionate care. Host Brian Urban welcomes Caitlin Donovan, the Global Head of Uber…

Healthcare Rethink, a FinThrive podcast, addresses the pressing issue of healthcare affordability. Host Brian Urban engages with Srulik Dvorsky, Co-Founder & CEO of TailorMed, in a discussion that unpacks the practicalities of reducing the financial burden of medical expenses on patients and providers alike. With a background in medical devices and a personal connection…

To bolster patient-centric treatment, what healthcare could use is a great sidekick. The healthcare landscape is at a critical juncture, with chronic diseases escalating and healthcare systems worldwide struggling under the weight of increasing demands and costs. It’s a pressing issue, considering poor medication adherence contributes to an estimated 125,000 deaths each year across…

The concept of population health is evolving rapidly, with a significant shift towards a more targeted approach known as Precision Community Health. Driving this change is the realization that broad health initiatives often overlook the nuanced needs of specific communities, particularly those in rural areas or experiencing generational poverty. With 80% of health outcomes…

As the healthcare industry navigates through its ongoing technological revolution, the focus sharpens on the role of the modern digital laboratory. This evolution from traditional methodologies to digital platforms in pathology labs marks a pivotal advancement, especially in cancer diagnosis and treatment. Highlighted by the FDA’s 2017 approval of the first diagnostic scanner for…

From combating antibiotic resistance to improving patient monitoring, Artificial Intelligence is changing the landscape of healthcare at breakneck speed. And amid soaring demand for cutting-edge analytics, companies like PurpleLab are stepping into the spotlight. Their mission? To harness the power of healthcare data to drive innovation, efficiency, and better patient outcomes. The stakes are…

With over 100 million U.S. adults struggling with medical debt, the need for innovative solutions for healthcare consumers is clear. This discussion is timely as the healthcare industry grapples with the challenges posed by high deductible plans and the consequent rise in medical bills that many find impossible to pay. Millions of Americans’ financial…

Three healthcare executives share a common goal: Improve Member Lives. This mission becomes ever more critical in an industry continuously seeking the right formula for quality care. In the current climate, where healthcare expenditures represent nearly 20% of the U.S. GDP, according to a report from CMS, the impetus to optimize member care while…

Supercharging care management, a central concern in healthcare requires understanding the powerful technological tools available to make a difference. Artificial Intelligence (AI) stands poised to redefine patient care coordination. The discussion around such technological leaps is not just timely but crucial, considering the ever-rising healthcare costs and the need for improved patient outcomes. This…

In an era where healthcare innovation is paramount, the latest episode of Healthcare Rethink by FinThrive introduces Holon Health’s holistic care model for individuals battling substance abuse disorders. Host Brian Urban and Holon Health CEO Jason Herzog delve into the integration of healthcare and criminal justice to support substance abuse patients. Holon Health’s holistic…

Currently, the healthcare system is grappling with issues of equity, access, and the integration of social determinants of health. As a result, the conversation around transformative leadership in healthcare education has never been more crucial. Amidst a backdrop of systemic challenges, including structural racism and socioeconomic disparities, the role of education in shaping the…

In an era where healthcare is at the forefront of societal concerns, the need to transform Medicaid with technology is more urgent than ever. In the latest episode of Healthcare Rethink by FinThrive, host Brian Urban dives into this issue with Jeff Reid, Senior Vice President of Product at Gainwell Technologies. Reid, who leads…

In this thought-provoking episode of the Healthcare Rethink Podcast by FinThrive, host Brian Urban engages with Dr. Zeev Neuwirth, a Renowned Author and Yale University Professor, to explore beyond the walls of healthcare. Neuwirth, author of “Beyond the Walls: MegaTrends, Movements and Market Disruptors Transforming American Healthcare,” shares his journey from a traditional medical…

This episode of the Healthcare Rethink Podcast by FinThrive features a look at tackling health equity from both an industry and academic perspective, with insights from Dr. Stella Safo, a passionate advocate for marginalized populations in healthcare. Stella Safo, MD MPH, and the Founder & CEO of Just Equity for Health joins host Brian…

In this episode of the Healthcare Rethink Podcast by FinThrive, host Brian Urban engages in a thought-provoking conversation with Jake Rothstein, the Founder & CEO of Upside, exploring innovative solutions in healthcare and housing. Urban and Rothstein journey into Upside’s healthcare transformation through addressing housing needs. Rothstein shares his personal story and the inception…

In an era where technology has revolutionized almost every aspect of daily life, healthcare technology often seems stuck in the past. This lag has significant implications, especially as the industry navigates post-pandemic challenges and the evolving needs of a diverse population. A study by the Pew Research Center revealed that 81% of adults support…

Healthcare must go beyond boundaries with security, systems, and connectivity to ensure patient and data protection that meets today’s cyber threats. In light of the increasing cyber threats healthcare organizations face, it’s crucial to emphasize the importance of robust security measures. In 2023, a significant surge in cyber-attacks on healthcare systems was reported, with…

In a healthcare landscape increasingly focused on patient experience and accessibility, the latest episode of FinThrive’s Healthcare Rethink podcast couldn’t be timelier. With the healthcare industry grappling with challenges like medication adherence and patient accessibility, this conversation sheds light on innovative solutions. A striking fact to consider: despite advancements, a significant number of patients…

Amid a constantly evolving healthcare landscape, the Healthcare Rethink podcast, presented by FinThrive, graces the ears of its audience with insights from Chris Boone, Ph.D., an Executive and Adjunct Assistant Professor of Health Administration at NYU, affectionately known as the Data Hippie. Hosted by Brian Urban, this episode ventures into the realms of healthcare…

As the healthcare industry grapples with the growing complexity of chronic conditions, virtual care models are emerging as a crucial solution to bridge gaps in accessibility and quality. Healthcare Rethink’s Brian Urban brings Randy Forman, Chief Commercial Officer at Oshi Health, onto the podcast to explore how a tech-savvy approach to gastrointestinal care reshapes…

At a time when healthcare faces the dual challenge of escalating costs and the need for personalized care, human-centered design stands out as a critical solution. Studies reveal that human-centered design approaches in healthcare can lead to a significant reduction in healthcare costs. This approach, prioritizing individual patient experiences and needs, marks a crucial…

Video Embed:   Finding ways to stand out in the crowded Medicare Advantage Plans space can be a challenge in today’s continually evolving healthcare industry. On Healthcare Rethink, a FinThrive podcast, host Brian Urban welcomes Jenn Kerfoot, Chief Strategy Officer at DUOS, to share her journey from a Navy Corpsman to a healthcare executive and…

The healthcare industry is undergoing a notable transformation that’s being driven by technology startups. These emerging companies are currently reshaping how healthcare is delivered, accessed, and experienced. Amid this evolution, Reciprocity Health, headed by its CEO Matt Swanson, stands out for its innovative approach. Today, healthcare technology startups are not just a trend but…

In the latest episode of Healthcare Rethink, a FinThrive podcast host, Brian Urban, engages with Shawn Nason, a maverick who brought a Disney-inspired vision to healthcare. Nason, the founder of MOFI, a former Disney Imagineer, and a cancer survivor, shares his transformational journey, advocating for patient-centric experiences. Shawn Nason’s unconventional career—morphing from a Disney…

Healthcare startups need more than innovation; they require dynamic leaders willing to take these endeavors beyond the ordinary into uncharted waters to generate unparalleled success and lead the industry forward. In the latest episode of The Healthcare Rethink Podcast, host Brian Urban sits down with multifaceted healthcare leader Jonathan Baktari, MD, CEO of eNational…

In the vanguard of healthcare transformation, next-level data emerges as a tool and a catalyst for courageous innovation that Dr. Emily Lindemer and Morgan Health are championing. Healthcare Rethink, a FinThrive podcast hosted by Brian Urban, delves into this fusion of next-level data and healthcare innovation with guest Emily Lindemer, PhD, the VP of…

Nurses Have Shaped Modern Society beyond healthcare to stand as pivotal figures that transcend their traditional roles, influencing the broader spectrum of societal change. Healthcare Rethink, a FinThrive podcast hosted by Brian Urban, welcomes Sarah DiGregorio, Journalist, Author, and Speake,r to discuss her second book, “Taking Care: The Story of Nursing and Its Power…

Can art help remake medicine with the therapeutic potential to make a difference in healthcare? The rise of holistic approaches to well-being provides an opportunity to bring out the artistic side in healthcare. And on the latest episode of the Healthcare Rethink Podcast, host Brian Urban takes a deeper look into that intersection between…

The latest “Healthcare Rethink” podcast hosted by Brian Urban features Stacy Charlerie, US Regional Head and Data Strategy Director at Parexel. Charlerie may be part pharmacist and part business leader. Still, one thing’s sure: she’s all about that data! In this episode, Urban and Charlerie discuss how data analytics is becoming integral to patient-centric…

In the rapidly evolving world of healthcare technology, Chief Medical Officers (CMOs) are emerging as pivotal figures leading health tech innovation. Healthcare Rethink’s Host Brian Urban took a closer look at CMOs and their roles within the health tech innovation with his recent guest, Dr. Charles Smith MD, the Chief Medical Officer for North…

Rural healthcare is undergoing a transformative shift and is not just about location. With the rise of telemedicine and the increasing need for accessible care, medicine is evolving rapidly with new technology. Telemedicine creates a critical lifeline in providing care to rural communities. Still, is telemedicine enough to fill the gaps in rural healthcare,…

Accelerating access to medicine for underserved communities, with a goal of diversity and inclusion, is possible. The healthcare community can turn vision into reality through research, collaboration, and innovation. As the healthcare landscape continuously morphs, the spotlight is now on how systemic inequities impact the journey from medical research to accessible patient care. The…

embed code:   Improving health equity takes more than a village; it involves creative risks from organizations and disruptors seeking innovative solutions to address these challenges. In today’s ever-evolving healthcare landscape, the focus on health equity and affordability has never been more pertinent. With rising healthcare costs and the increasing awareness of social determinants of…

Escalating primary care costs in the United States urges a reconsideration of the traditional fee-for-service model, giving rise to a value-based care (VBC) model emphasizing better patient outcomes and cost-effectiveness. The financial potential of VBC is significant, with a McKinsey report indicating that the growth in value-based care has created approximately $500 billion in…

The evolution toward patient-centric care in healthcare isn’t merely a trend but a necessity underscored by compelling evidence. This shift, rooted in understanding the patient as a unique individual, has demonstrated significant benefits, including enhanced satisfaction, improved health outcomes, and decreased healthcare utilization​​. Central to this evolution is the emergence of the “servant leader”…

Healthcare needs a public health athlete on every team in the fight for health equity. The healthcare industry has recently awakened to the glaring disparities in health outcomes across different demographics, further exacerbated by the COVID-19 pandemic. The dire need to bridge these gaps has sparked discussions about transforming traditional healthcare models into more…

In an era where personalized healthcare is becoming a necessity rather than a luxury, pediatric pharmacy carves a critical spot, especially as it proves to be a lifesaver in complex cases. On this episode of Healthcare Rethink, host Brian Urban, who serves as the Director of Innovation and Emerging Markets at FinThrive, delves deep into…

In this episode of the Rethink Healthcare podcast, host Brian Urban is joined by Dr. Steven Lane, Chief Medical Officer of Health Gorilla. Health Gorilla is revolutionizing interoperability within the healthcare ecosystem by enabling seamless data exchange and faster access to information. Urban and Lane discuss: the importance of interoperability and data exchange in healthcare,…

In the latest episode of the Healthcare Rethink podcast, presented by FinThrive, host Brian Urban sits down with Alex Maiersperger, the Global Principal Healthcare at SAS. Their conversation charts the role voice plays in influencing and connecting the healthcare industry. Maiersperger, who co-founded the Advancement League, shares his journey from being a healthcare optimist to…

When technology and humanity converge in a positive direction, they can do many things, including fueling the advances much needed in the strive for health equity. The healthcare industry has undergone a significant transformation in recent years, driven by rapid technological advancements and a growing emphasis on human-centered care. The COVID-19 pandemic further highlighted the…

As health disparities come under the spotlight, the urgency to achieve health equity in the healthcare sector intensifies. With the industry at a crossroads, a recent study funded by the NIH highlighted the staggering economic impact of these disparities, revealing an estimated cost of $451 billion to the economy in 2018 alone. That figure could…

In this episode of the Healthcare Rethink podcast, host Brian Urban sits down with Dr. Mitesh Rao, CEO of OMNY Health. Urban and Rao discuss: Rao’s unique journey to the CEO position at OMNY Health and his vision for the organization and healthcare at large How to leverage data to drive transformative change in patient…

In the latest Healthcare Rethink podcast, hosted by Brian Urban, industry leaders Dr. Romilla Batra, Chief Medical Officer at Scan Health Plan, and Sharon Jhawar, Chief Pharmacy Officer at Scan Health Plan, joined Urban to discuss their roles and the initiatives they are implementing to address health equity in their organization and the industry at…

In this episode of Healthcare Rethink, host Brian Urban sits down with Sarah Rumfelt from Soda Health to delve into an exciting topic: addressing social determinants of health to revolutionize the healthcare landscape. Rumfelt shares how Soda Health leverages data analytics to identify health plan members at risk due to factors like food insecurity, housing…

The U.S. has plenty of healthcare services for physical injuries, but when it comes to mental health there is no well coordinated care system in place. While there is no shortage of mental health services, the gap is in connecting people in need with these essential services. How can new technologies improve mental health services…

Terms like Artificial Intelligence (AI) and automation tend to cause two reactions: trepidation or excitement. And while AI and automation have undoubtedly blended into popular culture as tenets of sci-fi and dystopian futures, AI and automation should evoke more excitement rather than fear for what they can bring to our futures, especially in healthcare. So,…

John Petito, SVP of Transformation at SCAN Health Plan joins the podcast to share his story and how his work is helping enable new types of healthcare coverage for diverse populations. Join us to hear how Health Plans are beginning to evolve their approach to addressing the needs of older adults and the LGBTQ+ community…

From myPlace Health, Rhiannon Iorio Perry MPH and Rob Schreiber MD join the podcast to share their stories and efforts to expand health at home for seniors across the United States. myPlace believes building a new care model—one that provides care and dignity, focusing on the social and physical well-being of elder populations—is the only…

HIMSS 2023 was the host of several industry-defining conversations for the healthcare industry, including reflections on the growth of data use in healthcare and the evolution of how and where care is administered. The evolution of the healthcare marketplace has resulted in the saturation of data among multiple areas. As a result, the healthcare…

We have now entered a universe of “determinants of health” ranging from medical debt to housing to medication access to transportation…literally all things impact health that happen outside a doctor’s office. So is healthcare taking this into account? How are we helping those with substance abuse, rare cancers and unmanageable chronic conditions? On today’s episode…

A lack of health insurance can be detrimental to anyone if there is any medical emergency or accident that occurs in that span of time. Healthcare costs are high even with insurance. Without insurance? Astronomical and simply unaffordable for many. So, it should come as a concern that in 2021, 8.6 percent of Americans did…

From the National Committee for Quality Assurance (NCQA) Health Equity Director Bryan O. Buckley DrPH, MPH joins the podcast to share his story and efforts to progress health equity for disadvantaged families across the US. NCQA is committed to evolving equity in healthcare through services, programs and next generation accreditations aimed at supporting Health Plans,…

The Consumer Financial Protection Bureau’s research shows consumers generated $88 billion in medical debt as of June 2021. The CFPB’s research also indicated a vast majority of low-income individuals of all races and ethnicities were more likely to incur medical debt than the national average. This national crisis threatens equitable healthcare in the United States….

Seeing a community’s health gaps and opportunities is no easy feat. Seeing the social health needs at the household level is very challenging…but this is where Amit Kale, Vice President at Highmark Health, believes we need to start to help members live healthier lives. Amit Kale MD, MHA joins the podcast to talk about the…

Hospitals had a rough 2022 as they faced higher labor and supply costs, volatile patient volumes, and fragile payer relations. More than half of hospitals in 2022 are expected to result in negative margins, according to Kaufman Hall. Kevin Holloran, Senior Director at Fitch Ratings, said 2022 was “one of the worst years ever in…