The Patient Protection and Affordable Care Act (PPACA) will inevitably change Medical Professional Liability (MPL) loss trends and underwriting.

While the impact on MPL risk will vary by region and by type of provider, health-care providers can look into the future with some certainty now that the PPACA has been upheld by the Supreme Court.

Leading up to the Supreme Court's decision, I had the opportunity to meet with several health systems across the country. The comments made by the various CEOs, CFOs and risk managers had one recurring theme: The final decision by the Supreme Court does not matter; the health-care industry is going to change regardless. Similar comments were made by major health insurers.

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