According to Michael Maglaras, president of Michael Maglaras & Company, health care is moving toward population management of the kind we have never before contemplated. Populations cannot be managed for Medicare or commercial payor purposes unless physicians are employed by healthcare organizations or otherwise strongly aligned with them. As healthcare moves from individual encounter to population management, it is clear that captives have grown and evolved to accept the challenge. The cause of loss information for physician and hospital medical professional liability claims that is buried inside of captive insurance company data will be used to improve health care in a way that changes medical care and lowers cost. This data will make all the difference in successful population health management.