--- title: Navigating the Rising Impact of Medical Loss Ratio and How Payers Can Get Ahead description: This blog presents strategies for payers manage rising Medical Loss Ratio (MLR) pressures by leveraging predictive analytics, value-based care, and proactive care management. image: https://insights.vitaldatatechnology.com/hubfs/AdobeStock_380042725.jpg --- [![Vital Data Technology Logo](https://insights.vitaldatatechnology.com/hs-fs/hubfs/VitalData_Main%20Logo.png?width=2793&height=595&name=VitalData_Main%20Logo.png "Vital Data Technology Logo")](https://vitaldatatechnology.com/) - [Home](https://vitaldatatechnology.com/) - [Solutions](https://vitaldatatechnology.com/solutions/) - Affinitē Clinical Workflows - [Care Management (CM)](https://vitaldatatechnology.com/care-management/) - [Utilization Management (UM)](https://vitaldatatechnology.com/utilization-management/) - [Affinitē Benefit Query Engine (BQE)](https://vitaldatatechnology.com/benefit-query-engine/) - [Quality Improvement (QI)](https://vitaldatatechnology.com/quality-improvement/) - [Appeals & Grievances (AG)](https://vitaldatatechnology.com/appeals-grievances/) - [Affinitē Intelligent Insights](https://vitaldatatechnology.com/intelligent-insights/) - [Predictive Insights](https://vitaldatatechnology.com/predictive-insights/) - [Population Health Analytics](https://vitaldatatechnology.com/population-health-analytics/) - [Care Gap Analytics](https://vitaldatatechnology.com/care-gap-analytics/) - [Risk Analytics](https://vitaldatatechnology.com/risk-analytics/) - [Affinitē Platform](https://vitaldatatechnology.com/affinite-platform/) - [Analytics + Execution](https://vitaldatatechnology.com/analytics-plus-execution/) - [Intelligent Automation](https://vitaldatatechnology.com/intelligent-automation/) - [Health Data Management](https://vitaldatatechnology.com/health-data-management/) - [Member and Provider Engagement](https://vitaldatatechnology.com/provider-member-engagement/) - [Who We Serve](https://vitaldatatechnology.com/who-we-serve/) - Company - [About Us](https://vitaldatatechnology.com/about-us/) - [Careers](https://vitaldatatechnology.com/careers/) - [Privacy Policy](https://vitaldatatechnology.com/privacy-policy/) - [Resources](https://vitaldatatechnology.com/resources/) - [Blog](https://insights.vitaldatatechnology.com/) - [Videos](https://vitaldatatechnology.com/videos/) - [Solution Briefs](https://vitaldatatechnology.com/solution-briefs/) - [Contact Us](https://vitaldatatechnology.com/contact-us/) [December 16, 2025](https://insights.vitaldatatechnology.com/author/vital-data-technology) [Care Management](https://insights.vitaldatatechnology.com/tag/care-management), [Value-Based Care](https://insights.vitaldatatechnology.com/tag/value-based-care), [Predictive Analytics](https://insights.vitaldatatechnology.com/tag/predictive-analytics), [Medical Loss Ratio](https://insights.vitaldatatechnology.com/tag/medical-loss-ratio), [Medical Management](https://insights.vitaldatatechnology.com/tag/medical-management) # Navigating the Rising Impact of Medical Loss Ratio and How Payers Can Get Ahead ![AdobeStock_380042725](https://insights.vitaldatatechnology.com/hs-fs/hubfs/AdobeStock_380042725.jpg?width=816&height=484&name=AdobeStock_380042725.jpg) Health plans are facing mounting pressure to maintain a sustainable **Medical Loss Ratio (MLR)** — the percentage of premium revenues spent on clinical services and quality improvement. As medical costs outpace premium growth and regulatory requirements evolve, payers must rethink how they manage financial performance without compromising member health outcomes. For payer executives, the challenge is not only controlling costs but also building the agility to anticipate risk, adapt to regulatory policy changes, and demonstrate value to their clients in an increasingly competitive marketplace. ## **Top Drivers Increasing MLR** The forces driving MLR higher range from inflationary medical costs to utilization trends, pharmacy spend, and regulatory reforms. Each of these pressures compounds the complexity of managing sustainable margins across lines of business. ### **Rising Medical Costs** Medical expenses are growing at their fastest rate in more than a decade, with commercial group spending [projected to rise 8% and individual market spending 7.5%](https://www.beckerspayer.com/). Increased utilization in Medicare Advantage and Medicaid - particularly for post-acute and specialty care - continues to drive cost acceleration. ### **High-Cost Prescription Drugs** The [widespread adoption of GLP-1 drugs](https://www.alvarezandmarsal.com/) such as Ozempic and Wegovy for chronic disease management is reshaping pharmacy budgets. While clinically beneficial, their high recurring costs significantly affect payer MLRs. The Inflation Reduction Act’s elimination of coinsurance for catastrophic drug coverage has also led to higher utilization of expensive therapies. ### **Behavioral Health Utilization** Demand for mental and behavioral health services has grown exponentially since the pandemic, outpacing growth in reimbursement. This increased utilization, combined with behavioral health provider shortages, drives higher claims costs and complicates network management. ### **Medicaid Redeterminations** The unwinding of pandemic-era continuous enrollment has led to[large-scale Medicaid disenrollments](https://www.spglobal.com/), disproportionately affecting lower-risk members. As a result, plans are managing smaller, higher-acuity populations—raising per-member costs and inflating MLRs. ### **Regulatory Changes** Recent CMS changes—especially the V28 risk adjustment model—have [reduced payments to Medicare Advantage plans](https://www.norwood.com/). Larger payers like UnitedHealthcare have reported significant impacts, reflecting how federal policy shifts can quickly impact financial performance. Top Drivers Increasing Medical Loss Ratio (MLR) in 2025 ![MLR Table 1](https://insights.vitaldatatechnology.com/hs-fs/hubfs/MLR%20Table%201.png?width=1430&height=669&name=MLR%20Table%201.png) ## Source: Beckers   ## **Major Challenges in Managing MLR** As MLR pressures intensify, payers face several structural and operational challenges that constrain flexibility. Competitive markets, lagging premium rate adjustments, and regulatory complexities make it challenging to align revenue with rising costs. ### **Premium Deficiency** In many cases, particularly for Medicare Advantage products, collected premiums no longer fully cover growing medical costs. The result is an increasingly thin margin environment, limiting investment in innovation and member programs. ### **Limited Ability to Raise Premiums** Regulatory constraints and competitive pressure limit how much payers can offset costs through rate increases. Plans must therefore find internal efficiencies and new levers to maintain profitability. ### **Non-Medical Benefit Expansion** Investments in social determinants of health—like food, housing, and transportation—improve long-term outcomes but add short-term expense without immediate MLR relief. ### **Policy Uncertainty** Uncertainty around federal programs—such as the potential expiration of ACA premium subsidies and scrutiny of Pharmacy Benefit Managers (PBMs) - makes financial forecasting increasingly complex. ### **Delayed Rate Adjustments** For Medicaid plans, state rate revalidations often [lag behind claims experience](https://www.mckinsey.com/), creating a misalignment between capitation payments and member acuity. Major Challenges in Managing MLR![MLR Table 2](https://insights.vitaldatatechnology.com/hs-fs/hubfs/MLR%20Table%202.png?width=1430&height=669&name=MLR%20Table%202.png) ## Source: Beckers ## **Key Mitigation Strategies** To offset these pressures, payers must embrace a more agile, analytics-driven approach that aligns medical management initiatives with financial strategy and forecasting. The following strategies are helping leading plans manage MLR more effectively in the coming year. ### **Leveraging Technology to Advance Value-Based Care Models** Payers need to accelerate the transitioning from fee-for-service to value-based care to align financial incentives with outcomes, improving care efficiency and cost predictability. By rewarding providers for quality and prevention rather than volume, payers can influence utilization and drive sustainable improvements in their MLR. ### **Strengthening Care Management Programs** Payers need to focus their efforts on efficiently evaluating and identifying members ready to engage to help reduce unnecessary hospitalizations and improve adherence among high-risk members. The use of predictive models, along with micro segmentation, intelligent routing, and driving next-best actions, will positively influence MLRs. This is especially the case when using predicitive models that identify members at risk for pre-term birth - preventing costly NICU stays and avoiding the socio-economic costs for these families.  ### **Controlling Pharmacy Costs** There are several strategies for controlling pharmacy costs. Payers can implement prior authorization strategies utilizing technology solutions that will guide step therapy initiative. They should also consider implementing formulary management, negotiating better rebates, and leveraging biosimilars to offset rising drug costs. Predictive analytics will identify members most likely to require high-cost therapies, supporting earlier intervention and cost containment. ### **Leveraging Predictive Analytics for Risk Adjustment** Advanced risk scoring and predictive modeling can improve accuracy and ensure appropriate reimbursement - especially important given CMS’s V28 model of the Hierarchical Condition Category (HCC) risk adjustment model. By using AI-driven insights, plans can identify risk gaps sooner and act before revenue is lost. ### **Enhancing Member Engagement and Retention** Engaged members are healthier, take accountability for their own care, and are less costly to manage. The use of technology strategies such as digital tools, personalized communication, and incentive-based wellness programs drive better engagement, helping to manage MLR by reducing preventable utilization and improving health outcomes. Key Strategies to Mitigate MLR ![MLR Table 3](https://insights.vitaldatatechnology.com/hs-fs/hubfs/MLR%20Table%203.png?width=1430&height=669&name=MLR%20Table%203.png) ## Source: Beckers ## **The Path Forward - How Vital Data Technology Can Help** For payers, the future of MLR management depends on the use of powerful and cutting-edge technology that will enable innovation, moving medical management strategies from inefficient retrospective analyses to targeted real time action. V[ital Data Technology](https://www.vitaldatatechnology.com/) makes the difference. Our Affinitē platform delivers AI-powered predictive insights and intelligent automation that help payers identify emerging risks, optimize risk adjustment, and intervene to prevent costs from escalating. By integrating predictive analytics directly into operational workflows, Affinitē enables: - **Earlier identification** and prediction of high-cost claimants and at-risk members. - **Proactive care coordination** that reduces unnecessary utilization. - **Automated workflows** that streamline clinical and administrative processes. - **Continuous regulatory agility** that ensures compliance with CMS and state requirements. In an environment defined by financial pressure and regulatory complexity, actionable intelligence is no longer optional - it’s essential. Vital Data Technology helps health plans transform insight into impact, driving measurable improvements in both member outcomes and financial performance. [![Have questions about this article? Reach out now!](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/6044692/1ea6a093-1358-44ee-a789-537e3c72e631.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/6044692/1ea6a093-1358-44ee-a789-537e3c72e631) Previous post [Vital Data Technology Recognized in Gartner’s Market Guide for U.S. Healthcare Payer Care Management Workflow Applications](https://insights.vitaldatatechnology.com/vital-data-technology-recognized-in-gartners-market-guide-for-u.s.-healthcare-payer-care-management-workflow-applications) Next post [Payer Priorities in 2026: Strategic Resilience Meets Accelerated Transformation](https://insights.vitaldatatechnology.com/payer-priorities-in-2026-strategic-resilience-meets-accelerated-transformation) ### Recent Posts - [Beyond Predictive Analytics: Why Health Plans Need an Operating Model for AI](https://insights.vitaldatatechnology.com/beyond-predictive-analytics-why-health-plans-need-an-operating-model-for-ai) - [Preparing for HEDIS® MY 2027: Five Trends Every Health Plan Should Be Planning for Now](https://insights.vitaldatatechnology.com/preparing-for-hedis-my-2027-five-trends-every-health-plan-should-be-planning-for-now) - [Vital Data Technology Achieves NCQA HEDIS® MY 2026 Certification](https://insights.vitaldatatechnology.com/vital-data-technology-achieves-ncqa-hedis-my-2026-certification) - [Beyond Silos: Why the Next Generation of Value-Based Care Depends on Integrating UM, Care Management, and Payment Integrity](https://insights.vitaldatatechnology.com/beyond-silos-why-the-next-generation-of-value-based-care-depends-on-integrating-um-care-management-and-payment-integrity) - [The Shift Left Imperative: Why the Future of Value-Based Care Starts Before the Visit](https://insights.vitaldatatechnology.com/the-shift-left-imperative-why-the-future-of-value-based-care-starts-before-the-visit) ### Archives - [December 2021 (4)](https://insights.vitaldatatechnology.com/archive/2021/12) - [July 2025 (4)](https://insights.vitaldatatechnology.com/archive/2025/07) - [May 2021 (3)](https://insights.vitaldatatechnology.com/archive/2021/05) - [March 2022 (3)](https://insights.vitaldatatechnology.com/archive/2022/03) - [November 2022 (3)](https://insights.vitaldatatechnology.com/archive/2022/11) - [December 2022 (3)](https://insights.vitaldatatechnology.com/archive/2022/12) - [December 2024 (3)](https://insights.vitaldatatechnology.com/archive/2024/12) - [February 2025 (3)](https://insights.vitaldatatechnology.com/archive/2025/02) - [September 2025 (3)](https://insights.vitaldatatechnology.com/archive/2025/09) - [January 2026 (3)](https://insights.vitaldatatechnology.com/archive/2026/01) - [March 2026 (3)](https://insights.vitaldatatechnology.com/archive/2026/03) - [May 2026 (3)](https://insights.vitaldatatechnology.com/archive/2026/05) - [June 2026 (3)](https://insights.vitaldatatechnology.com/archive/2026/06) - [July 2026 (3)](https://insights.vitaldatatechnology.com/archive/2026/07) - [March 2021 (2)](https://insights.vitaldatatechnology.com/archive/2021/03) - [July 2021 (2)](https://insights.vitaldatatechnology.com/archive/2021/07) - [October 2021 (2)](https://insights.vitaldatatechnology.com/archive/2021/10) - [January 2022 (2)](https://insights.vitaldatatechnology.com/archive/2022/01) - [April 2022 (2)](https://insights.vitaldatatechnology.com/archive/2022/04) - [July 2022 (2)](https://insights.vitaldatatechnology.com/archive/2022/07) - [August 2022 (2)](https://insights.vitaldatatechnology.com/archive/2022/08) - [July 2024 (2)](https://insights.vitaldatatechnology.com/archive/2024/07) - [August 2024 (2)](https://insights.vitaldatatechnology.com/archive/2024/08) - [January 2025 (2)](https://insights.vitaldatatechnology.com/archive/2025/01) - [March 2025 (2)](https://insights.vitaldatatechnology.com/archive/2025/03) - [April 2025 (2)](https://insights.vitaldatatechnology.com/archive/2025/04) - [June 2025 (2)](https://insights.vitaldatatechnology.com/archive/2025/06) - [August 2025 (2)](https://insights.vitaldatatechnology.com/archive/2025/08) - [December 2025 (2)](https://insights.vitaldatatechnology.com/archive/2025/12) - [February 2026 (2)](https://insights.vitaldatatechnology.com/archive/2026/02) - [September 2020 (1)](https://insights.vitaldatatechnology.com/archive/2020/09) - [October 2020 (1)](https://insights.vitaldatatechnology.com/archive/2020/10) - [November 2020 (1)](https://insights.vitaldatatechnology.com/archive/2020/11) - [January 2021 (1)](https://insights.vitaldatatechnology.com/archive/2021/01) - [February 2021 (1)](https://insights.vitaldatatechnology.com/archive/2021/02) - [June 2021 (1)](https://insights.vitaldatatechnology.com/archive/2021/06) - [November 2021 (1)](https://insights.vitaldatatechnology.com/archive/2021/11) - [February 2022 (1)](https://insights.vitaldatatechnology.com/archive/2022/02) - [June 2022 (1)](https://insights.vitaldatatechnology.com/archive/2022/06) - [October 2022 (1)](https://insights.vitaldatatechnology.com/archive/2022/10) - [April 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/04) - [May 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/05) - [June 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/06) - [August 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/08) - [September 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/09) - [October 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/10) - [November 2023 (1)](https://insights.vitaldatatechnology.com/archive/2023/11) - [January 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/01) - [February 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/02) - [March 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/03) - [April 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/04) - [May 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/05) - [June 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/06) - [September 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/09) - [October 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/10) - [November 2024 (1)](https://insights.vitaldatatechnology.com/archive/2024/11) - [May 2025 (1)](https://insights.vitaldatatechnology.com/archive/2025/05) - [April 2026 (1)](https://insights.vitaldatatechnology.com/archive/2026/04) See all ### Categories - [intelligent automation](https://insights.vitaldatatechnology.com/tag/intelligent-automation) - [Quality Improvement](https://insights.vitaldatatechnology.com/tag/quality-improvement) - [Artificial Intelligence](https://insights.vitaldatatechnology.com/tag/artificial-intelligence) - [Care Management](https://insights.vitaldatatechnology.com/tag/care-management) - [Data Science](https://insights.vitaldatatechnology.com/tag/data-science) - [AI](https://insights.vitaldatatechnology.com/tag/ai) - [Utilization Management](https://insights.vitaldatatechnology.com/tag/utilization-management) - [HEDIS](https://insights.vitaldatatechnology.com/tag/hedis) - [Industry Insight](https://insights.vitaldatatechnology.com/tag/industry-insight) - [Intelligent Prior Authorization](https://insights.vitaldatatechnology.com/tag/intelligent-prior-authorization) - [News](https://insights.vitaldatatechnology.com/tag/news) - [Population Health](https://insights.vitaldatatechnology.com/tag/population-health) - [Healthcare Payer](https://insights.vitaldatatechnology.com/tag/healthcare-payer) - [Predictive Models](https://insights.vitaldatatechnology.com/tag/predictive-models) - [Risk Adjustment](https://insights.vitaldatatechnology.com/tag/risk-adjustment) - [Medicare Advantage](https://insights.vitaldatatechnology.com/tag/medicare-advantage) - [NCQA](https://insights.vitaldatatechnology.com/tag/ncqa) - [Predictive Analytics](https://insights.vitaldatatechnology.com/tag/predictive-analytics) - [Agentic AI](https://insights.vitaldatatechnology.com/tag/agentic-ai) - [Prior Authorization](https://insights.vitaldatatechnology.com/tag/prior-authorization) - [Behavioral Health](https://insights.vitaldatatechnology.com/tag/behavioral-health) - [Medicare](https://insights.vitaldatatechnology.com/tag/medicare) - [Payer Industry Trends](https://insights.vitaldatatechnology.com/tag/payer-industry-trends) - [Social Determinants of Health](https://insights.vitaldatatechnology.com/tag/social-determinants-of-health) - [Value-Based Care](https://insights.vitaldatatechnology.com/tag/value-based-care) - [Appeals & Grievances](https://insights.vitaldatatechnology.com/tag/appeals-grievances) - [CMS-0057-F](https://insights.vitaldatatechnology.com/tag/cms-0057-f) - [COVID](https://insights.vitaldatatechnology.com/tag/covid) - [Cloud-Native Platform](https://insights.vitaldatatechnology.com/tag/cloud-native-platform) - [Interoperability](https://insights.vitaldatatechnology.com/tag/interoperability) - [AI Agents](https://insights.vitaldatatechnology.com/tag/ai-agents) - [AMP Certification](https://insights.vitaldatatechnology.com/tag/amp-certification) - [Care Gaps](https://insights.vitaldatatechnology.com/tag/care-gaps) - [CareFlow Intelligence](https://insights.vitaldatatechnology.com/tag/careflow-intelligence) - [Compliance](https://insights.vitaldatatechnology.com/tag/compliance) - [FHIR](https://insights.vitaldatatechnology.com/tag/fhir) - [Gen AI](https://insights.vitaldatatechnology.com/tag/gen-ai) - [Insights](https://insights.vitaldatatechnology.com/tag/insights) - [Rules Engine](https://insights.vitaldatatechnology.com/tag/rules-engine) - [Staffing Ratios](https://insights.vitaldatatechnology.com/tag/staffing-ratios) - [Star Ratings](https://insights.vitaldatatechnology.com/tag/star-ratings) - [Aii](https://insights.vitaldatatechnology.com/tag/aii) - [Cloud native](https://insights.vitaldatatechnology.com/tag/cloud-native) - [HEDIS Measurement Year 2026](https://insights.vitaldatatechnology.com/tag/hedis-measurement-year-2026) - [Integration](https://insights.vitaldatatechnology.com/tag/integration) - [Medical Loss Ratio](https://insights.vitaldatatechnology.com/tag/medical-loss-ratio) - [Medical Management](https://insights.vitaldatatechnology.com/tag/medical-management) - [Member Engagement](https://insights.vitaldatatechnology.com/tag/member-engagement) - [Provider Engagement](https://insights.vitaldatatechnology.com/tag/provider-engagement) - [Regulations](https://insights.vitaldatatechnology.com/tag/regulations) - [TPAs](https://insights.vitaldatatechnology.com/tag/tpas) ### Subscribe to Our Newsletter [![VitalData_Main Logo](https://insights.vitaldatatechnology.com/hs-fs/hubfs/VitalData_Main%20Logo.png?width=2793&height=595&name=VitalData_Main%20Logo.png "VitalData_Main Logo")](https://vitaldatatechnology.com/) Vital Data Technology is transforming the healthcare ecosystem by empowering healthcare stakeholders with prescriptive insights to improve member health and lower costs. Vital Data Technology leverages embedded, real-time data science, AI, and analytics together to drive intelligent automation through their cloud-based Affinitē platform. #### Follow Us - - #### Recent News - [Beyond Predictive Analytics: Why Health Plans Need an Operating Model for AI](https://insights.vitaldatatechnology.com/navigating-the-rising-impact-of-medical-loss-ratio-and-how-payers-can-get-ahead) - [Preparing for HEDIS® MY 2027: Five Trends Every Health Plan Should Be Planning for Now](https://insights.vitaldatatechnology.com/navigating-the-rising-impact-of-medical-loss-ratio-and-how-payers-can-get-ahead) - [Vital Data Technology Achieves NCQA HEDIS® MY 2026 Certification](https://insights.vitaldatatechnology.com/navigating-the-rising-impact-of-medical-loss-ratio-and-how-payers-can-get-ahead) - [Beyond Silos: Why the Next Generation of Value-Based Care Depends on Integrating UM, Care Management, and Payment Integrity](https://insights.vitaldatatechnology.com/navigating-the-rising-impact-of-medical-loss-ratio-and-how-payers-can-get-ahead) - [The Shift Left Imperative: Why the Future of Value-Based Care Starts Before the Visit](https://insights.vitaldatatechnology.com/navigating-the-rising-impact-of-medical-loss-ratio-and-how-payers-can-get-ahead) #### Contact Info ###### Address 800 Newport Center Drive, Suite 450 Newport Beach, CA 92660 ###### Phone [(866) 482-8399](tel:%208664828399) ###### Email [info@vitaldatatech.com](mailto:info@vitaldatatech.com) Copyright © 2026 Vital Data Technology POWERED BY VITAL DATA TECHNOLOGY ![](https://ws.zoominfo.com/pixel/61e7005c1fad08001ae33ad3) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Vital Data Technology", "url" : "https://insights.vitaldatatechnology.com/author/vital-data-technology" }, "dateModified" : "2025-12-16T20:38:44.789Z", "datePublished" : "2025-12-16T19:49:00.000Z", "headline" : "Navigating the Rising Impact of Medical Loss Ratio and How Payers Can Get Ahead", "image" : [ "https://insights.vitaldatatechnology.com/hubfs/AdobeStock_380042725.jpg" ], "mainEntityOfPage" : { "@id" : "https://insights.vitaldatatechnology.com/navigating-the-rising-impact-of-medical-loss-ratio-and-how-payers-can-get-ahead", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://insights.vitaldatatechnology.com/hubfs/VitalData_Main%20Logo.png" }, "name" : "Vital Data Technology" } } ```