(https://www.cnbc.com/2026/08/20/this-fertility-benefits-business-is-set-to-boom-per-wells-fargo.html) — and the narrative is seductive. Aging demographics, delayed childbearing, rising infertility rates. All real. But here's the catch: UNH and CI control the distribution channel. They are the ones who decide which fertility vendors get onto their employer plans. PRGY grows because employers demand it, not because PRGY has pricing power.

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