Stock Markets February 13, 2026

Wolfe Research Lowers Rating on Inspire Medical After Medicare Payment Reversal

Broker cites removal of a key pricing tailwind and increased uncertainty around guidance and procedure volumes

By Priya Menon INSP
Wolfe Research Lowers Rating on Inspire Medical After Medicare Payment Reversal
INSP

Wolfe Research has downgraded Inspire Medical Systems to Peer Perform, saying a reversal in U.S. reimbursement policy has eliminated a previously expected pricing advantage and introduced greater uncertainty into the company’s near-term outlook. The brokerage highlighted the loss of facility-level incentives and the potential for reduced physician incentives to weigh on procedure volumes, and noted a more contested competitive environment.

Key Points

  • Wolfe's bullish thesis depended on facility incentives and reimbursement-driven pricing upside supporting margin expansion and profitability.
  • A CMS reversal of earlier payment changes removes that pricing tailwind and may become a headwind for Inspire.
  • Reduced physician incentives and a more contested competitive landscape raise uncertainty around procedure volumes and guidance.

Wolfe Research has downgraded Inspire Medical Systems to Peer Perform, pointing to a material shift in U.S. reimbursement that it says has removed a previously identified pricing tailwind and increased uncertainty around the companys near-term prospects.

The firm said its earlier positive view on Inspire had been anchored to what appeared to be strong facility incentives and a substantial pricing opportunity that flowed from changes to reimbursement. That backdrop supported expectations that margins would expand, profitability would improve and that a replacement cycle might help sustain growth.

According to Wolfe, that dynamic has largely evaporated after what the note describes as a misstep by the Centers for Medicare & Medicaid Services in reversing earlier payment changes. The brokerage says the policy move not only removes the potential upside from pricing but may now act as a headwind to the business.

Wolfe added that the companys trimmed guidance is now more difficult to evaluate with confidence. One channel of concern is that reduced physician incentives could damp procedure volumes, undermining revenue momentum. The firm also highlighted an increasingly complex competitive and treatment landscape ahead, citing pressure from alternatives as well as competing device makers including Nyxoah SA and LivaNova PLC, and referencing emerging therapies from Apnimed.

While Wolfe indicated the stock looks inexpensive on a valuation basis, the reimbursement reversal has weakened its conviction in near-term earnings potential. The brokerage noted that an important part of the prior investment thesis was evidence that Inspire was approaching the end of a phase of estimate reductions and that the company had begun to show signs of profitability. With the pricing opportunity removed and policy uncertainty rising, Wolfe concluded that the outlook has become more challenging to model, prompting the downgrade away from a positive rating.


Summary

Wolfe Research downgraded Inspire Medical Systems to Peer Perform after a reversal in Medicare reimbursement removed a projected pricing tailwind. The change complicates assessment of guidance, raises the risk of lower procedure volumes if physician incentives decline, and coincides with mounting competitive pressures.

Key points

  • Wolfe's prior bullish view relied on facility incentives and a pricing opportunity tied to reimbursement changes that supported margin expansion and improved profitability.
  • The Centers for Medicare & Medicaid Services reversed earlier payment changes, which Wolfe says eliminates the pricing tailwind and may create a headwind.
  • The outlook is harder to model amid potential drops in procedure volumes and a more complex competitive landscape including rivals and alternative therapies.

Risks and uncertainties

  • Policy reversal risk - The reimbursement change by CMS removed a previously expected pricing benefit and introduces policy uncertainty that affects financial modeling and near-term earnings visibility.
  • Volume risk - Reduced physician incentives could lead to lower procedure volumes, weighing on revenue and profitability.
  • Competitive risk - Increased pressure from alternative treatments and rival device makers cited by Wolfe could further complicate growth prospects.

Risks

  • Policy reversal by CMS that eliminates a previously expected pricing advantage, increasing modeling difficulty and near-term earnings uncertainty.
  • Potential decline in procedure volumes if physician incentives are reduced, impacting revenue and margins.
  • Heightened competition from alternative treatments and rival device makers, which could pressure market share and growth.

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