the future of consumer-directed healthcare
DESCRIPTION
TRANSCRIPT
Member-Direct Demands
• Need for member engagement, loyalty at an all time high
• Distribution model changing – broker/ employer channel disintermediation
• New competitive environment in HIX market
GROUPSHDHP Shift
• Fortune 500’s are “Normalizing” CDH
• Refocus on innovative group options to accommodate more aggressive move toward consumerism, individual engagement
• Need solutions that “wrap” all of the CDH components together
Revenue
• Aggressive movement toward lower premium plans
• Underwriting capabilities extremely reduced in 2014
• Non-traditional administrative costs with every new product offering
COST CONTROL…P. P. A..C.A..
Member preferences and price sensitivity will drive more need for innovation in product and service offerings… quickly.
PRICE SENSITIVITY
The Future of Consumer Directed HealthcareText Document
John, Hipsley California
March 29, 2013
1) Need member engagement, with loyalty
2) Distribution model changing – broker/ employer channel (disintermediation)
3) Competitive environment in HIX market (Health Insurance Exchange)
1) Fortune 500’s are “Normalizing” CDH (Consumer Directed Health)
2) Refocus on innovative group options move toward individual engagement
3) Need solutions that “wrap” all of the CDH components together
1) Movement toward lower premium plans
2) Underwriting capabilities extremely reduced in 2014
3) Non-traditional administrative costs with new product
IMember-Direct Demands
IIGroups: HDHC Shift
High Deductible Health Coverage
IIIRevenue
Immediate Health Plan ChallengesIdentifying the Essential Ideas
IMember-Direct Demands
1) Need member engagement, with loyalty
2) Distribution model changing – broker/ employer channel (disintermediation)
3) Competitive environment in HIX market (Health Insurance Exchange)
1) Fortune 500’s are “Normalizing” CDH (Consumer Directed Health)
2) Refocus on innovative group options move toward individual engagement
3) Need solutions that “wrap” all of the CDH components together
1) Movement toward lower premium plans
2) Underwriting capabilities extremely reduced in 2014
3) Non-traditional administrative costs with new product
IIIRevenue
Immediate Health Plan ChallengesCombining Ideas & Images
IIGroups: HDHC Shift
High Deductible Health Coverage
Consumer
Wraparound
Member
Directed
Plans Shiftin
g
Consumer
Centered
Price Sensiti
vity
Group Innova
tion
Model for Consumer Directed Healthcare (CDH)5 Essentials of CDH Exchanges