1. 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
GROUPS
HDHP 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
The Future of Consumer Directed Healthcare
Text Document
John, Hipsley
California
March 29, 2013
2. 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
I
Member-Direct Demands
II
Groups: HDHC Shift
High Deductible Health Coverage
III
Revenue
Immediate Health Plan Challenges
Identifying the Essential Ideas
3. I
Member-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
III
Revenue
Immediate Health Plan Challenges
Combining Ideas & Images
II
Groups: HDHC Shift
High Deductible Health Coverage
