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Multi-year health plan products have the potential to change a lot about how healthcare business models work today.

Assessing the future of healthcare price transparency requires taking a couple of steps back to review its recent history.

The future will favor payers that adapt to changing market circumstances with agency and velocity. Payers will need to make tough choices.

U.S. employers have played a dual role in the health insurance of their employees – both paying for their health insurance coverage and choosing their health insurance options. These two roles have been tied at the hip, but now, ICHRA (individual coverage Health Reimbursement Arrangement) products offer an opportunity to bifurcate that role.

Today, the commercial group health insurance market is hollowing out, primarily driven by affordability pressures that have been building for decades.