THE FUTURE,HEALTH CARE,INSURANCE,DELOITTE,INSIGHTS,INDUSTRIES,AEROSPACE,DEFENSE,AUTOMOTIVE,FINANCIAL SERVICES,HIGHER EDUCATION,LIFE SCIENCES,MANUFACTURING,OIL GAS,POWER,UTILITIES,PUBLIC SECTOR,RETAIL,CONSUMER PRODUCTS,TECHNOLOGY,TELECOMMUNICATIONS,VIEW,TOPICS,ANALYTICS,EMERGING TECHNOLOGIES,INNOVATION LEADERSHIP,OPERATIONS,RISK MANAGEMENT,SOCIAL,IMPACT,STRATEGY,TALENT,SPECIAL,FOCUS,ADDITIVE MANUFACTURING,BEHAVIORAL ECONOMICS,MANAGEMENT,CIO,INSIDER,COGNITIVE,TECHNOLOGIES,EXECUTIVE,TRANSITIONS,FUTURE,MOBILITY,WORK,HUMAN,CAPITAL,TRENDS,INDUSTRY 4 0,INTERNET OF THINGS,SIGNALS,TECH,ECONOMICS,AMERICAS,ASIA PACIFIC,EUROPE THE MIDDLE EAST,AFRICA,EMEA,BEHIND,THE NUMBERS,BY THE NUMBERS,REGIONS,MULTIMEDIA,PODCASTS,INFOGRAPHICS,REVIEW,ISSUE,LEARN,WEBCASTS,COURSE,RELATED,DELOITTE CONSULTING,ARTICLE,GREG SCOTT,PAUL,BILL COPELAND,JULY 24,THE US,HEALTH INSURANCE,INDUSTRY,UBIQUITOUS,ROLE,THE NATIONS,ECONOMY,MAJOR CHANGES,AFOOT,EMPLOYER,ACTIVISM,PARTICIPATION,GOVERNMENT SPONSORED HEALTH,PLANS,THE STATE,STATE,IMPLEMENTATION OF,THE AFFORDABLE CARE ACT,COSTS,THE ROLE,TRUST,THE SYSTEM,WORTH,CLOSER,LOOK,THE CONCEPT,INDIVIDUALS,ORGANIZATIONS,PURCHASE,SERVICE,RISK,THE EVENT,PROBLEM,FINANCIAL,SECURITY,HOPING,COVERAGE,JUST IN CASE,MARKETS,PAID,THE FINANCIAL,SINGLE EVENT,WIPE OUT,HOUSEHOLD,ORGANIZATION,THE MAJORITY,OVER TIME,MAJORITY,DO NOT,EXCEPTION,THUS,MATH,BASICS,POOLING,LARGE NUMBER,FUND,SMALLER,NUMBER,1950S,EMPLOYERS,BULK,EMPLOYEE,EMPLOYEES,BENEFIT,CHANGED,INSURANCE INDUSTRY,CUSTOMERS,NOT FOR PROFIT ORGANIZATIONS,VARIETY,PROPERTY AND CASUALTY,DAMAGES,PHYSICAL PROPERTY,OWNERS,LIABILITY,ERRORS,OMISSION,OR COMMISSION,DEPENDENTS,RETIREES,SO ON,TRUE,TODAY,PERCENT,HOMEOWNERS,AUTO,TAX,INVESTMENT,COMPANIES,TARGET,ADVERTISE,ON TV,DIRECT TO CONSUMER,MARKETING,SOLD,CONSUMERS,COMPRISING,MARKET,HEALTH INSURERS,THE UNITED STATES,TYPES OF INSURANCE,ORIGINS,TEXAS,PHYSICIANS,1920S,MODEL,HELP,HANDLE,HOSPITAL,CARE,EVENTS,THE MODERN,RECRUIT,VETERANS,RETURNING,WORLD WAR II,DIFFERENTIATE,RECRUITING,NIXON,ADMINISTRATION,WAGE AND PRICE CONTROLS,CONTROL,RUNAWAY,INFLATION,WAGE CEILINGS,STANDARD FARE,DOLLAR,MODEST,PAYMENTS,DOCTORS,HOSPITALS,COMMON,FEATURES,WORKFORCE,FULL,GAMUT,ROUTINE,OFFICE,HOSPITALIZATION,MEDICAL,PROBLEMS,CONGRESS,TAX EXEMPTION,BILLION,THEREFORE,COVERS,CATASTROPHES,TICKET,EVOLVED,COMPREHENSIVE,EVERYTHING,MINOR,CUTS,ORGAN,ACCIDENTS,AKIN,AUTOMOBILE INSURANCE,PLAN,FLAT,TIRES,COLLISIONS,MATTERS,TRADITIONAL,COMPANY,PAYS,PREMIUM,SHARE,HEALTH SERVICES,HIGH 5,LITTLE,SKIN IN THE GAME,STRUCTURAL,REASON,FAST FORWARD,THE PRESENT,AMERICAN,HOUSEHOLDS,AMERICANS,THEMSELVES,PRIVATE INSURANCE,100 MILLION,GOVERNMENT,CATEGORIES,UNIQUE,ENROLLMENT,REQUIREMENTS,INTENSE,SCRUTINY,FEDERAL,OPERATORS,SPLIT,ALMOST,INVESTOR,OWNED,NOT FOR PROFIT,AT HOME,GOVERNMENTS,SEEK,HEALTH,COST,CONGRESSIONAL BUDGET OFFICE,UP TO,27 MILLION,THE DECADE,PENALTY,WALKING,AWAY,THE HEALTH INSURANCE,CHANGING,OPTIONS,BALANCING,OUT OF POCKET COSTS,SIZE,SCOPE,PROVIDER,FORCING,FACTOR,TEN PERCENT,THE LAST,DECADE,THE NORM,FINANCIAL RESPONSIBILITY,SHIFTING,HIGH DEDUCTIBLE,DEFINED CONTRIBUTION,REPLACE,BENEFITS,INCREASINGLY,PAY ATTENTION,PRICES,THE SERVICES,CASES,INCENTIVES,HIGH,VALUE,PROVIDERS,LIMITING,ACCESS,NARROWING,CONTRACTING WITH,FEWER,EXTRACT,DRIVE,VOLUME,HIGHER,QUALITY,PRICING,CONTRACTS,FOCUSED,WELLNESS,PREVENTION,LIFESTYLE,CHRONIC DISEASES,HEALTH COSTS,COACHING,CHRONIC ILLNESSES,OBESITY,DIABETES,HEART DISEASE,ENCOURAGE,HEALTHY,LIFESTYLES,BELIEVE,ALREADY,PREVENT,BECOMING,UNHEALTHY,STRATEGIC INVESTMENTS,CONTAINMENT,FEDERAL AND STATE,MEDICARE,MEDICAID,FEDERAL EMPLOYEE,HEALTH PLAN,CHILDRENS HEALTH,LOCAL GOVERNMENT,MILITARY HEALTH,TRICARE,INCREASING,THE INFLUENCE,THE GOVERNMENT,SPONSOR,GOVERNMENT AGENCIES,EXAMPLE,MEDICARE ADVANTAGE,C,PRIVATE,PART D,PRESCRIPTION DRUG,ISSUERS,FEDERAL STATE,LOCAL,SIGNIFICANCE,ROLE OF GOVERNMENT,ABILITY,LARGE NUMBERS,NEGOTIATE,AGGRESSIVE,TERMS AND CONDITIONS,INSURERS,WANT TO,BEHALF,DYNAMIC,HEALTH REFORM,THE THIRD,DRIVING,CHANGE,THE PASSAGE,PRIOR,LAW,BUY,THE LAW,FULL TIME,YEAR 13,CITIZENS,ELIGIBLE,PUBLIC,MUST,GREATER,OR 1,THE DIFFERENCE,TAXABLE INCOME,TAX THRESHOLD,OPERATE,ADDING,NEW RULES,THE FEDERAL,LEVEL,VESTING,RESPONSIBILITY,MAJOR,CHANGES,MEDICAID EXPANSION,CREATION,HEALTH INSURANCE EXCHANGES,DIRECT,FACES,COMPLIANCE,OVERSIGHT,REGULATORS,THESE THREE,FACTORS,LANDSCAPE,DISRUPTION,FIGURE,AFFORDABLE CARE ACT,PROVISIONS,THE COMMERCIAL,LIFETIME,ANNUAL,NO COST,DEPENDENT,UNIFORM,EXPLANATION,DISCRIMINATION BASED ON,REPORTING,MEDICAL LOSS RATIO,PROVISION,INTERNAL,EXTERNAL,APPEALS,RATE,EXISTING,COMMUNITY RATING,GUARANTEED ISSUE,RENEWABILITY,DISCRIMINATION AGAINST,ESSENTIAL,OUT OF POCKET,WAITING,CLINICAL TRIALS,SOURCES,CONGRESSIONAL RESEARCH SERVICE,ANALYSIS,THEMES,FRAME,INCREASE,DRAMATICALLY,TRANSFER,SELF EMPLOYED,POPULARITY,SHOWS,NO SIGN,SLOWING,EXPAND,THE MARKET,THERES,INTEREST,STATE LEGISLATORS,GOVERNORS,CONTRACT,CORE,VALUE PROPOSITION,SOLID,PLATFORM,THE CORE,INFRASTRUCTURE,NECESSARY,POPULATION HEALTH,EFFECTIVELY,HEALTH CARE SYSTEMS,WORLDWIDE,CONSOLIDATION,PLAYERS,WID