1. Aon Health
Our Point of View
April 2017

2. Stark Realities Employer health care inflation will continue
An unhealthy and aging workforce burdens employers and our economy
Our higher costs are not leading to better outcomes (at all)
Emerging workforce needs and expectations will drive new strategies and solutions
Healthcare industry is (slowly) going through large delivery system transformation
Election impact will be felt by all stakeholders

3. Our “Dry Erase” slide – ACA to AHCA to ??
ACA Update
Our “Dry Erase” slide – ACA to AHCA to ??
Repeal
Replace
Repair
Reimagine
Reupholster
Rename
Relive
Reset
Reverse
Restart
Renew
Etc.

4. Potential Strategic Directions for Employers
Current employer responsibilities remain largely intact
Assess current environment
Retain core elements
Refocus energy on key levers
Consider new strategies and approaches
Repeal, Debate,
Repair, Replace
Advent of total benefits/total rewards strategies
Provide benefit trade-offs
Address benefits need spectrum
Create true defined contribution
Personalized Benefits
Erosion of employer-provided health care
Prepare for fundamental shifts
Incorporate defined subsidy
Reduce or transfer administrative burden

5. The key to win is through an adaptive and supportive
Our Point of View
The Key to Win
Responsive Health Ecosystem
The key to win is through
an adaptive and supportive
approach to health & wellbeing that drives individual accountability.
The key to win is through
an adaptive and supportive
approach to health & wellbeing that drives individual accountability.
Evolving Tailored Choices & Ongoing Guidance
Health & Wellbeing Orientation
Create an adaptive approach to health & wellbeing, working with players across the ecosystem, to provide options that evolve over time based on changing employee needs – improving both employee health and employer outcomes.

6. The key to win is through an adaptive and supportive
Responsive Health Ecosystem
The key to win is through
an adaptive and supportive
approach to health & wellbeing that drives individual accountability.
Employer Tactics
Change the way we pay for care
Value-based payment arrangements
Centers of expertise
Convenience care
Expert second opinions
Manage the most complex
Draw on employer scale and knowledge to take the lead in quickly driving positive changes with providers and carriers, to improve outcomes for all players in the health ecosystem

7. The key to win is through an adaptive and supportive
Evolving Tailored Choices & Ongoing Guidance
The key to win is through
an adaptive and supportive
approach to health & wellbeing that drives individual accountability.
Help employees navigate the world of health year-round with innovative platforms and technologies that create tailored and evolving choices for employees, with ongoing guided support (e.g., cost and quality transparency tools, and advocacy) and recommendations
Employer Tactics
Hold people accountable and provide personally relevant benefit and total reward choices (health and beyond)
Better support with a health care navigator

8. The key to win is through an adaptive and supportive
Health & Wellbeing Orientation
The key to win is through
an adaptive and supportive
approach to health & wellbeing that drives individual accountability.
Support employees with benefit plans and programming that increase emphasis on holistic employee wellbeing, including their physical, emotional, social and financial health
Employer Tactics
Start and end with a holistic approach to wellbeing and behavior change including physical, emotional, social, and financial health
Create measures for success for engagement, absence, value added

9. Building a Sustainable and Successful Health Care Strategy
Focus
Concentrate on opportunities to drive better results and a better employee experience
Identify and resolve issues that will make the biggest difference for you and your employees
Problem Solve
Explore emerging solutions and strategies to lead market changes and take advantage of opportunities to create competitive advantage
Innovate
Recognize the most successful strategies have clear goals and excel at execution
Execute

10. Mobile Service App “Aggregators”
Guide vs. Empower
Guide People
Empower People
Personal help
Self Service
ACOs
Concierge Care and Service Coordinators/PCMHs
Concierge PCP Plans
Direct Primary Care
Accountability With Support and Consequences
COEs
Telemedicine
Shoppable Care/Transparency
Choices, Apps
Websites
Accountability With Limited Personal Help
Navigation/ Advocacy
Expert Opinion
Mobile Service App “Aggregators”
Telemedicine
Quantum
Consumer Medical 2nd MD, Best Doctors
Welltok
Zest
American Well
MDLive
Accolade
Jiff
Health Advocate
Teladoc

11. How Employers Are Responding
Create dynamic design and plan options in key locations
Drive provider payment reform in the right markets
Manage the experience and outcomes for your most complex patients and their providers
Increase focus on health and wellbeing as business priority
Offer a navigator or concierge
Move to a defined contribution total reward strategy