1. HELPING PEOPLE MAKE SMARTER HEALTH CARE CHOICES

2. THE CAUSE WE SHARE 2 Confidential © 2015 HealthSparq, Inc. 69% Specialty drug spending predicted to grow from $87B to $402B by 2020 Outrageous pricing is widespread Knee Surgery costs $11,317 in Alabama, $69,654 in New York X-Ray Read $7.48-$164 Gauze Pads $77 Of those experienced medically-related bankruptcy were insured at the time of filing 62% Of bankruptcies are related to illness or medical bills 56M Americans under 65 will have trouble paying medical bills

3. THE CONSUMER’S ROLE IN DECISION MAKING IS INCREASINGLY IMPORTANT High-deductible health plan enrollment Individuals with deductible of $1,000 or more Source: Collins R, et al. “Insuring the Future” The Commonwealth Fund, April 2013, available at www.commonwealthfund.org Consumers paying more out-of-pocket Fall within PPO deductible 1 Fall within HDHP deductible 2 1)$733 based on KFF report of average PPO deductible 2)$2,086 based on KFF report of average HDHP deductible Source: http:/ehbs.kff.org/?page=charts&id=1&sn=13&ch=2764, http://www.newchoicehealth.com/; http://www.newchoicehealth.com/

4. PRICE VARIATION IN MARKETS IS STAGGERING… 4 Confidential © 2015 HealthSparq, Inc. OPTION 3 Total: $17,000-$24,000 OOP: $3,400 OPTION 1 Total: $11,000-$17,000 OOP: $2,750 OPTION 2 Total: $5,000-$7,000 OOP: $1,200 SHOCK WAVE TREATMENT FOR KIDNEY STONES IN SEATTLE, WA

5. AND CONSUMERS STILL AREN’T SURE WHERE TO LOOK FOR COST & QUALITY… 5 Confidential © 2015 HealthSparq, Inc.

6. NEW TOOLS HELPS BRING TRANSPARENCY INTO FOCUS… helps consumers find the care they deserve at prices they can afford 6 Confidential © 2015 HealthSparq, Inc. OPTION 2 Total: $5,000-$7,000 OOP: $1,200

7. CONSUMERS SEEK A BALANCED REVIEW OF COST AND QUALITY… cost quality convenience social cost convenience Confidential © 2015 HealthSparq, Inc.7 Real Cost Estimators Shows how much a member pays for total care, based on their plan, benefits, and coverage Patient Reviews Offers insights into patient’s actual experiences with providers Provider Search Allows consumers to find doctors, specialists and facilities who meet their needs

8. CURRENT AND PROJECTED SHOPPING TRAFFIC TRENDS ARE INTERESTING… 8 Confidential © 2015 HealthSparq, Inc. Search Term % of All Searches Dentist1.35% Pediatrics1.21% Obstetrics & Gynecology0.94% Family Medicine0.81% Dermatology0.79% Internal Medicine0.78% General Practice0.47% Primary Care0.43% General Dentistry0.41% General Acute Care Hospital0.38% Cost Estimate % of All Cost Estimates Vaginal delivery5.30% Bariatric surgery - laparoscopic gastric bypass2.26% Bariatric surgery (lap band)2.15% Screening colonoscopy2.05% Chiropractic Treatment1.96% C-section delivery1.95% Vasectomy1.68% Colonoscopy with biopsy1.56% Obstetric care, Global1.35% Existing Patient Preventative Checkup for an Adult (Age 18-64) 1.24%

9. USING PREDICTIVE ANALYTICS AND PROACTIVE ALERTS TO DRIVE SAVINGS HAS HUGE POTENTIAL… 9CONFIDENTIAL. Redesigning Health Care. RX Brand vs Generic suggestions Place of service suggestions Community participation ER alternatives Live Chat prompts Concierge access Alerts can be used for:

10. PERSONALIZED HEALTHCARE ADVICE & SERVICE IS THE NEXT WAVE… 10CONFIDENTIAL. Redesigning Health Care. Find a doctor Understand cost Help explain quality Hand off to Tele Health Understand Rx spend and options Review benefits Schedule appointments Concierge can provide: Offer incentives for lower priced treatments and doctors that make sense Support with claims questions Review the bills after treatments and appointments to see if there are areas to save cost Become employee advocates to get the prices reduced

11. “I’m fortunate to have a health savings account, but it wouldn’t have covered the full cost of my delivery. Since I found out what I should expect to pay in my first trimester, I was able to create a savings plan and I’m prepared to pay everything upfront. Paying off my medical expenses allows me to get a five percent discount from the hospital too…” Megan, expectant mother and HealthSparq user 11 Confidential © 2015 HealthSparq, Inc.

12. HELPING PEOPLE MAKE SMARTER HEALTH CARE CHOICES

13. COST SAVINGS CAN BE REALIZED THROUGH CONSUMER EMPOWERMENT… 13 Confidential © 2015 HealthSparq, Inc. Avoidable ED Getting appropriate care at lower-acuity settings and/or not get care at all Brand vs. Non-Brand Rx Change repeat-use brand name pharmaceuticals to generic alternatives Change Site of Service (Surgery) Change sites of service to outpatient and free standing center Change Provider (Non-surgery) More affordable providers for office visits, tests, imaging, or immunizations 9.8% OF SPEND COULD BE ELIMINATED* Based on savings algorithms that HealthSparq users benefit from All figures are representative of an average population opportunity of $34 PMPM ($82 PEPM) savings on $356 PMPM ($870 PEPM) total spend. Actual savings opportunity will vary by population and/or employer. 66% of spend is sensitive to shopping 0.9% 0.2% 4.1% 4.6%

14. WE’VE PROVEN THAT THE TOOLS WORK GALLBLADDER REMOVAL 14 InpatientOutpatientSurgical $19,102$11,107$6,360 Cost Estimator users choose Non-users choose Average Cost Least expensiveMost expensive 41 % 55 % 10 % 70 % 20 % 4%4% (2 year period of regional health plan’s claims history) Confidential © 2015 HealthSparq, Inc.

15. Over the years, I’ve had a lot of MRIs so I know how much they’ve cost me at my local hospital. When my my doctor recommended another, I wasn’t sure I could afford it. I started hearing about HealthSparq at work and from emails. I also go a postcard at home which finally convinced me to give it a try. I am so glad I did. I learned I could save $400 on an MRI at an imaging center that is just a few miles down the road from me. In addition to saving money, HealthSparq helped me take charge of my overall health. - Todd H., Utah State University INFORMED DECISIONS DRIVE COST SAVINGS 15 Confidential © 2015 HealthSparq, Inc. ” “

16. Analytics, alerting, and dashboards Personal Health Record Employee incentives Scheduling and access Billing audits Telehealth/ medical tourism Cash / prompt-pay pricing Provider selection / shopping Cost & quality transparency Private exchange support Consumer advocacy / Concierge services HSA bank F THE CONSUMER HAS TO BE AT THE CENTER PAYER & EMPLOYERSCONSUMER/EMPLOYEEPROVIDERS & NETWORKS 16CONFIDENTIAL. Redesigning Health Care.