From chronic diseases to m-health, these megatrends represent both challenges and opportunities.

1. ©2015EYGMLimited.AllRightsReserved.EYGno.EG0264EDNone
1 The chronic
disease crisis
2
3
6
4
5
Learn more about the challenges and opportunities associated with these trends —
and EY’s bold vision for the future.
Visit ey.com/HIOF
Payers, employers and
governments are not
incentivized to change
long-term behaviors
The move to outcomes
and value
So far, change has been slow
and piecemeal
M-health
technologies
The big data revolution
Customer centricity
Insurers not close to customers
due to limited data and
independent agents
Underwriting
pressures
Investment income down,
regulatory constraints,
micro-segmentation
Six trends that are disrupting
health care and health insurance
UW
► Huge potential, but
uncertain reimbursement
► Slow adoption
► Fragmented information
► No complete picture;
information asymmetry

2. Visit ey.com/HIOF
Payers, employers
and governments are
not incentivized to
change long-term behaviors
UW
Six trends that are disrupting health care and health insurance
1 The chronic
disease crisis
2
3
6
4
5
The move to outcomes
and value
So far, change has been slow
and piecemeal
M-health
technologies
The big data revolution
Customer centricity
Insurers not close to
customers due to
limited data, and
independent agents
Underwriting
pressures
Investment income down, regulatory
constraints, micro-segmentation
©2015EYGMLimited.AllRightsReserved.EYGno.EG0264EDNone
Learn more about the challenges and opportunities associated with these trends — and EY’s bold vision for the future.
► Huge potential, but uncertain reimbursement
► Slow adoption
► Fragmented information
► No complete picture;
information asymmetry