The Q2 2021 Investor Earnings Calls of UnitedHealth Group, CVS Health, Cigna and Anthem All Discuss the SAME 2 Drivers of Their Growth:

1) Government Programs (i.e. Medicare Advantage and Medicaid Managed Care)

2) Increase Script Count for Their PBM Businesses... More Prescriptions = More Money.

Employer Health Plans are NOT Mentioned on Any of these Investor Calls as a Source of Growth for Health Insurance Companies.

Contrast that Lack of Priority with the $14B in Digital Health Venture Capital and Private Equity Investment for Many Companies That Are Creating Innovative Solutions for Employer Health Plans.

Why the Disconnect?

Answer:
Health Insurance Carriers are 'Fast-Followers' of Healthcare Innovation for Employers Because They Need Their Services for Employers to be 'Just Good Enough' to Retain them as Clients.

The Insurance Carriers Then Use These Employer Plans to Negotiate 'Not So Hot' PPO Discounts from Hospital Systems in Exchanged for Much Lower HMO Allowed Amounts.

The Insurance Carriers Then Run Their Medicare Advantage and Medicaid Managed Care Members Through Those Much Better HMO Contracts to Monetize Their Growing Government Business.

Sources:
Health Insurance Carriers WANT Medicare for All Video: [ Ссылка ]

UHG Earnings Call: [ Ссылка ]

CVS Health Earnings Call: [ Ссылка ]

Cigna Earnings Call: [ Ссылка ]

Anthem Earnings Call: [ Ссылка ]

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