The Heart of Healthcare | A Digital Health Podcast Stopping Healthcare's Tapeworm with Zero Inflation Healthcare | Clayton Christensen Institute Director Ann Somers Hogg
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Apr 28, 2025 In an engaging discussion, Ann Somers Hogg, Director of Healthcare Research at the Clayton Christensen Institute, delves into revolutionary ideas for overcoming healthcare inflation. She critiques traditional insurance models and reveals why InsureTech startups like Oscar faced hurdles. Explore the concept of 'Zero Inflation Healthcare' and learn about the necessary shifts in business models to enhance patient care. Hogg also discusses the role of consumer behavior in healthcare choices, utilizing the 'Jobs to Be Done' theory to illuminate pathways for healthier living.
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Systemic Healthcare Inflation Solution
- Healthcare cost inflation is a systemic problem needing systemic solutions involving new business models and value networks.
- The "optimal care business model" powered by health intelligence could tackle insurers' cost-plus business model, weak competition, and lack of supply chain visibility.
InsureTechs' Initial Market Mistake
- InsureTechs failed initially by targeting incumbents' best customers in Medicare Advantage, leading to sustaining innovation battles.
- Disruptive innovation succeeds by targeting less-served market segments rather than incumbents' core profitable customers.
Disruptive Innovation Targets Unserved
- Disruptive innovation starts by serving those who lack access or cannot afford existing solutions in healthcare.
- Examples include women's health and infertility care, where new products meet unmet needs at the low end or non-consumption segments.
