While many of the Haven postmortems have focused on the numbers and competition, the real challenge extends beyond any one organization and requires broader behavior change in participant utilization.

Haven Healthcare, formed by JPMorgan Chase, Amazon and Berskshire Hathaway in 2018, came in like a lion, but like many others who promised to fix the U.S. health care system, went out like a lamb. The three business behemoths claimed that Haven would control health care costs, increase access, and create greater efficiencies for their 1.2 million employees while disrupting the American health care landscape. Yet about three years later, it went softly into the night with barely a whimper. Why couldn't three highly successful organizations improve the current situation for their millions of employees, let alone disrupt the health care space?

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