The models used by many newer health insuers rely on data and claims information to identify members most in need of health care interventions–and then brings the doctor to them. (Photo: Shutterstock)

Spending an hour waiting in a sterile doctor’s office waiting room paging through a dog-eared copy of People magazine under fluorescent lighting may soon just be a tale we tell our grandkids, right up there with, “when I was your age, I had to walk to school, uphill both ways.”

Though the pandemic hastened the death of the office waiting room and drove many consumers into the convenient embrace of virtual health care visits, a new model of capital-light health care delivery has been brewing for years–driven in large part by a new breed of health insurance companies who have swapped investment in physical capital for data and technology.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


© 2023 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Emily Payne

Emily Payne is the current deputy editor for ALM's Business & Finance Markets and former managing editor for BenefitsPRO. A Wisconsin native, she has spent the past decade writing and editing for various athletic and fitness publications. She holds an English degree and Business certificate from the University of Wisconsin.

More from this author

BenefitsPRO Broker Expo 2024Event

The premier educational and networking event for employee benefits brokers and agents.

Get More Information


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.