The authors call for insurers to become “strategic payers” that share risk with providers and put more emphasis on value-based payments.

The report from the Geneva Association, a Geneva, Switzerland-based insurance think tank, looks at NCMs such as Accountable Care Organizations (ACOs), fully integrated models that meld insurance and provider systems, direct-to-provider arrangements, and consumer-directed payments.

It noted that health care costs are increasingly driven by chronic and complex medical conditions. The authors suggest that NCMs are a way to restructure traditional insurance strategies to better respond to a changing health care industry. This includes efforts to meld health and life insurance products to address the long-term needs of consumers.

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