Analysis

So far, the largest reported pay ratio comes from Marathon Petroleum Company, where a CEO earns 935 times more than the median employee.

Using tactics that have drawn the attention of federal regulators and attracted lawsuits, drug plans and insurers have boxed out their smaller partners so they can take the business for themselves.

The largest private employer in the U.S., has been bypassing insurers and buying health care for its workers directly from providers in six different regions.

Premium increases in the individual markets are predicted to range from 12 to 32 percent in 2019, and 35 percent or more from 2019-2021,

Whether customers are actually poised to benefit from the wave of health care consolidation is the key question for antitrust enforcers.

No matter the segment, technology-led innovations focused on distribution will have a greater impact on the insurance industry in the near term.