Healthcare Consulting Manager, Accenture
Ruchi Aggarwal currently works as a manager in the healthcare practice of Accenture specialized in clinical innovation and change management. She graduated with her Masters in Health Services Administration from the University of Michigan in 2017 and is particularly interested in HSA-High Deductible Health Plans and Specialty Pharmaceuticals. Ruchi holds a Bachelor of Science in Health Management from Saint Louis University.
Student, Case Western Reserve School of Medicine
Crystal is a medical student at Case Western Reserve School of Medicine. After graduating from Case Western Reserve University as part of the combined BA/MD program, she worked with a nonprofit in Vietnam to improve educational and business opportunities for marginalized womens' groups. She is passionate about improving health equity and addressing affordability issues through cost-effective systems, both in the US and abroad.
Manager of Nursing Operations, Anne Arundel Medical Center
Christian currently works as the Manager of Nursing Operations at Anne Arundel Medical Center (AAMC) in Annapolis, Maryland. He moved into this role in June 2018 after completing a one-year Administrative Fellowship working for AAMC CEO Tori Bayless. Christian graduated with his Masters in Health Services Administration Degree from the University of Michigan in 2017. As Manager, he overss the 100-staff member Central Staffing Office and is responsible for supporting throughput initiatives in the main hospital and various business-related functions within the department. Christian is a graduate of the University of Michigan (M.H.S.A., 2017) and Calvin University (B.A., 2015). Outside of work, he is a Division I college soccer referee and enjoys traveling, reading, and staying physically active.
MPH Student, University of Georgia
Marie is a MPH candidate in epidemiology at George Washington University. During her time at the V-BID Center, Marie hopes to gain more insight on the health care system and is interested in understanding how the current system can be reformed to increase equity and accessibility for all. In her free time, Marie enjoys traveling, hiking, cooking, playing piano, and spending time with friends and family.
Student of Health Law, UCLA School of Law
Grace Bowden graduated from the University of Michigan in 2012 with a degree in Women’s Studies. During her time with the V-BID Center, Grace became interested in the legal and policy aspects of healthcare, and graduated from UCLA School of Law in 2018. Gracie is a licensed attorney in Texas and is currently consulting on various projects. Her interests include camping, trivia nights, and her 15 year old dog Ned.
Policy Director, Healthsperien LLC
Michael works for Healthsperien, LLC, a DC-based health policy and strategy consulting firm. Michael offers a wide-range of legislative and regulatory guidance and analysis across Healthsperien’s clients, with specific expertise in value-based payment and benefit design in the commercial market and government programs. In partnership with Healthsperien, Michael serves as the Policy Director for the National Coalition on Health Care and the Smarter Health Care Coalition, among other roles.
PhD Student, Harvard University
Jason is currently studying in the Health Policy PhD program at Harvard University. In addition to his time as an intern and then research associate with the V-BID Center, Jason has held positions with the Task Force on Low-Value Care, the Michigan Public Health Institute, Blue Cross Blue Shield of Michigan, and the National Academy of State Health Policy. Jason received his MHSA from the University of Michigan in 2014 and his BA from Bates College in 2008.
Medical Student, University of Maryland School of Medicine
Laura Chen is a medical student at the University of Maryland School of Medicine. After graduating from Johns Hopkins University in 2018 with a Bachelor’s degree in Biology and Public Health Studies, she completed the Master of Health Science program in the Department of Epidemiology in Genetic Epidemiology at the Johns Hopkins Bloomberg School of Public Health. Her interests include urban health and improving access to care.
Graduate Student, University of Michigan Health Management and Policy
Rebecca is a second year Master of Public Health student in Health Management and Policy and a Master of Public Policy student at the University of Michigan School, Gerald R. Ford School. She completed her first graduate summer internship at the Kaiser Family Foundation. Previously, she was a Senior Research Analyst at The Lewin Group. Rebecca graduated from Vanderbilt University in May 2014 with a Bachelor of Arts in Medicine, Health, and Society.
"I credit my experience interning at the Center for Value-Based Insurance Design for introducing me to the field of health policy."
Director of Health Policy, Illinois Health and Hospital Association
Lia Daniels is the Director of Health Policy at the Illinois Health and Hospital Association.
“My work with V-BID aligned with my desire to pursue a career in healthcare policy development, implementation, and advocacy. The research, policy writing, and network I developed at V-BID helped to prepare me for an Administrative and Public Policy Fellowship with my current organization. I appreciated the opportunity to work with health insurers implementing and studying value-based benefits, which we incorporated into V-BID issue briefs."
Jillian (Davenport) Barry
Manager, Clinical Payer Practice, Accenture
Jillian Davenport graduated from the University of Michigan’s School of Public Health in 2015 with a Masters in Health Services Administration. While at U of M, she was involved in the IHI Open School, the Michigan Women in Health Leadership, as well as V-BID. She currently works as a Manager in Clinical Payer Practice for Accenture.
“My writing and interviewing skills that I built upon at V-BID helped me to lead meetings and reach out to various stakeholders in my current role. Having knowledge of the health plan space has helped me gain credibility. V-BID directed me toward health plans and the future consumerism of health care specifically. I hear CEOs of health plans today talking about directing healthcare consumers toward the ‘right services’, which directly feeds back to V-BID research.”
Medical Student, University of California, San Francisco, School of Medicine
Prisca is a first-year medical student at the University of California, San Francisco, School of Medicine. She graduated from Pomona College in 2018 with a degree in Economics. Her interests include maternal and infant health and healthy equity on local and global levels. Outside of school, Prisca enjoys reading and spending time with friends and family.
Outreach Director, Educators for Excellence
Alison is an Outreach Director for Educators for Excellence, which is a teacher led non-profit dedicated to crafting teacher-driven policy recommendations. She works to mobilize and empower teachers to advocate for better policies in CPS. Alison graduated from the University of Michigan in 2013 with a degree in Psychology, Spanish, and Community Action & Social Change. She interned at the V-BID Center in-between her two years of teaching with the Teach for America program in Miami, Florida. Working in an under-served community led to Ali’s interests in disparities in education and health care.
“While at V-BID, I helped to redesign the Center’s website and worked on social media outreach. I also wrote a brief on health care disparities. I found the research and writing skills to be extremely beneficial and valuable. Due to all of the work I did at V-BID, I developed a passion for policy work and currently work as a community organizer on Airbnb’s public policy team.”
Associate Consultant, The Chartis Group
Peter Geppert is an Associate Consultant with The Chartis Group, with a focus on EHR implementations, revenue cycle optimizations and operational improvement initiatives. His experiences have had an emphasis on physician billing processes and systems. Prior to The Chartis Group, he worked in Implementation Services at Epic Systems, where he worked to roll out the company’s physician billing application. Additional work includes an administrative internship with Massachusetts Hospital, a research role at the University of Michigan’s Center for Value-Based Insurance Design and a collaboration with Henry Ford Health System. Mr. Geppert received his Master of Health Services Administration at the University of Michigan, and his Bachelor of Business Administration in Operations and Technology Management from the University of Wisconsin.
Molly graduated from the University of Michigan’s Health Management and Policy Program in 2017 with a Master of Health Services Administration. She currently works at Accenture as a Management Consulting Manager in the Health & Public Service practice, where she is focused on hospital operations strategy and process improvement work. Molly is currently based in the San Francisco Bay Area.
Strategy Consultant, Intermountain Healthcare
Sunil is a Strategy Consultant with Intermountain Healthcare's Enterprise Initiative Office. His work focuses around initiatives that drive enterprise strategy and innovation, as identified by Intermountain's Executive Leadership Team. Sunil completed his Masters in Health Services Administration at the University of Michigan in 2019. During graduate school he worked with the V-BID Center and interned at Deloitte Consulting. Outside of work, Sunil loves reading, cooking, swimming, and when he can, traveling and scuba diving.
Second-Year Dual Degree Student, University of Michigan School of Public Health
Chelsea Grimmé is a second-year dual degree student pursuing a Master of Health Services Administration (MHSA) and a Masters of Business Administration (MBA) at the University of Michigan. Prior to graduate school, Chelsea spent four years working as a Medication Process Consultant for Cerner Corporation in Kansas City, Missouri where she focused on software implementation and workflow optimization for large integrated delivery networks. In 2014, Chelsea graduated from Tulane University with a Spanish Major and Business Minor.
ASSISTANT DIRECTOR OF MARKETING, UH HEALTH
Ashley Haglund is the Assistant Director of Marketing at UI Health. She continues to remain committed to ensuring value in care for patients and providers. She aligns her current work with her mission to put the patient at the center of health care. Recently her interests have expanded to include hospitality in health care, digital experiences, and culturally competent care. She graduated from the Health Management and Policy program at the University of Michigan’s School of Public Health in 2018 with an MHSA. She has a BA and a BS from Michigan State University.
Manager of Innovation, Meritus Health & DrPH Student, Johns Hopkins Bloomberg School of Public Health
Marianthi is the Manager of Innovation at Meritus Health and currently pursuing her doctorate in public health at the Johns Hopkins Bloomberg School of Public Health. She previously was the manager of government relations and program manager of the rapid implementation of strategic experiments program at Anne Arundel Medical Center. Prior to that, she served as a program supervisor for the neuroscience institute at Parkview Health. Marianthi holds a master's degree in Health Services Administration from the University of Michigan. Her Bachelor of Science in Neuroscience, a Bachelor of Arts in English, and a Bachelor of Science in Human Biology are all from Indiana University.
Sarah interned with V-BID in the summer of 2016, and is currently an MPH student at the University of Michigan's School of Public Health. Her interests include health policy reform, health education, and LGBTQ access to quality healthcare.
Community Management Associate, Udemy
Jocelyn graduated from UC Berkeley with a Bachelor’s of Public Health in 2017. Since then, she has dived into the world of community engagement – first at Spoon University and now at Udemy – where she brings a public health mindset of upstream problem solving to everything she does.
Healthy Communities Program Specialist, Whatcom County Health Department
Ali received her Master’s of Public Health in Health Management and Policy from the University of Michigan in 2016. After two years working for a Medicaid Managed Care Organization, she is now a civil servant at the Whatcom County Health Department in Bellingham, Washington. As Program Specialist of Healthy Communities, her work centers on the Food System and Health Equity.
Jaren Kirkland is a senior at the University of Michigan majoring in Community and Global Public Health. He wants to bring about change to the healthcare system in order to improve the lives and health of underrepresented minorities.
Student, Community and Global Public Health, University of Michigan
Kerry Lindquist is a Senior at the University of Michigan pursuing a Bachelor of Arts in Community and Global Public Health in the School of Public Health. Kerry previously worked as a Policy Analyst for the CLOSUP research center affiliated with Michigan’s Gerald R. Ford School of Public Policy, helping to coordinate and market events involving local, state, and urban policy. She is particularly interested in ethical approaches to health policy and infectious disease control. This past summer, Kerry worked for Dr. Dana Telem in the Center for Healthcare Outcomes and Policy, providing research assistance and consultation on workplace conflicts between women surgeons and other non-physician healthcare staff. In her spare time, Kerry loves try new restaurants in downtown Ann Arbor with friends and rewatch episodes of ‘Criminal Minds'.
Medical Student, Washington University in St. Louis
Hannah Lucas is a medical student at Washington University in St. Louis where she plans to pursue a combined MD/MPH. Though she majored in Neuroscience and German as an undergraduate at the University of Michigan, Hannah’s minor in Gender & Health and time spent abroad led her to develop an interest in health policy and its impact on health disparities. Now that she is studying to become a physician and involved in caring for a diverse patient population in St. Louis, Hannah routinely sees the impact of these policies and is using skills she learned in her time with the V-BID Center to study resulting disparities, especially those in maternal and child health outcomes.
Winston Health Policy Fellow, U.S. Senate Committee on Finance
Kristen is currently a Winston Health Policy Fellow with the U.S. Senate Committee on Finance. She graduated in 2018 with a Master of Public Health in Health Management and Policy from the University of Michigan School of Public Health. She previously interned with the Kaiser Permanente Medical Group and held positions at the Children’s Hospital of Wisconsin and the International Rescue Committee. She received a Bachelor of Arts from the University of Wisconsin-Madison.
Medical Student, Northwestern Feinberg School of Medicine
Adwaiy is a medical student at Northwestern’s Feinberg School of Medicine. He went to Northwestern for his undergraduate degree and majored in Neuroscience. After working at V-BID, he began to focus on his research interests of technology and medicine. His work encompassed the use of machine learning to help individuals monitor their diet and caloric intake. He is currently focused on his medical studies and excited to learn about how he can best improve the health of his patients in the future.
National Coverage for Innovation Intern, Families USA
Hannah Markus is currently a full-time Intern at Families USA in Washington D.C. where she works on the National Coverage for Innovation team. She recently graduated from the University of Washington with a degree in Public Health. Before entering her senior year, Hannah worked as a Research Assistant at the V-BID Center. In her current work, she integrates the V-BID framework and concepts into her projects that advise state and federal policymakers how to expand access to healthcare coverage. Hannah credits V-BID for her sparking her interest in addressing health inequities through improved public insurance plans.
Consultant, Avalere Health, LLC
Ruth currently works at a health policy consulting firm, Avalere Health, where she helps companies, advocacy organizations, and trade associations navigate the ever-changing legislative and regulatory landscape. Prior to Avalere, Ruth worked in the Office of Health Policy for the US Department of Health and Human Services for the Assistant Secretary for Planning and Evaluation (ASPE). She also provided technical assistance to state Medicaid programs at the Center for Evidence-based Policy at Oregon Health & Science University. In Congress, Ruth served nearly 7 years as a healthcare staffer for House Majority Leader Steny Hoyer (MD) and Congressman Jim Cooper (TN) during the enactment and early implementation of the Affordable Care Act. Ruth began her career working on communications campaigns for healthcare clients at public relations and production firm GMMB. Ruth has an MPH in health management and policy and an MPP from the University of Michigan. She earned her BA in the history of science and medicine from the University of Illinois at Urbana–Champaign.
Senior Associate, Stanton Road Capital
Michael Richard (Rick) McKellar, MHSA is a Senior Associate at Stanton Road Capital, a Los Angeles-based private equity firm specializing in middle market healthcare acquisitions. Mr. McKellar oversees diligence and underwriting of potential acquisitions with a particular focus on financial modeling. Prior to joining Stanton Road, Mr. McKellar spent three years at Paladin Healthcare where he conducted financial diligence of potential hospital acquisition and supported the operations of six community hospitals.
Vice President, Asserta Health
Justin is currently a Vice President at Asserta Health, a patient advocacy service, where he leads the creation of the processes and technology for managing cash payment for complex surgical procedures and professional services to help individuals, employers, TPAs, and fully-insured health plans save money and receive high-quality care. Prior to his work at Asserta Health, Justin worked at Dossia, a Personal Health Record company that was working to make population health personal. At Dossia, Justin led the creation of a Health Rules engine for encouraging effective utilization of health care services by individuals who signed up for a personal health record account. Justin joined Dossia immediately following his time with V-BID.
Electronic Laboratory Reporting Coordinator, Washington State Department of Health
Neetha Mony is the Electronic Laboratory Reporting Coordinator at the Washington State Department of Health.
“People in social services are often divided into two categories: prevention and postvention. Prevention efforts focus on decreasing the number of people who can be affected by an issue. This can include education, stakeholder outreach and engagement, and advocacy efforts on policy change. Postvention is what most people think social workers do. These are the counselors and therapists who enter the picture after the damage has occurred. V-BID’s efforts align with my own desire to decrease the number of people who are exposed to experiences that would require postvention efforts. Working at V-BID helped me see a client-centered, for-profit business model. It wasn’t until I started my current position that I realized how V-BID has changed my problem-solving perspective.”
Ana Sofia Moreno-Mesa
Medical Student, Northwestern Feinber School of Medicine
Ana Sofia is currently a fourth-year medical student at Northwestern’s Feinberg School of Medicine applying into Family Medicine. Her interests include community health, quality improvement research, and social justice advocacy. Prior to beginning medical school, Ana Sofia served as an AmeriCorps VISTA with El Rio Community Health Center, a federally-qualified health center located in Tucson, AZ. She is a recipient of the Army’s Health Professions Scholarship and plans to begin a military medical career upon her graduation from medical school in 2021.
“Learning to manage social media and learning the basics of lobbying have been invaluable skills since leaving V-BID, but what I found most valuable during my experience was learning the vocabulary and base knowledge to understand the healthcare system. Now that I’ve read more widely on the problems plaguing our healthcare system, I’ve decided to pursue an MD/MPH with a focus in public policy, and my summer at V-BID has helped me direct my career interests.”
Director of Strategy, Evolent Health & Digital Health Bloggerm Healthcare Pizza
Andy is a Director at Evolent Health, where he is responsible for developing long-term value-based care operating partnerships with leading health systems, physician groups, and health plans across the country. In addition, Andy is the creator, editor, and head chef, of the digital health-focused blog, Healthcare Pizza. Prior to Evolent, Andy worked for CareFirst Blue Cross Blue Shield in their MBA/MHA graduate development program and Blue Cottage Consulting, an independent healthcare consulting firm specializing in strategy, operations, and facility planning services for hospitals and health systems. Andy holds and MHSA from the University of Michigan and BS from Grand Valley State University.
Research Area Specialist, University of Michigan Medical School
Esther works as a Research Area Specialist at the University of Michigan Medical school and is affiliated with the Center for Healthcare Outcome and Policy. She manages projects under topics of Medicaid expansion and improvement of hospital architecture for better patient outcomes. Esther holds a Master of Public Policy degree and a Bachelor of Science in Biochemistry and Molecular Biology from the University of Massachusetts Amherst.
Senior Consultant, Moss Adams
Pat holds a Master of Public Health in Health Management and Policy from the University of Michigan, and a Bachelor of Science from Tufts University. She is currently a Senior Consultant at Moss Adams where she uses her analytical skills and understanding of the healthcare system - part of which she gained at V-BID - to work with hospital clients and FQHC clients to improve their operations. Outside of work, her interests lie in the intersection of policy, politics, and economics; health law; and making public health topics and research more accessible to all.
Student of Biomedical Engineering, University of Michigan
Madhu is currently a student at University of Michigan studying Biomedical Engineering. She worked within the V-BID Center during her freshman year, and continued on to be a lab assistant at the Center for Arrhythmia Research in the Department of Internal Medicine.
Student, University of Michigan School of Public Health
Madeleine is a second-year graduate student pursuing a Master of Health Services Administration at the University of Michigan School of Public Health. She received her Bachelors of Arts in Biopsychology, Cognition, and Neuroscience with a minor in Gender and Health from the University of Michigan.
Haley recently graduated from the University of Michigan with a Bachelor of Science in Biology, Health and Society and Southeast Asian Studies. She is a previous V-BID Center Summer Intern, and continued her work with us during her gap year. While at the V-BID Center, Haley learned more about the role that clinically nuanced benefit design can play in providing better care and promoting health equity for consumers. In her free time, Haley enjoys volunteering at the Humane Society of Huron Valley, reading, baking and visiting new places.
Medical Student, University of Michigan Medical School
Caroline is a medical student at the University of Michigan Medical School. She graduated from the University of Michigan in 2019 with a degree in Biomolecular Science and Anthropology. Caroline strives to combine medicine and anthropology to study the social determinants of health and to reduce health disparities. Through her work with the V-BID Center, Caroline enjoyed learning more about health policy measures that could improve access and reduce health care disparities across the United States. Outside of school, Caroline enjoys yoga, running, and traveling.
Student, University of Michigan School of Public Health
Sarah is currently a third-year graduate student pursuing a Master of Public Health in Health Management and Policy at the University of Michigan’s School of Public Health and a Master of Business Administration from the Ross School of Business. She graduated from the University of Pennsylvania in 2012 with a BA in Urban Studies and Medical Anthropology. She previously worked at L&M Policy Research, a health services research and consulting firm in Washington, D.C and completed internships at PwC and UnitedHealthcare. Her interests include consumer engagement with health insurance, improving health equity, and the intersection of health policy and business strategy.
Graduate Student, University of Michigan Medical School
Mason Runge is a recent graduate from The University of Texas, where he studied finance. He will begin medical school at The University of Michigan in the fall of 2016, and has interests in health policy, economics, and administration.
Student, University of Chicago Pritzker School of Medicine
Maggie graduated from the University of Michigan in 2018, working with the V-BID Center during her last two years there. She is now in medical school at the University of Chicago Pritzker School of Medicine. Maggie's work at the V-BID Center has given her a critical lens through which she views our healthcare system, and she looks forward to integrating her lessons in individual medicine with this systems-based approach as she moves through her medical school career.
Medical Student, University of Michigan Medical School
Beth is a first year medical student at the University of Michigan. She is interested in the interplay between healthcare policy and population hopes to pursue a career in primary care and healthcare advocacy. During her time at the V-BID Center, she was very grateful to learn strategies to advocate for patients in her future career. Outside of work, Beth likes to play intramural walleyball, read, and try new restaurants.
Research Assistant, University of California San Francisco Breast Care Center
Rashna recently graduated from the University of Michigan with a Bachelor of Science in Neuroscience and a minor in Spanish. While at the V-BID Center, Rashna discovered her interest in innovative approaches to improving affordability and quality of care. Rashna previously worked at the Centers for Medicare and Medicaid Services on the Medicare Advantage Value-Based Insurance Design Model, as well as for the National Cancer Institute's Healthcare Delivery Research Program. She currently works at the University of California Breast Care Center and will be applying to medical school in the summer. Apart from work, Rashna loves comedy shows and eating spicy food.
Research Assistant, Medicare Payment Advisory Commission
Bhavya Sukhavasi is a recent graduate of the Gerald R. Ford School of Public Policy with a minor in Writing at the University of Michigan. As a public policy student, Bhavya always knew her concentration would be health care policy. While at the V-BID Center, Bhavya gained insight into how the system can deliver high-value care to the people that need it.
Medical Student, Rutgers Robert Wood Johnson Medical School
Monica Sridhar graduated from Case Western Reserve University in 2014 as a Chemistry major and Business Management minor. During this time, Monica worked at V-BID because because she became interested in process improvement and ways to enhance the American healthcare system. Here, she was able to understand a unique approach to lowering the cost of health care while increasing its quality. She used this experience to continue her progress in the healthcare policy field and landed an internship during her gap year at the Patient and Family Centered Care Center at the University of Pittsburgh.
Fellow, Henry Ford Health System Office of the CEO
Sharon Thomas is currently an Administrative Fellow at Henry Ford Health System. Sharon grew up in Chennai, India and Farmington Hills, Michigan. She earned a Bachelor of Science in Biopsychology, Cognition, and Neuroscience with a minor in Gender & Health (Women’s Studies) from the University of Michigan, Ann Arbor in 2014. Following graduation, she then pursued a Master of Health Services Administration (MHSA) at the University of Michigan (’20). During her time at the University of Michigan, she worked at the V-BID Center as a Graduate Research Analyst as well as Michigan Medicine as a Clinical Research Analyst with the Ventricular Assist Device (VAD) team on numerous clinical research studies and quality improvement initiatives. Sharon completed her administrative internship at Sutter Health with the Palo Alto Medical Foundation (PAMF) in Fremont, California. Sharon's interests include strategy, operations, value-based care, population health, chronic health conditions, and health disparities. Outside of work, Sharon enjoys spending time with family and friends, traveling, dancing, and exploring new cuisines and restaurants.
Louisa (Wolcott) Laidlaw
Administrative Director, Precision Medicine Program; Program Coordinator, Administrative Fellowship Program - Henry Ford Health System
As the Director of the HFCI Precision Medicine Program, Louisa is responsible for ensuring HFCI patients receive the most highly personalized, targeted treatment for their cancer. Louisa oversees program staff and multidisciplinary committees working on the foundational elements critical to the practice of Precision Medicine, including the Syapse point-of-care data platform, genomic testing, the molecular tumor board, and the biorepository. In partnership with the Precision Medicine Medical Director Tom Mikkelsen, M.D., Louisa is building on the HFCI Precision Medicine infrastructure for a non-cancer Precision Medicine initiative. The goal is to offer genomics-based prevention and screening, diagnostics, pharmacogenetics and other treatments, for specialties including Cardiology, Infectious Diseases, Behavioral Health, Transplant and Neurology.
Student, University of Michigan College of Pharmacy
Charles Yoo is a dual degree Pharm.D / M.S. student at the University of Michigan College of Pharmacy. Charles is interested in creating an affordable and sustainable healthcare environment by promoting high value medications and improved primary care system. He is interested in innovative healthcare practices, medication affordability, and medications that improve patient outcomes.
Business Consultant, Permanente Medical Group
Ryan is currently a Business Consultant for The Permanente Medical Group, part of parent organization Kaiser Permanente. In 2019, he graduated from the University of Michigan School of Public Health with a Master of Health Services Administration degree, and spent the following year as an Administrative Fellow at Beaumont Health. Ryan is interested in operational process improvement, mergers and acquisitions, and consumer-focused innovations in healthcare insurance market