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      • January 2023
      • Case

      Thomas Buberl: Refounding AXA

      By: Hubert Joly, Mihir Desai and Amram Migdal
      In 2022, AXA and its CEO Thomas Buberl faced new types of challenges, including systemic risks such as climate change, geopolitical instability, public health crises, and social tensions caused by economic risks. AXA was one of the world’s largest insurers. Since...  View Details
      Keywords: Change; Change Management; Transformation; Transition; Trends; Environmental Management; Climate Change; Ethics; Values and Beliefs; Finance; Insurance; Management; Management Succession; Risk Management; Organizations; Corporate Social Responsibility and Impact; Mission and Purpose; Organizational Change and Adaptation; Planning; Strategic Planning; Risk and Uncertainty; Society; Human Needs; Social Issues; Strategy; Adaptation; Business Strategy; Corporate Strategy; Insurance Industry; Europe; France; Paris
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      Joly, Hubert, Mihir Desai, and Amram Migdal. "Thomas Buberl: Refounding AXA." Harvard Business School Case 523-059, January 2023.
      • 2023
      • Working Paper

      Achieving Universal Health Insurance Coverage in the United States: Addressing Market Failures or Providing a Social Floor?

      By: Katherine Baicker, Amitabh Chandra and Mark Shepard
      The United States spends substantially more on health care than most developed countries, yet leaves a greater share of the population uninsured. We suggest that incremental insurance expansions focused on addressing market failures will propagate inefficiencies and...  View Details
      Keywords: Public Sector; Insurance; Health Care and Treatment; Policy; Innovation and Invention
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      Baicker, Katherine, Amitabh Chandra, and Mark Shepard. "Achieving Universal Health Insurance Coverage in the United States: Addressing Market Failures or Providing a Social Floor?" NBER Working Paper Series, No. 30854, January 2023.
      • November 2022
      • Case

      The Battle Among Channels for Marketing Pharmaceuticals: UpScript, Pharmacy Benefit Managers, and Direct-to-Consumer Sales

      By: Regina E. Herzlinger and Tiffany Farrell
      Can an online pharmacy both improve the quality and speed of care for patients who need branded drugs and stabilize profits for pharmaceutical manufacturers? UpScript, after years spent achieving legal and regulatory compliance and simultaneous technological innovation...  View Details
      Keywords: DTC; Internet and the Web; Marketing Channels; Customer Value and Value Chain; Governing Rules, Regulations, and Reforms; Competitive Strategy; Service Delivery; Growth and Development Strategy; Health Industry; Health Industry; Health Industry
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      Herzlinger, Regina E., and Tiffany Farrell. "The Battle Among Channels for Marketing Pharmaceuticals: UpScript, Pharmacy Benefit Managers, and Direct-to-Consumer Sales." Harvard Business School Case 323-031, November 2022.
      • September 2022
      • Technical Note

      Addressing Social Determinants of Health in the American Landscape

      By: Susanna Gallani and Jacob Riegler
      Social determinants of health (SDOH) have gained significant attention in recent years. A growing body of research shows that a person’s health is influenced by a large number of non-genetic factors, most of which operate outside the realm of health care and are...  View Details
      Keywords: Socioeconomic Determinants Of Health; Social Determinants Of Health; Population Health; Health; Health Care and Treatment; Social Issues; Health Industry; Health Industry; Health Industry; United States
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      Gallani, Susanna, and Jacob Riegler. "Addressing Social Determinants of Health in the American Landscape." Harvard Business School Technical Note 123-023, September 2022.
      • 2022
      • Article

      Rapid Growth of Remote Patient Monitoring Is Driven by a Small Number of Primary Care Providers

      By: Mitchell Tang, Ateev Mehrotra and Ariel Dora Stern
      Growing enthusiasm for remote patient monitoring has been motivated by the hope that it can improve care for patients with poorly controlled chronic illness. In a national commercially insured population in the U.S., we found that billing for remote patient monitoring...  View Details
      Keywords: Remote Monitoring; Medical Billing; Health Care Costs; Telehealth; Diabetes; Chronic Disease; Insurance Claims; Diseases; Primary Care Providers; COVID-19 Pandemic; Health Care and Treatment; Insurance; Cost; Health Industry; United States
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      Tang, Mitchell, Ateev Mehrotra, and Ariel Dora Stern. "Rapid Growth of Remote Patient Monitoring Is Driven by a Small Number of Primary Care Providers." Health Affairs 41, no. 9 (2022): 1248–1254.
      • August 2022 (Revised January 2023)
      • Case

      Icario Health: AI to Drive Health Engagement

      By: David C. Edelman
      Icario Health has built a market-leading artificial intelligence (AI) engine to help health insurers drive better health behaviors for their members, enabling the insurers to improve their Medicare performance.  View Details
      Keywords: Marketing; Health Care and Treatment; AI and Machine Learning; Health Industry; United States
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      Edelman, David C. "Icario Health: AI to Drive Health Engagement." Harvard Business School Case 523-025, August 2022. (Revised January 2023.)
      • Article

      Early Withdrawal of Pandemic Unemployment Insurance: Effects on Earnings, Employment and Consumption

      By: Kyle Coombs, Arindrajit Dube, Calvin Jahnke, Raymond Kluender, Suresh Naidu and Michael Stepner
      In June 2021, 22 states ended all supplemental pandemic unemployment insurance (UI) benefits, eliminating benefits entirely for over 2 million workers and reducing benefits by $300 per week for over 1 million workers. Using anonymous bank transaction data and a...  View Details
      Keywords: COVID-19 Pandemic; Unemployment Insurance; Health Pandemics; Insurance; Employment; Financial Condition; Spending; Government Administration
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      Coombs, Kyle, Arindrajit Dube, Calvin Jahnke, Raymond Kluender, Suresh Naidu, and Michael Stepner. "Early Withdrawal of Pandemic Unemployment Insurance: Effects on Earnings, Employment and Consumption." AEA Papers and Proceedings 112 (May 2022): 85–90.
      • April 2022
      • Teaching Note

      CVS Health: Prescription for Transformation

      By: Rosabeth Moss Kanter and Catarina Martinez
      In 2021, new CEO Karen Lynch (named the most powerful woman in business) considered the next transformation phase for CVS Health (a Fortune 5 corporate giant). The 2018 acquisition of Aetna insurance brought her to the company as part of its long evolution from a...  View Details
      Keywords: Health; COVID-19 Pandemic; Primary Care; Leadership; Change Management; Women Executives; Retail; Pharmacy; Pharmacy Benefit Manager; Clinical Trials; Vaccination; Acquisition; Innovation and Invention; Transformation; Health Industry; Health Industry; Health Industry; United States
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      Kanter, Rosabeth Moss, and Catarina Martinez. "CVS Health: Prescription for Transformation." Harvard Business School Teaching Note 322-122, April 2022.
      • April 2022
      • Article

      AI Insurance: How Liability Insurance Can Drive the Responsible Adoption of Artificial Intelligence in Health Care

      By: Ariel Dora Stern, Avi Goldfarb, Timo Minssen and W. Nicholson Price II
      Despite enthusiasm about the potential to apply artificial intelligence (AI) to medicine and health care delivery, adoption remains tepid, even for the most compelling technologies. In this article, the authors focus on one set of challenges to AI adoption: those...  View Details
      Keywords: Artificial Intelligence; Medicine; Health Care and Treatment; Legal Liability; Insurance; Technology Adoption; AI and Machine Learning
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      Stern, Ariel Dora, Avi Goldfarb, Timo Minssen, and W. Nicholson Price II. "AI Insurance: How Liability Insurance Can Drive the Responsible Adoption of Artificial Intelligence in Health Care." NEJM Catalyst Innovations in Care Delivery 3, no. 4 (April 2022).
      • February 2022 (Revised April 2022)
      • Case

      CVS Health: Prescription for Transformation

      By: Rosabeth Moss Kanter and Tuna Cem Hayirli
      In 2021, new CEO Karen Lynch (named the most powerful woman in business) considered the next transformation phase for CVS Health (a Fortune 5 corporate giant. The 2018 acquisition of Aetna insurance brought her to the company as part of its long evolution from a...  View Details
      Keywords: COVID; Caregiving; Healthcare; Access; Change; Retail; Health; Health Care and Treatment; Organizational Change and Adaptation; Transformation; Health Industry; Health Industry
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      Kanter, Rosabeth Moss, and Tuna Cem Hayirli. "CVS Health: Prescription for Transformation." Harvard Business School Case 322-091, February 2022. (Revised April 2022.)
      • February 2022
      • Case

      Sekisui House and the In-Home Early Detection Platform

      By: John D. Macomber and Akiko Kanno
      To address an aging population and sales declines, major Japanese homebuilder considers pivoting to provide and support an in-home health detection platform, in competition with tech companies. This case considers the point of view of major builders regarding how...  View Details
      Keywords: Voice Assistants; Architecture; Smart Home; Aging Society; Digitalization; Real Estate; Home Automation; Sensors; Strategy; Digital Platforms; Health Care and Treatment; Housing; Age; Health Industry; Health Industry; Health Industry; Japan
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      Macomber, John D., and Akiko Kanno. "Sekisui House and the In-Home Early Detection Platform." Harvard Business School Case 222-070, February 2022.
      • 2 Dec 2021
      • Interview

      How To Make Healthcare Innovation Happen

      By: Regina E. Herzlinger
      Regina Herzlinger has been called “the godmother of consumer-driven healthcare” because of her groundbreaking scholarly articles and books on the subject. As a professor of business administration at Harvard Business School for nearly 50 years, her focus has supported...  View Details
      Keywords: Health Care and Treatment; Innovation and Invention
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      Herzlinger, Regina E. "How To Make Healthcare Innovation Happen." Raise the Line (podcast), Osmosis, December 2, 2021.
      • 2021
      • Working Paper

      Detecting Anomalous Patterns of Care Using Health Insurance Claims

      By: Sriram Somanchi, Edward McFowland III and Daniel B. Neill
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      Somanchi, Sriram, Edward McFowland III, and Daniel B. Neill. "Detecting Anomalous Patterns of Care Using Health Insurance Claims." Working Paper, 2021. (In Preparation.)
      • Article

      Regulating Hospital Prices Based on Market Concentration Is Likely to Leave High-Price Hospitals Unaffected

      By: Maximilian J. Pany, Michael E. Chernew and Leemore S. Dafny
      Concern about high hospital prices for commercially insured patients has motivated several proposals to regulate these prices. Such proposals often limit regulations to highly concentrated hospital markets. Using a large sample of 2017 US commercial insurance claims,...  View Details
      Keywords: Health Care Providers; Hospitals; Insurance Market Regulation; Price Regulation; Markets; Health Care and Treatment; Cost; Quality; Insurance; Price; Governing Rules, Regulations, and Reforms
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      Pany, Maximilian J., Michael E. Chernew, and Leemore S. Dafny. "Regulating Hospital Prices Based on Market Concentration Is Likely to Leave High-Price Hospitals Unaffected." Health Affairs 40, no. 9 (September 2021): 1386–1394.
      • 2021
      • Working Paper

      Do Policies to Increase Access to Treatment for Opioid Use Disorder Work?

      By: Eric Barrette, Leemore S. Dafny and Karen Shen
      As of 2016 there were an estimated 2.1 million Americans suffering from opioid use disorder (OUD). To date, most policy interventions have focused on curbing opioid prescriptions and extending insurance coverage to include substance use disorder. However, relatively...  View Details
      Keywords: Opioid Treatment; Medication-assisted Treatment; Substance Use Disorder; Private Insurance; Health Care and Treatment; Health Disorders; Insurance; United States
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      Barrette, Eric, Leemore S. Dafny, and Karen Shen. "Do Policies to Increase Access to Treatment for Opioid Use Disorder Work?" NBER Working Paper Series, No. 29001, July 2021.
      • June 15, 2021
      • Article

      Cutting the Gordian Knot of Employee Health Care Benefits and Costs: A Corporate Model Built on Employee Choice

      By: Regina E. Herzlinger and Barak D. Richman
      President Joe Biden’s promise to give every American access to affordable health insurance is well-intentioned, but his plan’s policy elements—a public option, a permanent expanded tax credit—require congressional approval and would expend significant political and...  View Details
      Keywords: Health Insurance; Health Insurance Marketplaces; Health Care Delivery; Health Care Financing; Health Care Industry; Health Care and Treatment; Insurance; Service Delivery; Cost Management; Health Industry; United States
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      Herzlinger, Regina E., and Barak D. Richman. "Cutting the Gordian Knot of Employee Health Care Benefits and Costs: A Corporate Model Built on Employee Choice." Health Affairs Blog (June 15, 2021).
      • June 10, 2021
      • Article

      Preparing Hospitals for the Next Pandemic

      By: Regina E. Herzlinger and Barak D. Richman
      The COVID-19 epidemic response has shown that the U.S. is blessed with heroic physicians and other health care providers, researchers, and facilities. But it has also revealed a health care system that was woefully unprepared for the surge of pandemic patients. In the...  View Details
      Keywords: Hospital; Hospital Management; Hospitals—administration; Health Care; Health Care Industry; Health Care Investment; Health Care Operations; Health Pandemics; Health Care and Treatment; Operations; Performance Improvement; Investment; Health Industry; United States
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      Herzlinger, Regina E., and Barak D. Richman. "Preparing Hospitals for the Next Pandemic." Harvard Business Review Digital Articles (June 10, 2021).
      • June 2021
      • Case

      uBiome

      By: Thomas R. Eisenmann and Olivia Graham
      uBiome provided clinical tests that sequenced the DNA of human microbiome samples, providing data on health conditions directly to consumers or to prescribing physicians. Founded in 2012, the San Francisco-based startup raised $105 million from top-tier venture capital...  View Details
      Keywords: Business Startups; Crime and Corruption; Insolvency and Bankruptcy
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      Eisenmann, Thomas R., and Olivia Graham. "uBiome." Harvard Business School Case 821-076, June 2021.
      • 2021
      • Working Paper

      The Great Unequalizer: Initial Health Effects of COVID-19 in the United States

      By: Marcella Alsan, Amitabh Chandra and Kosali I. Simon
      We measure inequities from the COVID-19 pandemic on mortality and hospitalizations in the United States during the early months of the outbreak. We discuss challenges in measuring health outcomes and health inequality, some of which are specific to COVID-19 and others...  View Details
      Keywords: COVID-19; Health Inequality; Health Pandemics; Demographics; Equality and Inequality
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      Alsan, Marcella, Amitabh Chandra, and Kosali I. Simon. "The Great Unequalizer: Initial Health Effects of COVID-19 in the United States." NBER Working Paper Series, No. 28958, June 2021.
      • March 2021
      • Case

      Humana (A)

      By: Regina E. Herzlinger and Ashley Ifeadike
      To implement a bold new strategy, Humana needed to decide how to prioritize the pillars; where to own and where to partner; how much risk is acceptable; and how to continue to deliver strong operational performance while implementing a new strategy. Had the firm made...  View Details
      Keywords: Health & Wellness; Health Care Industry; Health Care Costs; Health Insurance; Health Insurance Marketplaces; Health Care and Treatment; Cost; Insurance; Strategy; Health Industry; United States
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      Herzlinger, Regina E., and Ashley Ifeadike. "Humana (A)." Harvard Business School Case 321-097, March 2021.
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