CINXE.COM

<!DOCTYPE html><html dir="ltr" lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1.0"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><script>var McKinsey = {"ArticleTemplate":"","DaysSinceCMSPublication":"538","DisplayDate":"1/1/1","OriginalPublicationDate":"11/22/2024","SitecoreId":"{656F48D3-B23F-47EF-97CF-F4F30D3BCF7B}","Title":"Commercial","ArticleType":"","ContentType":"Industries Service Line","ServerNumber":"","IsPageRestricted":"false","UserID":"","RegistrationDate":"","LoginStatus":"logged_out","JobTitle":"","CompanyName":"","blogTags":null,"enableRegWall":false}; var pageMetaInformation = {"CurrentLanguage":"en","AlternateLanguages":[{"DisplayName":"English","LanguageCode":"en","Url":"/industries/healthcare/how-we-help-clients/americas/commercial"}],"NavigationLink":"industries","ActiveItemId":"{C65BB07B-FCA0-4CBA-9B9C-DE44218CA746}","OfficeCode":"","MiniSiteId":"{9355FD92-4458-4A6E-931E-5F4B6015ADB1}"};</script><link rel="icon" href="/favicon.ico"/><link href="https://www.mckinsey.com/redesign/resources/css/styles-rc.css" rel="stylesheet"/><link rel="manifest" href="/manifest.json"/><link rel="dns-prefetch" href="//cdn.dynamicyield.com"/><link rel="dns-prefetch" href="//st.dynamicyield.com"/><link rel="dns-prefetch" href="//rcom.dynamicyield.com"/><link rel="dns-prefetch" href="//cdn.cookielaw.org"/><link rel="preconnect" href="//assets.adobedtm.com"/><link rel="preconnect" href="//connect.facebook.net"/><link rel="preconnect" href="//static.hotjar.com"/><link rel="preload" as="font" href="/next-static/fonts/bower/Bower-Bold.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/mckinsey-sans/regular/McKinseySans-Regular.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/mckinsey-sans/medium/McKinseySans-Medium.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/mckinsey-sans/light/McKinseySans-Light.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/mckinsey-sans/italic/McKinseySans-Italic.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/mckinsey-sans/light-italic/McKinseySans-LightItalic.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/mckinsey-sans/medium-italic/McKinseySans-MediumItalic.woff2" type="font/woff2" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/noto-sans-jp/NotoSansJP-Light.ttf" type="font/ttf" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/noto-sans-jp/NotoSansJP-Regular.ttf" type="font/ttf" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/noto-sans-jp/NotoSansJP-Medium.ttf" type="font/ttf" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/noto-sans-jp/NotoSansJP-Bold.ttf" type="font/ttf" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/noto-sans-jp/NotoSansJP-Black.ttf" type="font/ttf" crossorigin=""/><link rel="preload" as="font" href="/next-static/fonts/noto-serif-jp/NotoSerifJP-Bold.ttf" type="font/ttf" crossorigin=""/><title>Commercial | Healthcare | McKinsey & Company</title><meta name="apple-itunes-app" content="app-id=674902075"/><link rel="apple-touch-icon" sizes="57x57" href="/next-static/images/mck-touch-icon-57x57.png"/><link rel="apple-touch-icon" sizes="72x72" href="/next-static/images/mck-touch-icon-72x72.png"/><link rel="apple-touch-icon" sizes="114x114" href="/next-static/images/mck-touch-icon-114x114.png"/><link rel="apple-touch-icon" sizes="144x144" href="/next-static/images/mck-touch-icon-144x144.png"/><link rel="apple-touch-icon" sizes="152x152" href="/next-static/images/mck-touch-icon-152x152.png"/><link rel="apple-touch-icon" sizes="167x167" href="/next-static/images/mck-touch-icon-167x167.png"/><link rel="apple-touch-icon" sizes="180x180" href="/next-static/images/mck-touch-icon-180x180.png"/><meta content="no-referrer-when-downgrade" name="referrer"/><meta content="McKinsey & Company" property="og:site_name" name="site_name"/><meta content="Commercial" property="og:title" name="title"/><meta content="We help payer organizations drive sustainable growth and improve customer outcomes using data and analytics." property="og:description" name="description"/><meta content="https://www.mckinsey.com/industries/healthcare/how-we-help-clients/americas/commercial" name="url" property="og:url"/><meta content="index,follow,all" name="robots"/><meta content="https://www.mckinsey.com/~/media/mckinsey/industries/healthcare%20systems%20and%20services/how%20we%20help%20clients/americas/commercial/commercial_thumb_650045417_1536x1536.jpg" property="og:image" name="image"/><meta content="{656F48D3-B23F-47EF-97CF-F4F30D3BCF7B}" name="sid"/><link href="https://www.mckinsey.com/industries/healthcare/how-we-help-clients/americas/commercial" rel="canonical"/><meta content="Healthcare" name="practice-name"/><meta content="N16" name="practice-code"/><meta content="summary_large_image" name="twitter:card"/><meta content="@mckinsey" name="twitter:site"/><meta content="Commercial" name="twitter:title"/><meta content="We help payer organizations drive sustainable growth and improve customer outcomes using data and analytics." name="twitter:description"/><meta content="https://www.mckinsey.com/~/media/mckinsey/industries/healthcare%20systems%20and%20services/how%20we%20help%20clients/americas/commercial/commercial_thumb_650045417_1536x1536.jpg?mw=677&car=42:25" name="twitter:image"/><meta content="Commercial" name="twitter:image:alt"/><meta content="Americas | How We Help Clients | Healthcare | Commercial" name="searchresults-tags"/><meta content="Industries Service Line" name="contenttype"/><meta name="next-head-count" content="55"/><meta name="next-font-preconnect"/><script src="" id="onetrust-wrapperchecker" data-nscript="beforeInteractive">function OptanonWrapperChecker() {}</script><link rel="preload" href="/_next/static/css/e0c1ca92b5263a45.css" as="style"/><link rel="stylesheet" href="/_next/static/css/e0c1ca92b5263a45.css" data-n-g=""/><link rel="preload" href="/_next/static/css/985443d8095c0b48.css" as="style"/><link rel="stylesheet" href="/_next/static/css/985443d8095c0b48.css" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-5cd94c89d3acac5f.js"></script><script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" data-document-language="true" type="text/javascript" data-domain-script="915b5091-0d7e-44d2-a8c4-cf08267e52fe" defer="" data-nscript="beforeInteractive"></script><script src="/_next/static/chunks/webpack.7b31c4548c626f3b.js" defer=""></script><script src="/_next/static/chunks/framework.62bbe2ca94854a85.js" defer=""></script><script src="/_next/static/chunks/main.51e10588adc949ca.js" defer=""></script><script src="/_next/static/chunks/pages/_app.5f99628c3d07543d.js" defer=""></script><script src="/_next/static/chunks/3b1baa31.cd6cdac6158774d8.js" defer=""></script><script src="/_next/static/chunks/7d0bf13e.8f3383787afb45af.js" defer=""></script><script src="/_next/static/chunks/1354.c34ddc4bd7c986c8.js" defer=""></script><script src="/_next/static/chunks/408.2780008a4c2ee197.js" defer=""></script><script src="/_next/static/chunks/pages/%5B%5B...path%5D%5D.eb738e7c87df0dc8.js" defer=""></script><script src="/_next/static/9vYT_fWQKRjfPT7lAZJdB/_buildManifest.js" defer=""></script><script src="/_next/static/9vYT_fWQKRjfPT7lAZJdB/_ssgManifest.js" defer=""></script><script src="/_next/static/9vYT_fWQKRjfPT7lAZJdB/_middlewareManifest.js" defer=""></script> <script>(window.BOOMR_mq=window.BOOMR_mq||[]).push(["addVar",{"rua.upush":"false","rua.cpush":"false","rua.upre":"false","rua.cpre":"false","rua.uprl":"false","rua.cprl":"false","rua.cprf":"false","rua.trans":"","rua.cook":"false","rua.ims":"false","rua.ufprl":"false","rua.cfprl":"false","rua.isuxp":"false","rua.texp":"norulematch","rua.ceh":"false","rua.ueh":"false","rua.ieh.st":"0"}]);</script> <script>!function(a){var e="https://s.go-mpulse.net/boomerang/",t="addEventListener";if("False"=="True")a.BOOMR_config=a.BOOMR_config||{},a.BOOMR_config.PageParams=a.BOOMR_config.PageParams||{},a.BOOMR_config.PageParams.pci=!0,e="https://s2.go-mpulse.net/boomerang/";if(window.BOOMR_API_key="TURRK-8ADJT-WDUC5-TC32E-KV9ND",function(){function n(e){a.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!a.BOOMR||!a.BOOMR.version&&!a.BOOMR.snippetExecuted){a.BOOMR=a.BOOMR||{},a.BOOMR.snippetExecuted=!0;var i,_,o,r=document.createElement("iframe");if(a[t])a[t]("load",n,!1);else if(a.attachEvent)a.attachEvent("onload",n);r.src="javascript:void(0)",r.title="",r.role="presentation",(r.frameElement||r).style.cssText="width:0;height:0;border:0;display:none;",o=document.getElementsByTagName("script")[0],o.parentNode.insertBefore(r,o);try{_=r.contentWindow.document}catch(O){i=document.domain,r.src="javascript:var d=document.open();d.domain='"+i+"';void(0);",_=r.contentWindow.document}_.open()._l=function(){var a=this.createElement("script");if(i)this.domain=i;a.id="boomr-if-as",a.src=e+"TURRK-8ADJT-WDUC5-TC32E-KV9ND",BOOMR_lstart=(new Date).getTime(),this.body.appendChild(a)},_.write("<bo"+'dy onload="document._l();">'),_.close()}}(),"".length>0)if(a&&"performance"in a&&a.performance&&"function"==typeof a.performance.setResourceTimingBufferSize)a.performance.setResourceTimingBufferSize();!function(){if(BOOMR=a.BOOMR||{},BOOMR.plugins=BOOMR.plugins||{},!BOOMR.plugins.AK){var e=""=="true"?1:0,t="",n="bdpnbeqxgy4diz2cl5ha-f-6c1e9b25f-clientnsv4-s.akamaihd.net",i="false"=="true"?2:1,_={"ak.v":"39","ak.cp":"19387","ak.ai":parseInt("285213",10),"ak.ol":"0","ak.cr":4,"ak.ipv":4,"ak.proto":"http/1.1","ak.rid":"234b010b","ak.r":37669,"ak.a2":e,"ak.m":"a","ak.n":"essl","ak.bpcip":"8.222.208.0","ak.cport":45730,"ak.gh":"23.53.33.206","ak.quicv":"","ak.tlsv":"tls1.2","ak.0rtt":"","ak.0rtt.ed":"","ak.csrc":"-","ak.acc":"reno","ak.t":"1732403022","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==6zaMoWKo6SnrvcOd5lA4ojfj1Owp5NGINLYMQk0ta/XuFrcLao5pmQY5OSjZC3Ve6i7g282tXiOMbjdzAPC9ypNQV1ChyWBR5lGPOX3AVAODU2IRJup926iB0XAUQcyX0vEU3Rq6FyiM4wsVVUIjA/4YzAzk5E+ipyAKuC5VZZxCsPRPOV1j70kE29Xg+T/IJWzSwmTlj3kYN+Xgak/wA+dzIv7yz27zpfAMd4DxmnfXNDpy0i1NDAEjTBOnz+z9o/+VYPZw/eehBVpg6y7zd2JScCWgP0musR4ojTO0RJyh+oa/g3cGr6sC5zXcYbfOI8F0mN/3LKmqRgPCST9JzJ58ZSFOUnWc++Inkdv5z+NKR59paQA9KLPyKaR+nOW9zckZhSDMhP7CHH7yH/gT8CMFI1jMpfNerwLCHgbaj4g=","ak.pv":"581","ak.dpoabenc":"","ak.tf":i};if(""!==t)_["ak.ruds"]=t;var o={i:!1,av:function(e){var t="http.initiator";if(e&&(!e[t]||"spa_hard"===e[t]))_["ak.feo"]=void 0!==a.aFeoApplied?1:0,BOOMR.addVar(_)},rv:function(){var a=["ak.bpcip","ak.cport","ak.cr","ak.csrc","ak.gh","ak.ipv","ak.m","ak.n","ak.ol","ak.proto","ak.quicv","ak.tlsv","ak.0rtt","ak.0rtt.ed","ak.r","ak.acc","ak.t","ak.tf"];BOOMR.removeVar(a)}};BOOMR.plugins.AK={akVars:_,akDNSPreFetchDomain:n,init:function(){if(!o.i){var a=BOOMR.subscribe;a("before_beacon",o.av,null,null),a("onbeacon",o.rv,null,null),o.i=!0}return this},is_complete:function(){return!0}}}}()}(window);</script></head><body><div id="__next" data-reactroot=""><div class="Layout_mck-c-skipbar__K684J"><a data-component="mdc-c-link" href="#skipToMain" class="mdc-c-button___U4iY2_2734c4f mdc-c-button--primary___Ed-lT_2734c4f mdc-c-button--size-medium"><span class="mdc-c-link__label___Pfqtd_2734c4f">Skip to main content</span></a></div><main class="mck-o-container--outer mdc-u-grid-gutter-xxs" data-layer-region="body" role="main" id="skipToMain"><div class="mck-o-container-universal-header" data-layer-region="hero"><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="" data-module-gradient-position="top-right" class="mck-o-edge-to-edge EnhancedHero_mck-c-enhanced-hero__WYifg"><div class="EnhancedHero_mck-c-enhanced-hero__container__xqk6k EnhancedHero_mck-c-enhanced-hero__container--default__CmClc EnhancedHero_mck-c-enhanced-hero__container--not-over-image__tUHjD"><div class="EnhancedHero_mck-c-enhanced-hero__image-container__dApRp"><div><style></style><div data-component="mdc-c-background-image" class="mdc-c-bg-image___GJdv1_2734c4f background-image-94673a36-c81e-415f-a3c3-431f76778058-enhanced-hero EnhancedHero_mck-c-enhanced-hero__bg-image__cJs31 EnhancedHero_mck-c-enhanced-hero__bg-image--not-over-image__6VFON" role="img" aria-label="Commercial"></div><style> .mck-c-enhanced-hero-gradient-94673a36-c81e-415f-a3c3-431f76778058 { display: none; background-image: linear-gradient(to bottom, rgb(255 255 255 / 0%) 0%, rgb(0 0 0 / 100%) 100%, rgb(0 0 0 / 100%) 100%); position: absolute; top: 50%; bottom: 0; left: 0; right: 0; opacity: 0; } @media screen and (min-width: 768px){ .mck-c-enhanced-hero-gradient-94673a36-c81e-415f-a3c3-431f76778058 { display: block; } } </style><div class="mck-c-enhanced-hero-gradient-94673a36-c81e-415f-a3c3-431f76778058"></div></div></div><div class="EnhancedHero_mck-c-enhanced-hero__text-wrapper__USo_H EnhancedHero_mck-c-enhanced-hero__text-wrapper-with-bg-image__Fwh0C"><div class="mdc-o-container__wrapper mdc-u-spaced-mobile "><div class="mdc-o-container__wrapper is-wrapped EnhancedHero_mck-c-enhanced-hero__breadcrumb-wrapper__fLOgf EnhancedHero_mck-c-enhanced-hero__breadcrumb-wrapper--visible__Xbu88"><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas" class="mck-u-screen-only mdc-c-link___lBbY1_2734c4f mdc-c-link--secondary___TSFam_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-sm___2FLYH_2734c4f mck-arrow-left-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f"> Americas</span></a></div></div><div class="mck-o-container EnhancedHero_mck-c-enhanced-hero__full-height__paEpc EnhancedHero_mck-c-enhanced-hero__clip-vertical-overflow__TuC9j"><div class="mck-o-container--wrapped mck-o-container--mobile-spacing EnhancedHero_mck-c-enhanced-hero__full-height__paEpc"><div class="EnhancedHero_mck-c-enhanced-hero__full-height__paEpc"><style> @media screen and (min-width: 768px){ .mck-c-enhanced-hero-generic-items-wrapper-94673a36-c81e-415f-a3c3-431f76778058 { width: 100%; } } </style><div class="EnhancedHero_mck-c-enhanced-hero__generic-items-wrapper__8_oCV EnhancedHero_mck-c-enhanced-hero__generic-items-wrapper--not-over-image__KTtr1 EnhancedHero_mck-c-enhanced-hero__text-align-v-lowest__Ywdt8 mck-c-enhanced-hero__text-align-v-lowest--with-breadcrumb EnhancedHero_mck-c-enhanced-hero__generic-items-wrapper-align-h-center__lmnhK EnhancedHero_mck-c-enhanced-hero__text-content__IUhpM mck-c-enhanced-hero__text-content--default-lowest mck-c-enhanced-hero__text-content--default-lowest-with-breadcrumb"><div class="mck-c-enhanced-hero-generic-items-wrapper-94673a36-c81e-415f-a3c3-431f76778058"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start mdc-u-grid-col-span-12 GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-c-content-block--size-xxl___N8MW3_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h1 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-u-ts-1 mdc-u-align-center"><div>Commercial</div></h1></div></div></div></div></div></div></div></div></div></div></div></div><div class="mck-o-container mck-o-container__area-c"><div class="mck-o-container--wrapped mck-o-container--mobile-spacing"><div class="mdc-u-grid mdc-u-grid-col-1 mdc-u-grid-gutter-xxs mck-o-container-universal-body"><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="FloatingHeroes" class="mck-c-module-wrapper"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8"><div class="mdc-u-grid mdc-u-grid-col-md-12"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-c-content-block--align-center___KRLtu_2734c4f mdc-u-grid-gutter-lg mdc-u-grid-col-md-end-12 mdc-u-grid-col-md-span-12"><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-4"><div class="mck-u-links-inline mdc-u-font-face-primary">Helping payer organizations drive sustainable growth and deliver an enhanced value proposition to customers through distinctive data- and advanced-analytics-driven insights</div></div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="StandalonePromo" data-module-gradient-position="top-right" class="mck-c-full-text-c mck-c-module-wrapper"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mck-c-full-text-c__content-block mdc-u-grid mdc-u-grid-gutter-xxl mdc-u-grid-col-sm-1 mdc-u-grid-col-md-2"><div class="mck-c-full-text-c__column"><div class="FullTextC_mck-c-full-text-c__text-content__3NKIh mck-u-links-inline mdc-o-content-body">Payers in the individual and employer-sponsored health-insurance markets are looking for new ways to improve performance and drive growth. We help clients identify product-innovation, pricing-excellence, sales-force- effectiveness, and ancillary growth levers that can drive sustainable growth, ensuring payers bring improved experience, outcomes, and savings to employers and members.</div></div><div class="mck-c-full-text-c__column"><div class="FullTextC_mck-c-full-text-c__text-content__3NKIh mck-u-links-inline mdc-o-content-body">Over the past two years, we have served a breadth of national and regional carriers, delivering more than $2 billion in earnings growth through our unique data, advanced analytics, and deep expertise-based approaches.</div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="StandalonePromo" data-module-gradient-position="top-right" class="mck-c-general-up mck-c-module-wrapper" data-module-name="general-up"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8"><div class="UpModule_mck-c-up__header__OR_Vx"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-u-align-center UpModule_mdc-c-heading--title__4XbMT"><div>What we do</div></h2></div><div class="mck-c-up__content mdc-u-grid mdc-u-grid-col-sm-1 mdc-u-grid-gutter-xl mdc-u-grid--align-start mdc-u-grid-col-md-2 mdc-u-grid-col-lg-4"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Pricing sophistication</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">We embed industry-best practices, unique data sources, advanced analytics, and years of actuarial experience in our next-generation pricing models for self- and fully insured employers to provide actionable, validated, and impactful strategies for payers to effectively articulate and price the value created for members.</div></div></div></div></div><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Sales-force effectiveness</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">We use proprietary data, predictive analytics, and consultative selling capabilities to help payers drive sales-force effectiveness and seamlessly manage the last mile to brokers, employers, and ultimately - members.</div></div></div></div></div><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Product innovation</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">We leverage cutting-edge broker, consumer, and employer insights (for example, annual survey of 1,000 employers) to design customer-backed commercial offerings to improve experience, affordability, and minimize abrasion.</div></div></div></div></div><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Ancillary growth</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">We help payers develop unique, whole-health-focused value propositions across medical and nonmedical lines of business through our deep expertise in stop-loss, dental, vision, life, and disability insurance.</div></div></div></div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="default" data-module-background="transparent" data-module-category="StandalonePromo" class="Factoid_mck-c-factoid__iaOxL mck-c-module-wrapper mck-o-edge-to-edge mdc-u-grid mdc-u-grid-gutter-xl" data-module-name="factoid"><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="lightest-grey" data-module-category="StandalonePromo" class="Factoid_mck-c-factoid__inner-module-wrapper__Rj84R mck-c-module-wrapper mck-c-module-wrapper--collapse-top-spacing"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8 mck-o-container--wrapped mck-o-container--mobile-spacing"><div class="mck-c-up__content mdc-u-grid mdc-u-grid-col-sm-1 mdc-u-grid-gutter-xl mdc-u-grid--align-start Factoid_mck-c-factoid__items-wrapper__2rAfP mdc-u-grid mdc-u-grid-gutter-xxl mdc-u-grid-col-md-2 mdc-u-grid-col-lg-2"><div class="FactoidItem_mck-c-factoid-item__GissZ FactoidItem_mck-c-factoid-item--with-separator__IZLxE"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-c-content-block--align-center___KRLtu_2734c4f mdc-u-grid-gutter-lg" aria-label=">$2B identified impact in earnings before interest, taxes, depreciation, and amortization"><div aria-hidden="true"><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-fluid-76 mck-c-factoid-item__title FactoidItem_mck-c-factoid-item__title--theme-light__pjYLX">>$0B</div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f FactoidItem_mck-c-factoid-item__subtitle__w4Rvf mck-c-factoid-item__subtitle--large">identified impact</div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8">in earnings before interest, taxes, depreciation, and amortization</div></div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8"></div></div></div><div class="FactoidItem_mck-c-factoid-item__GissZ FactoidItem_mck-c-factoid-item--with-separator__IZLxE"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-c-content-block--align-center___KRLtu_2734c4f mdc-u-grid-gutter-lg" aria-label=">2M membership growth "><div aria-hidden="true"><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-fluid-76 mck-c-factoid-item__title FactoidItem_mck-c-factoid-item__title--theme-light__pjYLX">>0M</div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f FactoidItem_mck-c-factoid-item__subtitle__w4Rvf mck-c-factoid-item__subtitle--large">membership growth</div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8"></div></div><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-8"></div></div></div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="StandalonePromo" data-module-gradient-position="top-right" class="mck-c-full-text-c mck-c-module-wrapper"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8"><div class="UpModule_mck-c-up__header__OR_Vx"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-u-align-center UpModule_mdc-c-heading--title__4XbMT"><div>Featured capabilities</div></h2></div><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mck-c-full-text-c__content-block FullTextC_mck-c-full-text-c__content-block--module-center-aligned__qo8OU mdc-u-grid mdc-u-grid-gutter-xxl mdc-u-grid-col-sm-1 mdc-u-grid-col-md-4"><div class="mck-c-full-text-c__column mdc-u-grid-col-md-span-4"><div class="FullTextC_mck-c-full-text-c__text-content__3NKIh mck-u-links-inline mdc-o-content-body"><p>We invest heavily in developing proprietary tools, databases, and methods, including:</p> <p><strong>Comprehensive commercial-transformation diagnostic: </strong>We use a holistic, integrated review of more than 50 commercial-growth levers across a payer to identify the product, pricing, sales, and ancillary-growth opportunities.</p> <p><strong>Payer-growth and -retention tool: </strong>Our one-of-kind, granular view of US employer-benefit trends, built on a synthesis of proprietary data, market intelligence, and machine learning, enables higher group conversion and renewal rates through data-driven sales decision making.</p> <p><strong>Administration-services-only pricing-sophistication tool: </strong>We apply a library of best-in-class administration-services-only pricing tactics to identify and size growth opportunities rapidly.</p></div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="default" data-module-background="transparent" data-module-category="StandalonePromo" class="" data-module-name="section-hero"><div class="mck-c-up__content mdc-u-grid mdc-u-grid-col-sm-1 mdc-u-grid-gutter-xl mdc-u-grid--align-start"><div class="UpModule_mck-c-up__header__OR_Vx"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-u-align-center UpModule_mdc-c-heading--title__4XbMT"><div>Examples of our work</div></h2></div><div class="SectionHero_mck-c-section-hero__container__bKirQ"><style></style><div data-component="mdc-c-background-image" class="mdc-c-bg-image___GJdv1_2734c4f background-image-277a357f-f1f8-49b1-a4c5-8b7a836f675d-section-hero SectionHero_mck-c-section-hero__bg-image__Hcw1_"></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="StandalonePromo" data-module-gradient-position="top-right" class="mck-c-general-up mck-c-module-wrapper" data-module-name="general-up"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8"><div class="mck-c-up__content mdc-u-grid mdc-u-grid-col-sm-1 mdc-u-grid-gutter-xl mdc-u-grid--align-start mdc-u-grid-col-md-2 mdc-u-grid-col-lg-4"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Comprehensive commercial diagnostic</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">When a regional payer faced increasing competitive pressure, we launched a comprehensive diagnostic to identify priorities for reigniting growth across pricing, product, sales, and ancillary levers, identifying more than $400 million in EBITDA growth opportunities.</div></div></div></div></div><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Pricing sophistication</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">A regional payer with high market share and low profitability in its self-insured business was looking to improve its margin performance while delivering more value to customers. We helped deploy more than 20 best-in-class self-insured product price architecture practices to significantly boost margin performance and simultaneously improve the customer value proposition.</div></div></div></div></div><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Sales transformation</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">A large payer facing declining renewal rates and stagnating new sales was looking to transform their sales process to enable delivery of innovative, more effectively priced benefits to current and new employers. We provided support across the board, from industry insight to analytics, and from account prioritization to the design of a consultative sales model. These efforts helped identify opportunities for one-million-plus membership growth and more than $300 million in growth in earnings before interest, taxes, depreciation, and amortization.</div></div></div></div></div><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GeneralUp_mck-c-general-up__generic-item___T5Id GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h5 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f"><span>Ancillary growth</span></h5><div data-component="mdc-c-description" class="mdc-c-description___SrnQP_2734c4f mdc-u-ts-7"><div class="mck-u-links-inline mck-c-generic-item__description">When a payer wanted to deliver a value proposition for enhanced medical plus ancillary services, we aggregated internal-group-level data across business lines and connected them to proprietary data to prioritize prospects that could benefit from the combined value proposition. Together, we charted a path to double carve-in rates across key ancillary lines.</div></div></div></div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="lightest-grey" data-module-category="StandalonePromo" class="mck-c-three-up-circle ThreeUpCircleMedium_mck-c-three-up-circle--align-cards-center__MItxM mck-o-edge-to-edge mck-c-module-wrapper"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8 mck-o-container--wrapped mck-o-container--mobile-spacing"><div class="UpModule_mck-c-up__header__OR_Vx"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-u-align-center UpModule_mdc-c-heading--title__4XbMT"><div>Featured experts</div></h2></div><div class="mck-c-up__content mdc-u-grid mdc-u-grid-col-sm-1 mdc-u-grid-gutter-xl mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__items-wrapper__3h9bc mdc-u-grid-col-sm-1 mdc-u-grid-col-md-4 mdc-u-grid-col-lg-6"><div class="ThreeUpCircleMedium_mck-c-three-up-circle__profile-card__tAWa1"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__generic-item__k0R8M ThreeUpCircleMedium_mck-c-three-up-circle__generic-item--top-image__94_53 GenericItem_mck-c-generic-item__sGwKL GenericItem_mck-c-generic-item--1by4__vpFeq"><div class="GenericItem_mck-c-generic-item__image__F_tIc"><div data-component="mdc-c-avatar" class="mdc-c-avatar-7f438d28-783d-46ab-af7b-7b7f11274289 mdc-c-avatar___kVSTP_2734c4f mdc-c-avatar--image___levct_2734c4f mdc-c-avatar--size-2"><style> .mdc-c-avatar-7f438d28-783d-46ab-af7b-7b7f11274289 { --mdc-avatar-size: 200px; } </style><img src="/~/media/mckinsey/our people/elena bhamidipati/elena bhamidipatin_002_fc-mask_profile_1536x1152.png?cq=50&mw=480&car=1:1&cpy=Center" alt=""/></div></div><div class="mdc-u-grid mdc-u-grid-gutter-sm mck-c-three-up-circle__content"><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__profile-title__IjaF6"><a data-component="mdc-c-link" href="/our-people/elena-bhamidipati" class="mdc-c-link-heading___Zggl8_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Elena Bhamidipati</span></a></h6><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__sub-heading__3TsVh">PartnerNew York</h6><div class="ThreeUpCircleMedium_mck-c-three-up-circle__divider__SxF_p ThreeUpCircleMedium_mck-c-three-up-circle__divider--center__Dv7pn"></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__description__KT1wJ">Serves insurance clients on sales operations and sales effectiveness, corporate strategy, diligences, and M&A</div></div></div></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__profile-card__tAWa1"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__generic-item__k0R8M ThreeUpCircleMedium_mck-c-three-up-circle__generic-item--top-image__94_53 GenericItem_mck-c-generic-item__sGwKL GenericItem_mck-c-generic-item--1by4__vpFeq"><div class="GenericItem_mck-c-generic-item__image__F_tIc"><div data-component="mdc-c-avatar" class="mdc-c-avatar-50e4d8bd-8798-412e-905f-7821aca114df mdc-c-avatar___kVSTP_2734c4f mdc-c-avatar--image___levct_2734c4f mdc-c-avatar--size-2"><style> .mdc-c-avatar-50e4d8bd-8798-412e-905f-7821aca114df { --mdc-avatar-size: 200px; } </style><img src="/~/media/mckinsey/our people/patrick finn/patrick finn_3301_fc-mask_profile_1536x1152.png?cq=50&mw=480&car=1:1&cpy=Center" alt=""/></div></div><div class="mdc-u-grid mdc-u-grid-gutter-sm mck-c-three-up-circle__content"><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__profile-title__IjaF6"><a data-component="mdc-c-link" href="/our-people/patrick-finn" class="mdc-c-link-heading___Zggl8_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Patrick Finn</span></a></h6><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__sub-heading__3TsVh">Senior PartnerDetroit</h6><div class="ThreeUpCircleMedium_mck-c-three-up-circle__divider__SxF_p ThreeUpCircleMedium_mck-c-three-up-circle__divider--center__Dv7pn"></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__description__KT1wJ">Supports healthcare organizations鈥攑articularly payors鈥攐n strategic planning for reform, operations, risk management, organization,...</div></div></div></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__profile-card__tAWa1"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__generic-item__k0R8M ThreeUpCircleMedium_mck-c-three-up-circle__generic-item--top-image__94_53 GenericItem_mck-c-generic-item__sGwKL GenericItem_mck-c-generic-item--1by4__vpFeq"><div class="GenericItem_mck-c-generic-item__image__F_tIc"><div data-component="mdc-c-avatar" class="mdc-c-avatar-14df93b2-a61d-46bf-8533-7b4c154f29a4 mdc-c-avatar___kVSTP_2734c4f mdc-c-avatar--image___levct_2734c4f mdc-c-avatar--size-2"><style> .mdc-c-avatar-14df93b2-a61d-46bf-8533-7b4c154f29a4 { --mdc-avatar-size: 200px; } </style><img src="/~/media/mckinsey/our people/aditya gupta/aditya_gupta_standard_profile_v2_1536x1152.jpg?cq=50&mw=480&car=1:1&cpy=Center" alt=""/></div></div><div class="mdc-u-grid mdc-u-grid-gutter-sm mck-c-three-up-circle__content"><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__profile-title__IjaF6"><a data-component="mdc-c-link" href="/our-people/aditya-gupta" class="mdc-c-link-heading___Zggl8_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Aditya Gupta</span></a></h6><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__sub-heading__3TsVh">PartnerWaltham</h6><div class="ThreeUpCircleMedium_mck-c-three-up-circle__divider__SxF_p ThreeUpCircleMedium_mck-c-three-up-circle__divider--center__Dv7pn"></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__description__KT1wJ">Counsels healthcare organizations鈥攑articularly commercial payers鈥攐n corporate strategy, board agendas, M&A, business building,...</div></div></div></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__profile-card__tAWa1"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__generic-item__k0R8M ThreeUpCircleMedium_mck-c-three-up-circle__generic-item--top-image__94_53 GenericItem_mck-c-generic-item__sGwKL GenericItem_mck-c-generic-item--1by4__vpFeq"><div class="GenericItem_mck-c-generic-item__image__F_tIc"><div data-component="mdc-c-avatar" class="mdc-c-avatar-13d3bc01-a095-4a9f-a2c7-44c226aa18be mdc-c-avatar___kVSTP_2734c4f mdc-c-avatar--image___levct_2734c4f mdc-c-avatar--size-2"><style> .mdc-c-avatar-13d3bc01-a095-4a9f-a2c7-44c226aa18be { --mdc-avatar-size: 200px; } </style><img src="/~/media/mckinsey/our people/akshay kapur/26319 akshay kapur 0146-a_fc-mask_profile_1536x1152.png?cq=50&mw=480&car=1:1&cpy=Center" alt=""/></div></div><div class="mdc-u-grid mdc-u-grid-gutter-sm mck-c-three-up-circle__content"><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__profile-title__IjaF6"><a data-component="mdc-c-link" href="/our-people/akshay-kapur" class="mdc-c-link-heading___Zggl8_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Akshay Kapur</span></a></h6><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__sub-heading__3TsVh">Senior PartnerChicago</h6><div class="ThreeUpCircleMedium_mck-c-three-up-circle__divider__SxF_p ThreeUpCircleMedium_mck-c-three-up-circle__divider--center__Dv7pn"></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__description__KT1wJ">Serves leading healthcare organizations on strategy, growth, M&A, and performance transformations</div></div></div></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__profile-card__tAWa1"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__generic-item__k0R8M ThreeUpCircleMedium_mck-c-three-up-circle__generic-item--top-image__94_53 GenericItem_mck-c-generic-item__sGwKL GenericItem_mck-c-generic-item--1by4__vpFeq"><div class="GenericItem_mck-c-generic-item__image__F_tIc"><div data-component="mdc-c-avatar" class="mdc-c-avatar-8cb9bfc2-89f4-4f0c-9cd3-6662aa8c841a mdc-c-avatar___kVSTP_2734c4f mdc-c-avatar--image___levct_2734c4f mdc-c-avatar--size-2"><style> .mdc-c-avatar-8cb9bfc2-89f4-4f0c-9cd3-6662aa8c841a { --mdc-avatar-size: 200px; } </style><img src="/~/media/mckinsey/our people/boris kors/boris-kors_190503_2774_profile_1536x1152.jpg?cq=50&mw=480&car=1:1&cpy=Center" alt=""/></div></div><div class="mdc-u-grid mdc-u-grid-gutter-sm mck-c-three-up-circle__content"><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__profile-title__IjaF6"><a data-component="mdc-c-link" href="/our-people/boris-kors" class="mdc-c-link-heading___Zggl8_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Boris K枚rs</span></a></h6><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__sub-heading__3TsVh">Senior PartnerMunich</h6><div class="ThreeUpCircleMedium_mck-c-three-up-circle__divider__SxF_p ThreeUpCircleMedium_mck-c-three-up-circle__divider--center__Dv7pn"></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__description__KT1wJ">Serves clients across the healthcare, health-insurance, pharmaceutical, medtech-manufacturing, and logistics industries</div></div></div></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__profile-card__tAWa1"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start ThreeUpCircleMedium_mck-c-three-up-circle__generic-item__k0R8M ThreeUpCircleMedium_mck-c-three-up-circle__generic-item--top-image__94_53 GenericItem_mck-c-generic-item__sGwKL GenericItem_mck-c-generic-item--1by4__vpFeq"><div class="GenericItem_mck-c-generic-item__image__F_tIc"><div data-component="mdc-c-avatar" class="mdc-c-avatar-597a3d86-4aec-4239-a562-bd00260bbe5d mdc-c-avatar___kVSTP_2734c4f mdc-c-avatar--image___levct_2734c4f mdc-c-avatar--size-2"><style> .mdc-c-avatar-597a3d86-4aec-4239-a562-bd00260bbe5d { --mdc-avatar-size: 200px; } </style><img src="/~/media/mckinsey/our people/shubham singhal/singhal_shubham_standard_profile_1536x1152.jpg?cq=50&mw=480&car=1:1&cpy=Center" alt=""/></div></div><div class="mdc-u-grid mdc-u-grid-gutter-sm mck-c-three-up-circle__content"><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__profile-title__IjaF6"><a data-component="mdc-c-link" href="/our-people/shubham-singhal" class="mdc-c-link-heading___Zggl8_2734c4f"><span class="mdc-c-link__label___Pfqtd_2734c4f">Shubham Singhal</span></a></h6><h6 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f ThreeUpCircleMedium_mck-c-three-up-circle__sub-heading__3TsVh">Senior PartnerDetroit</h6><div class="ThreeUpCircleMedium_mck-c-three-up-circle__divider__SxF_p ThreeUpCircleMedium_mck-c-three-up-circle__divider--center__Dv7pn"></div><div class="ThreeUpCircleMedium_mck-c-three-up-circle__description__KT1wJ">Global co-leader of McKinsey's strategic priority on geopolitics; counselor to healthcare institutions on strategy, growth, M&A,...</div></div></div></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="white" data-module-category="StandalonePromo" data-module-gradient-position="top-right" class="ThreeUpLinkList_mck-c-3ull__F0W5g mck-c-module-wrapper"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8"><div class="UpModule_mck-c-up__header__OR_Vx"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-c-heading--title___5qyOB_2734c4f mdc-c-heading--border___K8dj3_2734c4f UpModule_mdc-c-heading--title__4XbMT"><div>How we help clients</div></h2></div><div class="mck-c-up__content mdc-u-grid mdc-u-grid-col-sm-1 mdc-u-grid-gutter-xl mdc-u-grid--align-start"><ul class="LinkListItems_mck-c-ll-items__list__LSn64"><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/advanced-analytics" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Advanced Analytics</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/business-building" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Business Building</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/commercial" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Commercial</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/digital-strategy-transformation" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Digital Strategy & Transformation</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/healthcare-consumer" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Healthcare Consumer</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/healthcare-innovation" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Healthcare Innovation</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/medicaid" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Medicaid</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/medical-cost-management" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Medical Cost Management</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/medicare" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Medicare</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/payer-operations" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Payer Operations</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/performance-transformation" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Performance Transformation</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/pharmacy-services" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Pharmacy Services</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/provider-performance" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Provider Performance</span></a></li><li><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients/americas/provider-revenue-excellence" class="mdc-c-link___lBbY1_2734c4f"><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mdc-c-icon--size-xs___g8-q5_2734c4f mck-arrow-right-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Provider Revenue Excellence</span></a></li></ul></div><div class="mck-c-up__footer"><div data-component="mdc-c-link-container" class="mdc-c-link-container___xefGu_2734c4f"><a data-component="mdc-c-link" href="/industries/healthcare/how-we-help-clients" class="mdc-c-link-cta___NBQVi_2734c4f" aria-label=""><span class="mdc-c-link__label___Pfqtd_2734c4f">Back to practice overview</span><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mck-link-arrow-right-icon"></span></a></div></div></div></div></div><div data-component="mdc-c-module-wrapper" data-module-theme="light" data-module-background="lightest-grey" data-module-category="StandalonePromo" data-module-gradient-position="top-right" class="PromoBar_mck-c-promo-bar__tebi0 mck-o-edge-to-edge mck-c-module-wrapper" data-module-name="promo-bar"><div class="mck-o-container"><div class="UpModule_mck-c-up__irSw8 mck-o-container--wrapped mck-o-container--mobile-spacing"><div class="mdc-u-grid mdc-u-grid-col-lg-12 mdc-u-grid-col-md-12 mdc-u-grid-col-sm-12"><div class="mdc-u-grid-col-lg-span-9 mdc-u-grid-col-md-span-8 mdc-u-grid-col-sm-span-12"><div class="mdc-u-grid mdc-u-grid-gutter-lg mdc-u-grid-col-sm-1 mdc-u-grid--align-start GenericItem_mck-c-generic-item__sGwKL"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f mdc-u-grid-gutter-xs GenericItem_mck-c-generic-item__content__gq1m0"><div data-component="mdc-c-content-block" class="mdc-c-content-block___7p6Lu_2734c4f"><h2 data-component="mdc-c-heading" class="mdc-c-heading___0fM1W_2734c4f mdc-u-ts-4"><div>Connect with our Healthcare Practice</div></h2></div></div></div></div><div class="PromoBar_mck-c-promo-bar__section-cta-wrapper__5UayI mdc-u-grid-col-lg-span-3 mdc-u-grid-col-md-span-4 mdc-u-grid-col-sm-span-12"><div class="mck-c-up__footer"><div data-component="mdc-c-link-container" class="mdc-c-link-container___xefGu_2734c4f PromoBar_mck-c-promo-bar__section-cta-container__TZKYO"><a data-component="mdc-c-link" href="/industries/healthcare/contact-us" class="mdc-c-button___U4iY2_2734c4f mdc-c-button--primary___Ed-lT_2734c4f mdc-c-button--size-large___jwpUy_2734c4f" aria-label=""><span data-component="mdc-c-icon" class="mdc-c-icon___oi7ef_2734c4f mck-email-icon"></span><span class="mdc-c-link__label___Pfqtd_2734c4f">Contact</span></a></div></div></div></div></div></div></div></div></div></div></main></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"locale":"en","dictionary":{},"sitecoreContext":{"route":{"name":"Commercial","displayName":"Commercial","fields":null,"databaseName":"web","deviceId":"fe5d7fdf-89c0-4d99-9aa3-b5fbd009c9f3","itemId":"656f48d3-b23f-47ef-97cf-f4f30d3bcf7b","itemLanguage":"en","itemVersion":1,"layoutId":"ae753eb4-a035-40b4-83bf-4b4438df6742","templateId":"85ff0530-7883-480f-9a4c-82123f72ffd8","templateName":"Universal Base JSS","placeholders":{"jss-main":[{"uid":"18acb685-acc2-43e6-ae42-aaba930ff664","componentName":"BaseTemplate","dataSource":"","fields":{"data":{"baseTemplate":{"name":"Commercial","id":"656F48D3B23F47EF97CFF4F30D3BCF7B","displayName":"Commercial","title":{"jsonValue":{"value":"Commercial"}},"pageVerificationCodes":{"value":""},"sEOTitle":{"value":"Commercial"},"pageSubheader":{"value":""},"Body":{"value":""},"addTitleDivider":{"value":""},"standardImage":{"src":"/~/media/mckinsey/industries/healthcare systems and services/how we help clients/americas/commercial/commercial_thumb_650045417_1536x1536.jpg","alt":"Commercial","height":1536,"width":1536,"Description":""},"displayDate":{"jsonValue":{"value":"0001-01-01T00:00:00Z"}},"description":{"jsonValue":{"value":"We help payer organizations grow through distinctive data- and advanced-analytics-driven insights."}},"sEODescription":{"value":"We help payer organizations drive sustainable growth and improve customer outcomes using data and analytics."},"uniqueLogo":{"jsonValue":null},"isMinisiteParent":{"value":false},"contactPage":{"value":false},"hideFromNav":{"value":false},"transparentNavBackground":{"value":false},"navigationTitle":{"value":""},"contentType":{"jsonValue":{"name":"Industries Service Line","displayName":"Industries Service Line","id":"{DC6D1B75-8B11-45BE-9CA2-34DF5BB7440B}","fields":{}}},"hideFromSearchEngines":{"boolValue":false},"hideStickySubscriptionBar":{"value":false},"ancestors":[{"id":"EE06E4C492D14154A93CC6C229B2C211","pageTitle":"Americas","displayName":"Americas"},{"id":"C65BB07BFCA04CBA9B9CDE44218CA746","pageTitle":"How We Help Clients","displayName":"How We Help Clients"},{"id":"9355FD9244584A6E931E5F4B6015ADB1","pageTitle":"Healthcare","displayName":"Healthcare"},{"id":"819BA13074D543B5914080CC2BFAB9E8","pageTitle":"Industries","displayName":"Industries","index":3},{"id":"367E40410C4A4A6D99D77D83F5A73EA7","pageTitle":"Home","displayName":"Home"},{"id":"258857D050FA4C3E8C1155EDFF84A992","pageTitle":"McKinsey","displayName":"McKinsey"},{"id":"0DE95AE441AB4D019EB067441B7C2450","pageTitle":"content","displayName":"Content"},{"id":"11111111111111111111111111111111","pageTitle":"sitecore","displayName":"sitecore"}],"selectedModalSubscriptions":null}}},"placeholders":{"area-c":[{"uid":"cc8cd2e7-08f2-4e36-b48e-d73825e2f73e","componentName":"IntroCopyC","dataSource":"{DED2D106-6935-463A-80A5-C311A5CB140B}","params":{"Container Width":"{\"Key\":{\"value\":\"Full Width\"},\"Value\":{\"value\":\"-full-width\"}}","Font Size":"{\"Key\":{\"value\":\"Small\"},\"Value\":{\"value\":\"text-s\"}}","Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Text Position":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"-center\"}}"},"fields":{"data":{"datasource":{"introCopy":{"jsonValue":{"value":"Helping payer organizations drive sustainable growth and deliver an enhanced value proposition to customers through distinctive data- and advanced-analytics-driven insights"}},"callToActionLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Call To Action Link","queryString":"","anchor":""}}}},"placeholders":{"area-c":[]}},{"uid":"44972af4-56bb-458f-9873-486525fb3c9f","componentName":"FullTextC","dataSource":"{00897186-F8A4-4D7B-84D0-C4137E8B23A2}","params":{"Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Columns":"{\"Key\":{\"value\":\"2\"},\"Value\":{\"value\":\"2\"}}","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"id":"00897186F8A44D7B84D0C4137E8B23A2","sectionTitle":{"jsonValue":{"value":""}},"sectionHeader":{"jsonValue":{"value":""}},"leftColumnText":{"jsonValue":{"value":"Payers in the individual and employer-sponsored health-insurance markets are looking for new ways to improve performance and drive growth. We help clients identify product-innovation, pricing-excellence, sales-force- effectiveness, and ancillary growth levers that can drive sustainable growth, ensuring payers bring improved experience, outcomes, and savings to employers and members."}},"leftColumnCTA":{"jsonValue":{"value":[]}},"rightColumnText":{"jsonValue":{"value":"Over the past two years, we have served a breadth of national and regional carriers, delivering more than $2 billion in earnings growth through our unique data, advanced analytics, and deep expertise-based approaches."}},"rightColumnCTA":{"jsonValue":{"value":[]}},"readMoreLink":{"jsonValue":{"value":{"href":""}}}},"inlineModules":{"exhibit":{"results":[]},"image":{"results":[]},"audio":{"results":[]},"disruptor1up":{"results":[]},"ceros":{"results":[]},"exhibitcarousel":{"results":[]},"pullquote":{"results":[]},"disruptorsignup":{"results":[]},"articlesidebar":{"results":[]},"video":{"results":[]},"factoid":{"results":[]}}}}},{"uid":"29580ee1-2d9c-4e16-8bd0-726b73f0aab5","componentName":"GeneralUp","dataSource":"{99DBD11C-CD13-4CF2-8AC2-DBB5EF0515FD}","params":{"Section-Title-Header-DekAlignment":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"section-header--centered\"}}","Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Display Mode":"{\"Key\":{\"value\":\"Standard\"},\"Value\":{\"value\":\"standard\"}}","Hide Eyebrows":"1","Hide Images":"1","Module Type":"{\"Key\":{\"value\":\"4 UP\"},\"Value\":{\"value\":\"four-up\"}}","Show Full Dek":"1","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"sectionDek":{"jsonValue":{"value":""}},"sectionTitle":{"jsonValue":{"value":"What we do"}},"sectionHeader":{"jsonValue":{"value":""}},"readMoreLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Read More Link","queryString":"","anchor":""},"manualSelection":{"targetItems":[{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/what-we-do-generalup/pricing-sophistication-generic-item"},"description":{"jsonValue":{"value":"We embed industry-best practices, unique data sources, advanced analytics, and years of actuarial experience in our next-generation pricing models for self- and fully insured employers to provide actionable, validated, and impactful strategies for payers to effectively articulate and price the value created for members."}},"title":{"jsonValue":{"value":"Pricing sophistication"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}},{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/what-we-do-generalup/sales-force-effectiveness-generic-item"},"description":{"jsonValue":{"value":"We use proprietary data, predictive analytics, and consultative selling capabilities to help payers drive sales-force effectiveness and seamlessly manage the last mile to brokers, employers, and ultimately - members."}},"title":{"jsonValue":{"value":"Sales-force effectiveness"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}},{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/what-we-do-generalup/product-innovation-generic-item"},"description":{"jsonValue":{"value":"We leverage cutting-edge broker, consumer, and employer insights (for example, annual survey of 1,000 employers) to design customer-backed commercial offerings to improve experience, affordability, and minimize abrasion."}},"title":{"jsonValue":{"value":"Product innovation"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}},{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/what-we-do-generalup/ancillary-growth-generic-item"},"description":{"jsonValue":{"value":"We help payers develop unique, whole-health-focused value propositions across medical and nonmedical lines of business through our deep expertise in stop-loss, dental, vision, life, and disability insurance."}},"title":{"jsonValue":{"value":"Ancillary growth"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}}]}}}}},{"uid":"777c8a96-2470-4ddc-9904-0b2130c3cc95","componentName":"Factoid","dataSource":"{DB18CF48-9256-4465-8069-76FDC45D7DD5}","params":{"Background Color":"{\"Key\":{\"value\":\"Lightest Grey\"},\"Value\":{\"value\":\"lightest-grey\"}}","Section Title Alignment":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"center\"}}","Text Alignment":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"center\"}}","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"sectionTitle":{"jsonValue":{"value":""}},"readMoreLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Read More Link","queryString":"","anchor":""},"backgroundImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"selectItems":{"targetItems":[{"largeText":{"jsonValue":{"value":"\u003e$2B"}},"mediumText":{"jsonValue":{"value":"identified impact"}},"smallText":{"jsonValue":{"value":"in earnings before interest, taxes, depreciation, and amortization"}},"callToActionLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Call To Action Link","queryString":"","anchor":""},"factoidImage":{"src":null,"alt":"","height":null,"width":null,"Description":null}},{"largeText":{"jsonValue":{"value":"\u003e2M"}},"mediumText":{"jsonValue":{"value":"membership growth"}},"smallText":{"jsonValue":{"value":""}},"callToActionLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Call To Action Link","queryString":"","anchor":""},"factoidImage":{"src":null,"alt":"","height":null,"width":null,"Description":null}}]}}}}},{"uid":"a53553aa-bff6-4c96-ba77-cdc1526f5404","componentName":"FullTextC","dataSource":"{277A9F64-AE59-4520-B3DF-D98651B3538F}","params":{"Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Columns":"{\"Key\":{\"value\":\"1\"},\"Value\":{\"value\":\"1\"}}","Module Alignment":"{\"Key\":{\"value\":\"left\"},\"Value\":{\"value\":\"left\"}}","Section Title Alignment":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"center\"}}","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"id":"277A9F64AE594520B3DFD98651B3538F","sectionTitle":{"jsonValue":{"value":"Featured capabilities"}},"sectionHeader":{"jsonValue":{"value":""}},"leftColumnText":{"jsonValue":{"value":"\u003cp\u003eWe invest heavily in developing proprietary tools, databases, and methods, including:\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eComprehensive commercial-transformation diagnostic: \u003c/strong\u003eWe use a holistic, integrated review of more than 50 commercial-growth levers across a payer to identify the product, pricing, sales, and ancillary-growth opportunities.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003ePayer-growth and -retention tool: \u003c/strong\u003eOur one-of-kind, granular view of US employer-benefit trends, built on a synthesis of proprietary data, market intelligence, and machine learning, enables higher group conversion and renewal rates through data-driven sales decision making.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eAdministration-services-only pricing-sophistication tool: \u003c/strong\u003eWe apply a library of best-in-class administration-services-only pricing tactics to identify and size growth opportunities rapidly.\u003c/p\u003e"}},"leftColumnCTA":{"jsonValue":{"value":[]}},"rightColumnText":{"jsonValue":{"value":""}},"rightColumnCTA":{"jsonValue":{"value":[]}},"readMoreLink":{"jsonValue":{"value":{"href":""}}}},"inlineModules":{"exhibit":{"results":[]},"image":{"results":[]},"audio":{"results":[]},"disruptor1up":{"results":[]},"ceros":{"results":[]},"exhibitcarousel":{"results":[]},"pullquote":{"results":[]},"disruptorsignup":{"results":[]},"articlesidebar":{"results":[]},"video":{"results":[]},"factoid":{"results":[]}}}}},{"uid":"277a357f-f1f8-49b1-a4c5-8b7a836f675d","componentName":"SectionHero","dataSource":"{E3628E36-5E36-4A7A-AA5A-42542FE63292}","params":{"Section Title Alignment":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"section-header--centered\"}}","Image Crop":"{\"Key\":{\"value\":\"Right\"},\"Value\":{\"value\":\"Right\"}}"},"fields":{"data":{"datasource":{"sectionTitle":{"jsonValue":{"value":"Examples of our work"}},"sectionHeader":{"jsonValue":{"value":""}},"sectionDek":{"jsonValue":{"value":""}},"heroImageTopOffset":{"value":""},"standardImage":{"src":"/~/media/mckinsey/industries/healthcare systems and services/how we help clients/americas/commercial/commercial_section-hero_699087472_1536x768.jpg","alt":"Commercial","height":768,"width":1536,"description":""},"readMoreLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Read More Link","queryString":"","anchor":""}}}}},{"uid":"eb6d1396-74e9-447a-8d6a-4f70b9830b4f","componentName":"GeneralUp","dataSource":"{00129C4A-6CCF-4B67-B3DF-1A3AA0B4D25D}","params":{"Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Display Mode":"{\"Key\":{\"value\":\"Standard\"},\"Value\":{\"value\":\"standard\"}}","Hide Eyebrows":"1","Hide Images":"1","Module Type":"{\"Key\":{\"value\":\"4 UP\"},\"Value\":{\"value\":\"four-up\"}}","Show Full Dek":"1","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"sectionDek":{"jsonValue":{"value":""}},"sectionTitle":{"jsonValue":{"value":""}},"sectionHeader":{"jsonValue":{"value":""}},"readMoreLink":{"url":"","linkType":"internal","className":"","text":"","target":"","name":"Read More Link","queryString":"","anchor":""},"manualSelection":{"targetItems":[{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/examples-of-our-work-generalup/comprehensive-commercial-diagnostic-generic-item"},"description":{"jsonValue":{"value":"When a regional payer faced increasing competitive pressure, we launched a comprehensive diagnostic to identify priorities for reigniting growth across pricing, product, sales, and ancillary levers, identifying more than $400 million in EBITDA growth opportunities."}},"title":{"jsonValue":{"value":"Comprehensive commercial diagnostic"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}},{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/examples-of-our-work-generalup/pricing-sophistication-generic-item"},"description":{"jsonValue":{"value":"A regional payer with high market share and low profitability in its self-insured business was looking to improve its margin performance while delivering more value to customers. We helped deploy more than 20 best-in-class self-insured product price architecture practices to significantly boost margin performance and simultaneously improve the customer value proposition."}},"title":{"jsonValue":{"value":"Pricing sophistication"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}},{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/examples-of-our-work-generalup/sales-transformation-generic-item"},"description":{"jsonValue":{"value":"A large payer facing declining renewal rates and stagnating new sales was looking to transform their sales process to enable delivery of innovative, more effectively priced benefits to current and new employers. We provided support across the board, from industry insight to analytics, and from account prioritization to the design of a consultative sales model. These efforts helped identify opportunities for one-million-plus membership growth and more than $300 million in growth in earnings before interest, taxes, depreciation, and amortization."}},"title":{"jsonValue":{"value":"Sales transformation"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}},{"url":{"path":"/sitecore/content/mckinsey/modules/industries/healthcare-systems-and-services/how-we-help-clients/americas/commercial/examples-of-our-work-generalup/ancillary-growth-generic-item"},"description":{"jsonValue":{"value":"When a payer wanted to deliver a value proposition for enhanced medical plus ancillary services, we aggregated internal-group-level data across business lines and connected them to proprietary data to prioritize prospects that could benefit from the combined value proposition. Together, we charted a path to double carve-in rates across key ancillary lines."}},"title":{"jsonValue":{"value":"Ancillary growth"}},"eyebrow":{"jsonValue":{"value":""}},"displayDate":{"value":"0001-01-01T12:00:00Z"},"displayDateBlog":null,"callToActionLinks":{"jsonValue":{"value":[]}},"contentType":{"jsonValue":{"id":"d9ca650f-b9ec-4b52-959c-71b7d7872d2a","url":"/taxonomy/content-types/flexi","name":"Flexi","displayName":"Flexi","fields":{"Faceted Search":[]}}},"articleType":null,"videoId":{"value":""},"sourcePublication":null,"publicationSource":{"targetItem":null},"externalPublication":null,"standardImage":{"src":null,"alt":"","height":null,"width":null,"Description":null},"heroImage":null,"thumbnailImage":null,"template":{"id":"C0C26A6874804ED1A38E8EDF7CD058C0"},"genericItemUrl":{"url":"","linkType":"internal","text":"","target":"","className":"","queryString":"","anchor":"","targetItem":null}}]}}}}},{"uid":"330a7d32-e4aa-44be-b868-1cfccdca04bc","componentName":"ThreeUpCircleMedium","dataSource":"{CDDC87E7-44B9-4E94-9051-7A618D55FE67}","fields":{"data":{"datasource":{"id":"CDDC87E744B94E9490517A618D55FE67","showFullDek":{"boolValue":false},"numberOfRowsToShowOnLoad":{"jsonValue":{"value":2}},"viewMoreRows":{"jsonValue":{"value":null}},"collapseTopSpacing":{"boolValue":false},"cardCenterAligned":{"boolValue":true},"showFilters":{"boolValue":false},"hideImages":{"boolValue":false},"minimizeCardHeight":{"boolValue":false},"sectionDek":{"jsonValue":{"value":""}},"sectionTitle":{"jsonValue":{"value":"Featured experts"}},"sectionHeader":{"jsonValue":{"value":""}},"readMoreLink":{"href":"","linkType":"internal","className":"","text":"","target":"","name":"Read More Link","queryString":"","anchor":""},"sectionTitleHeaderDekAlignment":{"targetItem":null},"selectFilterOptions":{"targetItems":[]},"selectDisplayOptions":{"targetItems":[{"value":{"value":"Description"}},{"value":{"value":"Location"}}]},"selectProfiles":{"targetItems":[{"template":{"name":"Profile"},"languages":[{"language":{"name":"en"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ja-JP"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"es-ES"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"es-CL"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ru-RU"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"zh-TW"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"cs-CZ"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"zh-CN"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"hr-HR"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"pl-PL"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"th-TH"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"he-IL"},"title":{"value":""}},{"language":{"name":"pt"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ar"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"tr-TR"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"id-ID"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"it-IT"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"vi-VN"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"nl-BE"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"pt-PT"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"es"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ko-KR"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"my-MM"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"de-DE"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"hu-HU"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"uk-UA"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ar-AE"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ms-MY"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"ro-RO"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"sr"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"pt-BR"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"fr-CA"},"title":{"value":"Elena Bhamidipati"}},{"language":{"name":"fr-FR"},"title":{"value":"Elena Bhamidipati"}}],"name":"Elena Bhamidipati","title":{"value":"Elena Bhamidipati"},"firmTitle":{"value":"Partner"},"url":{"path":"/our-people/elena-bhamidipati"},"description":{"value":"Serves insurance clients on sales operations and sales effectiveness, corporate strategy, diligences, and M\u0026A"},"standardImage":{"src":"/~/media/mckinsey/our people/elena bhamidipati/elena bhamidipatin_002_fc-mask_profile_1536x1152.png","alt":"Elena Bhamidipati"},"locations":{"targetItems":[{"name":"New York"}]},"mcKinseyIndustryPractices":{"targetItems":[{"name":"Healthcare"}]},"mcKinseyFunctionalPractices":{"targetItems":[{"name":"Growth, Marketing \u0026amp; Sales"}]},"mcKinseyNonPracticeEntities":{"targetItems":[]},"regions":{"targetItems":[{"name":"North and Central America"}]},"interest":{},"backgroundHeader":{"value":""},"background":{"value":""},"emailLink":{"value":"Elena_Bhamidipati@mckinsey.com"},"linkedInUrl":{"value":""},"twitterUrl":{"value":""}},{"template":{"name":"Profile"},"languages":[{"language":{"name":"en"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ja-JP"},"title":{"value":"Patrick Finn"}},{"language":{"name":"es-ES"},"title":{"value":"Patrick Finn"}},{"language":{"name":"es-CL"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ru-RU"},"title":{"value":"Patrick Finn"}},{"language":{"name":"zh-TW"},"title":{"value":"Patrick Finn"}},{"language":{"name":"cs-CZ"},"title":{"value":"Patrick Finn"}},{"language":{"name":"zh-CN"},"title":{"value":"Patrick Finn"}},{"language":{"name":"hr-HR"},"title":{"value":"Patrick Finn"}},{"language":{"name":"pl-PL"},"title":{"value":"Patrick Finn"}},{"language":{"name":"th-TH"},"title":{"value":"Patrick Finn"}},{"language":{"name":"he-IL"},"title":{"value":""}},{"language":{"name":"pt"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ar"},"title":{"value":"Patrick Finn"}},{"language":{"name":"tr-TR"},"title":{"value":"Patrick Finn"}},{"language":{"name":"id-ID"},"title":{"value":"Patrick Finn"}},{"language":{"name":"it-IT"},"title":{"value":"Patrick Finn"}},{"language":{"name":"vi-VN"},"title":{"value":"Patrick Finn"}},{"language":{"name":"nl-BE"},"title":{"value":"Patrick Finn"}},{"language":{"name":"pt-PT"},"title":{"value":"Patrick Finn"}},{"language":{"name":"es"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ko-KR"},"title":{"value":"Patrick Finn"}},{"language":{"name":"my-MM"},"title":{"value":"Patrick Finn"}},{"language":{"name":"de-DE"},"title":{"value":"Patrick Finn"}},{"language":{"name":"hu-HU"},"title":{"value":"Patrick Finn"}},{"language":{"name":"uk-UA"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ar-AE"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ms-MY"},"title":{"value":"Patrick Finn"}},{"language":{"name":"ro-RO"},"title":{"value":"Patrick Finn"}},{"language":{"name":"sr"},"title":{"value":"Patrick Finn"}},{"language":{"name":"pt-BR"},"title":{"value":"Patrick Finn"}},{"language":{"name":"fr-CA"},"title":{"value":"Patrick Finn"}},{"language":{"name":"fr-FR"},"title":{"value":"Patrick Finn"}}],"name":"Patrick Finn","title":{"value":"Patrick Finn"},"firmTitle":{"value":"Senior Partner"},"url":{"path":"/our-people/patrick-finn"},"description":{"value":"Supports healthcare organizations鈥攑articularly payors鈥攐n strategic planning for reform, operations, risk management, organization, and new business growth"},"standardImage":{"src":"/~/media/mckinsey/our people/patrick finn/patrick finn_3301_fc-mask_profile_1536x1152.png","alt":"Patrick Finn"},"locations":{"targetItems":[{"name":"Detroit"}]},"mcKinseyIndustryPractices":{"targetItems":[{"name":"Healthcare"}]},"mcKinseyFunctionalPractices":{"targetItems":[]},"mcKinseyNonPracticeEntities":{"targetItems":[]},"regions":{"targetItems":[]},"interest":{},"backgroundHeader":{"value":""},"background":{"value":""},"emailLink":{"value":"Patrick_Finn@mckinsey.com"},"linkedInUrl":{"value":"https://www.linkedin.com/in/patrickjanssenfinn/"},"twitterUrl":{"value":""}},{"template":{"name":"Profile"},"languages":[{"language":{"name":"en"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ja-JP"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"es-ES"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"es-CL"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ru-RU"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"zh-TW"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"cs-CZ"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"zh-CN"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"hr-HR"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"pl-PL"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"th-TH"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"he-IL"},"title":{"value":""}},{"language":{"name":"pt"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ar"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"tr-TR"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"id-ID"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"it-IT"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"vi-VN"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"nl-BE"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"pt-PT"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"es"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ko-KR"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"my-MM"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"de-DE"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"hu-HU"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"uk-UA"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ar-AE"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ms-MY"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"ro-RO"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"sr"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"pt-BR"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"fr-CA"},"title":{"value":"Aditya Gupta"}},{"language":{"name":"fr-FR"},"title":{"value":"Aditya Gupta"}}],"name":"Aditya Gupta","title":{"value":"Aditya Gupta"},"firmTitle":{"value":"Partner"},"url":{"path":"/our-people/aditya-gupta"},"description":{"value":"Counsels healthcare organizations鈥攑articularly commercial payers鈥攐n corporate strategy, board agendas, M\u0026A, business building, and large-scale performance transformations"},"standardImage":{"src":"/~/media/mckinsey/our people/aditya gupta/aditya_gupta_standard_profile_v2_1536x1152.jpg","alt":"Aditya Gupta"},"locations":{"targetItems":[{"name":"Waltham"}]},"mcKinseyIndustryPractices":{"targetItems":[]},"mcKinseyFunctionalPractices":{"targetItems":[]},"mcKinseyNonPracticeEntities":{"targetItems":[]},"regions":{"targetItems":[]},"interest":{},"backgroundHeader":{"value":""},"background":{"value":""},"emailLink":{"value":"Aditya_Gupta@McKinsey.com"},"linkedInUrl":{"value":"https://www.linkedin.com/in/adityagupta108/"},"twitterUrl":{"value":""}},{"template":{"name":"Profile"},"languages":[{"language":{"name":"en"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ja-JP"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"es-ES"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"es-CL"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ru-RU"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"zh-TW"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"cs-CZ"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"zh-CN"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"hr-HR"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"pl-PL"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"th-TH"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"he-IL"},"title":{"value":""}},{"language":{"name":"pt"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ar"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"tr-TR"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"id-ID"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"it-IT"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"vi-VN"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"nl-BE"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"pt-PT"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"es"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ko-KR"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"my-MM"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"de-DE"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"hu-HU"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"uk-UA"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ar-AE"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ms-MY"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"ro-RO"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"sr"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"pt-BR"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"fr-CA"},"title":{"value":"Akshay Kapur"}},{"language":{"name":"fr-FR"},"title":{"value":"Akshay Kapur"}}],"name":"Akshay Kapur","title":{"value":"Akshay Kapur"},"firmTitle":{"value":"Senior Partner"},"url":{"path":"/our-people/akshay-kapur"},"description":{"value":"Serves leading healthcare organizations on strategy, growth, M\u0026A, and performance transformations"},"standardImage":{"src":"/~/media/mckinsey/our people/akshay kapur/26319 akshay kapur 0146-a_fc-mask_profile_1536x1152.png","alt":""},"locations":{"targetItems":[{"name":"Chicago"}]},"mcKinseyIndustryPractices":{"targetItems":[{"name":"Healthcare"}]},"mcKinseyFunctionalPractices":{"targetItems":[{"name":"Strategy \u0026 Corporate Finance"},{"name":"McKinsey Transformation"}]},"mcKinseyNonPracticeEntities":{"targetItems":[]},"regions":{"targetItems":[{"name":"North and Central America"}]},"interest":{},"backgroundHeader":{"value":""},"background":{"value":""},"emailLink":{"value":"Akshay_Kapur@mckinsey.com"},"linkedInUrl":{"value":"https://www.linkedin.com/in/akshaykapur/"},"twitterUrl":{"value":""}},{"template":{"name":"Profile"},"languages":[{"language":{"name":"en"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ja-JP"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"es-ES"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"es-CL"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ru-RU"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"zh-TW"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"cs-CZ"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"zh-CN"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"hr-HR"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"pl-PL"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"th-TH"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"he-IL"},"title":{"value":""}},{"language":{"name":"pt"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ar"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"tr-TR"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"id-ID"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"it-IT"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"vi-VN"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"nl-BE"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"pt-PT"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"es"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ko-KR"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"my-MM"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"de-DE"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"hu-HU"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"uk-UA"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ar-AE"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ms-MY"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"ro-RO"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"sr"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"pt-BR"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"fr-CA"},"title":{"value":"Boris K枚rs"}},{"language":{"name":"fr-FR"},"title":{"value":"Boris K枚rs"}}],"name":"Boris Kors","title":{"value":"Boris K枚rs"},"firmTitle":{"value":"Senior Partner"},"url":{"path":"/our-people/boris-kors"},"description":{"value":"Serves clients across the healthcare, health-insurance, pharmaceutical, medtech-manufacturing, and logistics industries "},"standardImage":{"src":"/~/media/mckinsey/our people/boris kors/boris-kors_190503_2774_profile_1536x1152.jpg","alt":"Boris Kors "},"locations":{"targetItems":[{"name":"Munich"}]},"mcKinseyIndustryPractices":{"targetItems":[{"name":"Healthcare"},{"name":"Life Sciences"}]},"mcKinseyFunctionalPractices":{"targetItems":[{"name":"Strategy \u0026 Corporate Finance"}]},"mcKinseyNonPracticeEntities":{"targetItems":[]},"regions":{"targetItems":[{"name":"Europe"}]},"interest":{},"backgroundHeader":{"value":""},"background":{"value":""},"emailLink":{"value":"Boris_Koers@McKinsey.com"},"linkedInUrl":{"value":"https://www.linkedin.com/in/boriskoers/?ppe=1 "},"twitterUrl":{"value":""}},{"template":{"name":"Profile"},"languages":[{"language":{"name":"en"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ja-JP"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"es-ES"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"es-CL"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ru-RU"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"zh-TW"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"cs-CZ"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"zh-CN"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"hr-HR"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"pl-PL"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"th-TH"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"he-IL"},"title":{"value":""}},{"language":{"name":"pt"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ar"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"tr-TR"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"id-ID"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"it-IT"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"vi-VN"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"nl-BE"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"pt-PT"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"es"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ko-KR"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"my-MM"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"de-DE"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"hu-HU"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"uk-UA"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ar-AE"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ms-MY"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"ro-RO"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"sr"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"pt-BR"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"fr-CA"},"title":{"value":"Shubham Singhal"}},{"language":{"name":"fr-FR"},"title":{"value":"Shubham Singhal"}}],"name":"Shubham Singhal","title":{"value":"Shubham Singhal"},"firmTitle":{"value":"Senior Partner"},"url":{"path":"/our-people/shubham-singhal"},"description":{"value":"Global co-leader of McKinsey's strategic priority on geopolitics; counselor to healthcare institutions on strategy, growth, M\u0026A, business building, and large-scale transformations. "},"standardImage":{"src":"/~/media/mckinsey/our people/shubham singhal/singhal_shubham_standard_profile_1536x1152.jpg","alt":"Shubham Singhal"},"locations":{"targetItems":[{"name":"Detroit"}]},"mcKinseyIndustryPractices":{"targetItems":[{"name":"Healthcare"}]},"mcKinseyFunctionalPractices":{"targetItems":[{"name":"McKinsey Transformation"}]},"mcKinseyNonPracticeEntities":{"targetItems":[{"name":"QuantumBlack, AI by McKinsey"}]},"regions":{"targetItems":[{"name":"North America"}]},"interest":{},"backgroundHeader":{"value":""},"background":{"value":""},"emailLink":{"value":"Shubham_Singhal@mckinsey.com"},"linkedInUrl":{"value":"https://www.linkedin.com/in/shubham-singhal-/"},"twitterUrl":{"value":""}}]}}}}},{"uid":"ec28645d-02a5-44db-9bfb-4b17a18ea672","componentName":"ThreeUpLinkList","dataSource":"{8C0BCB22-ACA5-410C-A110-04B8731CE285}","params":{"Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"sectionTitle":{"jsonValue":{"value":"How we help clients"}},"sectionHeader":{"jsonValue":{"value":""}},"sectionDek":{"jsonValue":{"value":""}},"readMoreLink":{"jsonValue":{"value":{"href":"/industries/healthcare/how-we-help-clients","text":"Back to practice overview","anchor":"","linktype":"internal","class":"","title":"","querystring":"","id":"{C65BB07B-FCA0-4CBA-9B9C-DE44218CA746}","name":"How We Help Clients"}}},"selectItems":{"jsonValue":{"value":[{"LinkType":"internal","Title":"","Text":"Advanced Analytics","Url":"/industries/healthcare/how-we-help-clients/americas/advanced-analytics","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Advanced Analytics"},{"LinkType":"internal","Title":"","Text":"Business Building","Url":"/industries/healthcare/how-we-help-clients/americas/business-building","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Business Building"},{"LinkType":"internal","Title":"","Text":"Commercial","Url":"/industries/healthcare/how-we-help-clients/americas/commercial","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Commercial"},{"LinkType":"internal","Title":"","Text":"Digital Strategy \u0026 Transformation","Url":"/industries/healthcare/how-we-help-clients/americas/digital-strategy-transformation","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Digital Strategy \u0026amp; Transformation"},{"LinkType":"internal","Title":"","Text":"Healthcare Consumer","Url":"/industries/healthcare/how-we-help-clients/americas/healthcare-consumer","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Healthcare Consumer"},{"LinkType":"internal","Title":"","Text":"Healthcare Innovation","Url":"/industries/healthcare/how-we-help-clients/americas/healthcare-innovation","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Healthcare Innovation"},{"LinkType":"internal","Title":"","Text":"Medicaid","Url":"/industries/healthcare/how-we-help-clients/americas/medicaid","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Medicaid"},{"LinkType":"internal","Title":"","Text":"Medical Cost Management","Url":"/industries/healthcare/how-we-help-clients/americas/medical-cost-management","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Medical Cost Management"},{"LinkType":"internal","Title":"","Text":"Medicare","Url":"/industries/healthcare/how-we-help-clients/americas/medicare","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Medicare"},{"LinkType":"internal","Title":"","Text":"Payer Operations","Url":"/industries/healthcare/how-we-help-clients/americas/payer-operations","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Payer Operations"},{"LinkType":"internal","Title":"","Text":"Performance Transformation","Url":"/industries/healthcare/how-we-help-clients/americas/performance-transformation","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Performance Transformation"},{"LinkType":"internal","Title":"","Text":"Pharmacy Services","Url":"/industries/healthcare/how-we-help-clients/americas/pharmacy-services","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Pharmacy Services"},{"LinkType":"internal","Title":"","Text":"Provider Performance","Url":"/industries/healthcare/how-we-help-clients/americas/provider-performance","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Provider Performance"},{"LinkType":"internal","Title":"","Text":"Provider Revenue Excellence","Url":"/industries/healthcare/how-we-help-clients/americas/provider-revenue-excellence","Target":"","CssClass":"","QueryString":"","Anchor":"","LinkTitle":"Provider Revenue Excellence"}]}}}}}},{"uid":"6c4ede59-27a3-43b4-ad44-694c4864a8a8","componentName":"PromoBar","dataSource":"{DBD2E851-8819-47BE-A7C6-BA4870F90E51}","params":{"Background Color":"{\"Key\":{\"value\":\"Lightest Grey\"},\"Value\":{\"value\":\"lightest-grey\"}}","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"sectionTitle":{"jsonValue":{"value":"Connect with our Healthcare Practice"}},"socialHeader":{"jsonValue":{"value":""}},"sectionHeader":null,"sectionDek":{"jsonValue":{"value":""}},"sectionEyebrow":{"jsonValue":{"value":""}},"socialLinks":{"jsonValue":{"value":[]}},"selectItems":{"jsonValue":{"value":[{"LinkType":"internal","Title":"","Text":"Contact","Url":"/industries/healthcare/contact-us","Target":"","CssClass":"btn-fill mck-email-icon","QueryString":"","Anchor":"","LinkTitle":"Contact Us","defaultLinkButton":true}]}},"backgroundImage":{"src":null,"alt":"","height":null,"width":null,"Description":null}}}}}],"universal-header":[{"uid":"94673a36-c81e-415f-a3c3-431f76778058","componentName":"EnhancedHero","dataSource":"{F09D9905-7AAA-4894-B92D-1010A9F591CC}","params":{"Show Breadcrumb":"1","Title Size":"{\"Key\":{\"value\":\"Huge\"},\"Value\":{\"value\":\"text-xxl\"}}","Text Position":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"center\"}}","Background Color":"{\"Key\":{\"value\":\"White\"},\"Value\":{\"value\":\"white\"}}","Hero Height":"{\"Key\":{\"value\":\"Default\"},\"Value\":{\"value\":\"\"}}","Image Crop":"{\"Key\":{\"value\":\"Center\"},\"Value\":{\"value\":\"Center\"}}","Vertical Alignment":"{\"Key\":{\"value\":\"Lowest\"},\"Value\":{\"value\":\"lowest\"}}","Gradient Direction":"{\"Key\":{\"value\":\"Top Right\"},\"Value\":{\"value\":\"top-right\"}}"},"fields":{"data":{"datasource":{"eyebrow":{"jsonValue":{"value":""}},"description":{"jsonValue":{"value":""}},"title":{"jsonValue":{"value":"Commercial"}},"standardImage":{"src":"/~/media/mckinsey/industries/healthcare systems and services/how we help clients/americas/commercial/commercial_hero_ 650045417_1536x768.jpg","alt":"Commercial","height":768,"width":1536,"Description":""},"mobileMediaOptional":{"src":null,"alt":"","height":null,"width":null,"Description":null},"tabletMediaOptional":{"src":null,"alt":"","height":null,"width":null,"Description":null},"selectItems":{"jsonValue":{"value":[]}},"callToActionLinks":{"jsonValue":{"value":[]}}},"contextItem":{"ancestors":[{"breadCrumbUrl":{"path":"/industries/healthcare/how-we-help-clients/americas"},"breadCrumbTitle":{"value":"Americas"},"isMiniSite":{"boolValue":false},"displayName":"Americas","template":{"id":"85FF05307883480F9A4C82123F72FFD8"}},{"breadCrumbUrl":{"path":"/industries/healthcare/how-we-help-clients"},"breadCrumbTitle":{"value":"How We Help Clients"},"isMiniSite":{"boolValue":false},"displayName":"How We Help Clients","template":{"id":"85FF05307883480F9A4C82123F72FFD8"}},{"breadCrumbUrl":{"path":"/industries/healthcare/how-we-help-clients"},"breadCrumbTitle":null,"isMiniSite":{"boolValue":true},"displayName":"Healthcare","template":{"id":"414C6C64AD35440E9668CF39D8A18CCF"}},{"breadCrumbUrl":{"path":"/industries"},"breadCrumbTitle":{"value":"Industries"},"isMiniSite":{"boolValue":false},"displayName":"Industries","template":{"id":"85FF05307883480F9A4C82123F72FFD8"}},{"breadCrumbUrl":{"path":"/"},"breadCrumbTitle":{"value":""},"isMiniSite":{"boolValue":false},"displayName":"Home","template":{"id":"85FF05307883480F9A4C82123F72FFD8"}}]}}}}]}}]}},"itemId":"656f48d3-b23f-47ef-97cf-f4f30d3bcf7b","pageEditing":false,"site":{"name":"website"},"pageState":"normal","language":"en","pageMetaData":{"alternateLanguages":[{"languageCode":"en","displayName":"English","url":"/industries/healthcare/how-we-help-clients/americas/commercial"}],"currentLanguage":"en","navigationLink":"industries","activeItemId":"{C65BB07B-FCA0-4CBA-9B9C-DE44218CA746}","miniSiteId":"{9355FD92-4458-4A6E-931E-5F4B6015ADB1}","officeCode":"","officeDisplayName":"","subscriptionPracticeData":null,"isAlaisedPage":false,"originalHostName":"www.mckinsey.com","updatedDate":"2023-06-03T09:07:54Z","createdDate":"2019-11-14T01:29:39Z","practice":{"isDefaultPractice":false,"name":"Healthcare","code":"N16","stickyTitle":"Sign up for emails on new Healthcare articles","stickySubtitle":"Never miss an insight. We'll email you when new articles are published on this topic.","previewLink":"","previewLinkLabel":"Preview","description":null,"descriptionText":"Get the latest articles on this topic delivered to your inbox","frequency":"Alert","regFormTitle":null},"url":"/industries/healthcare/how-we-help-clients/americas/commercial","isCareersPage":false,"officePath":"","hideAppPromo":false,"itemInfo":{"id":"656f48d3-b23f-47ef-97cf-f4f30d3bcf7b","fullPath":"/sitecore/content/McKinsey/Home/Industries/Healthcare/How We Help Clients/Americas/Commercial","templateName":"Universal Base JSS","templateID":"85ff0530-7883-480f-9a4c-82123f72ffd8"}},"defaultSettings":{"McKinsey Quarterly":"\u003cem\u003eMcKinsey Quarterly\u003c/em\u003e","FacebookCID":"soc-web","LinkedInCID":"soc-web","TwitterCID":"soc-web","Home Page SEO Details":{"Description":"McKinsey \u0026 Company is the trusted advisor and counselor to many of the world's most influential businesses and institutions.","Image_Url":"/~/media/images/global/seoimageplaceholder.jpg","Image_Alt":""}},"alumniDatalayerChunk":"static/chunks/alumnidatalayer.325ebb6069c1d69e.js"},"componentProps":{},"notFound":false,"noAccess":false},"__N_PREVIEW":true,"__N_SSP":true},"page":"/[[...path]]","query":{"timestamp":"1732261137826","path":["industries","healthcare","how-we-help-clients","americas","medical-cost-management"]},"buildId":"9vYT_fWQKRjfPT7lAZJdB","runtimeConfig":{"CONFIG_ENV":"production","CURRENT_ENV":"production","PUBLIC_URL":"https://www.mckinsey.com","PUBLIC_CMS_URL":"https://cms-prod.mckinsey.com","RECAPTCHA_V3_KEY":"6LdC5twSAAAAAF0dePIbY_ckeF05mKdYYJXn7uTg","INVISIBLE_RECAPTCHA_KEY":"6LcWCs0UAAAAAEik2NaGkfGH8mGHo1ThxIt-qUoE","USER_SERVICE_API_HOST":"https://prd-api.mckinsey.com","MOBILE_SERVICES_HOST":"https://mobileservices.mckinsey.com","SEARCH_SERVICE_API_HOST":"https://mckapi.mckinsey.com","OT_DATA_DOMAIN_SCRIPT_COM":"915b5091-0d7e-44d2-a8c4-cf08267e52fe","OT_DATA_DOMAIN_SCRIPT_DE":"13f50396-9d33-4d95-ba3e-1f108fa91009","OT_DATA_DOMAIN_SCRIPT_BR":"679eae24-1d5c-4f33-8aae-b35aa8269966","ADOBE_LAUNCH":"a400cfbb2fd3","BCOV_POLICY":"BCpkADawqM3Xn1B8iTmHawNytUSk0kXaQKMSM51CBVsYKHfwlRhZimTJqbOOq0NuyxTKQnvb4V9myMVRjwGkyGtJQO2HrUPOJHcsgkpbB-jyHwswonskf6XnZaF0TyyKkAQgbymSMtudeD9CLk-xCpqAzTaNUm7a3M3QKLN4pdLRNJ9_HbVMWzNpiUr5ezAVdMciDMwsD-gxNl43d7bfVP3wRhTNWbWUYn3WK7-Oz2gbxV6mMTm0jJU3SjK_x0meTprYUgdUWA-iDgwVglsnfJ_SVtVDPZypUokKv85GzFLM-ywjWlPM2Hg1ucemwwOpa-qvYBGfeMV7zP3n6s22hFCBveiWtHEBpV9N8f4rjmunMlxBx7kSlxIRjWquZm70hLRXMoxAgQ22BC86tBhgR_d1l9_-FzZuZIlZhzJwJi3ug1HszooHM8uEMOkHmB5nYj5XEgVk5JFYGcSwFSnMnNzE1ej2J3jcEiE3eSWHcremWjCZ0s9bs_8R08WpGWkBp8WMXUFfmhPBMk-MGixR_yIu7nJ6B_hYBnVhqKnnoW-xxEmRxgwG0Ev0S96cAcBG8qdlChGN7o1qN0heGTUIYnDk703q3lt9j7X4FgaITrlcPZOWZ96EHytVKUAtmtVp5BVGpiLn4viuUpEdAM_CLSBIaPVunk-39L8tm6m8iUYmbMX_KXPyaL900bQtVQgK39FCa0pUEZ_jSBOGNj1FH8NUPN2TS8_csNWfpN7gsaD9FBN3wUtawAD_RPdJ952odfwJqyvrkN89AyKnFdFMvUh6_4LCIQVYd4M5KC_k1WNLYb11KZhq6O4UaoyD4X1pV4-x0jBzEnc4VQTkL_04dw2xdPJ1uqUrmHuUcIBO0SKaEk6_5HYc3GKfYwmPz1oxMpOi-Rzw1QPyWIdbrcZdFbIHoVZ8FKfyslEv392pJMiKzUnVWL_3mZ0UqnGtddwlXYVdSs57AUdlrfOe7TVaaIMZ_kL7FSrbWrsaSufitSYr62xD1K1-qeb4wkx8QQEorxGJ3RG1Vpn97Pn5JEC_jvj0s7uzFgidYR9bp80EMmPCHUmRg-Hm1Aq1B4YMNc1ARnFz6UvT_8_pMhJEwKuypA-nPoJu4JZJNLVUdw","sitecoreApiKey":"{AD59BE63-BA20-47D4-A1B0-ECF30588E2E2}","sitecoreApiHost":"https://prod.mckinsey.com","FB_APP_ID":"1382278882079245","ARTICLE_API_HOST":"https://prd-api.mckinsey.com","SITECORE_FORMS_SERVICES_API_HOST":"https://prd-api.mckinsey.com","FEATURE_TOGGLES":"{\"stack_adapt_pixel\": true, \"article_seo_schema\":true, \"remember_me\": true, \"gql_promo_banner\": true, \"gql_highlight_bar\": true, \"gql_ceros_placeholder\": true, \"gql_two_up_medium\": true, \"gql_hero_with_partnership_mark\": true, \"gql_brightcove_gallery\": true, \"gql_one_up_medium\": true, \"gql_promo_bar_with_quote\": true, \"gql_fifty_fifty_hero\": true, \"gql_enhanched_hero\": true, \"gql_two_up_small\": true, \"gql_general_up\": true, \"gql_full_bleed_hero\": true, \"passwordless_login_enabled\": true, \"sso_enabled\": true, \"article_id\": \"\", \"personalisation_enabled\":true, \"hide_student_sticky_footer\":true, \"email_domain_validation_enabled\":true, \"enable_cid_cookie_qp\": true, \"otp_verification_enabled\": true}","HEADER_SCRIPT_HASH":"abcd1234","OKTA_AUTH_CLIENT_ID":"0oa8ppb3ypQ8uOI8y697","OKTA_AUTH_ISSUER":"https://dotcomidp.mckinsey.com/oauth2/aus2byav0jTElyFDD697/","AUTO_REDIRECTION_DURATION":"5","LINKEDIN_IDP":"0oaecyj1byxnfrfFk697","APPLE_IDP":"0oaeg2lxy6mq4PX5F697","GOOGLE_IDP":"0oaeczfkb03XL3E4O697","ALUMNI_BASE_API_URL":"https://dev-gateway.intranet.mckinsey.com/:apiKey/v1","ALUMNI_AUTHENTICATE_API_URL":"https://dev-ac3-okta-auth.intranet.mckinsey.com/authenticate","ALUMNI_OKTA_URL":"","ALUMNI_OKTA_ENABLED":"true","GOOGLE_MAP_API_KEY":"AIzaSyDqrGDNMDjy9pXHkMf-_Ut33LoC725GSe4","AWS_GATEWAY":"https://dev-gateway.mckinsey.com","AWS_API_GATEWAY_ID":"o63viscaj4","AWS_PERSONALIZATION_TRACKING_ID":"f3f97bc3-4ca7-4960-9e49-0bcff6294ab4","AWS_PERSONALIZATION_CID":"recommendations-onw-onw-mck-mck-art-2410-v1-user-ext-web","EVENTS_MODULE_CARDS_COUNT":"8","RECOMMENDATIONS_OFFER_ACTIVITY":"Article Recommendations"},"isFallback":false,"gssp":true,"locale":"en","locales":["en","da-DK"],"defaultLocale":"en","isPreview":true,"scriptLoader":[]}</script><script type="text/javascript" src="/CD521ZmoihS6ARo3gA/pYacztLGJLc6i9/DWRZTi91cQc/Jl/gQLhALSh4"></script></body></html>