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  • All HBS Web  (1,623)
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  • October 2022
  • Supplement

Beam Dental (B)

By: Rembrand Koning and Alicia Dadlani
In May 2016, venture-backed Beam Dental was on the brink of financial collapse. Cofounder and CEO Alex Frommeyer weighed the unattractive terms of a bridge loan offered by Beam’s largest investor. Frommeyer needed to decide whether to accept the terms or concede defeat... View Details
Keywords: Business Startups; Business Strategy; Entrepreneurship; Insolvency and Bankruptcy; Financing and Loans; Insurance Industry; United States; Kentucky; Ohio
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Koning, Rembrand, and Alicia Dadlani. "Beam Dental (B)." Harvard Business School Supplement 723-356, October 2022.
  • January 2, 2020
  • Article

Medicare for All or Public Option: Can Either Heal Health Care?

By: Regina E. Herzlinger and James Wallace
The United States has serious health care problems: More than 27 million uninsured people, costs that are growing faster than income, and a staggering $37 trillion of unfunded liabilities in the Medicare program. Perhaps most alarming: The US ranks lowest among... View Details
Keywords: Healthcare; Public Option; Medicare; Health Care and Treatment; Insurance; Cost Management; Problems and Challenges; United States
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Herzlinger, Regina E., and James Wallace. "Medicare for All or Public Option: Can Either Heal Health Care?" Harvard Business School Working Knowledge (January 2, 2020).
  • August 1993
  • Case

USAA: Business Process Review for the Great Lakes Region

By: James L. Heskett and Roger H. Hallowell
USAA proposes to develop a new set of processes for its property and casualty division. The case focuses on processes used in automobile claims. View Details
Keywords: Business Processes; Insurance Industry; United States
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Heskett, James L., and Roger H. Hallowell. "USAA: Business Process Review for the Great Lakes Region." Harvard Business School Case 694-024, August 1993.
  • 12 Jul 2006
  • Research & Ideas

Competition the Cure for Healthcare

past. Health plans think of themselves as insurance companies because that is what they started out doing. Providers are organized around the old functional structure of specialties, rather than integrated care organizations. It is a lot... View Details
Keywords: by Roger Thompson; Health
  • October 2024
  • Article

Medicare Part D Protected-Class Policy Is Associated with Lower Drug Rebates

By: Pragya Kakani, Michael Anne Kyle, Amitabh Chandra and Luca Maini
Medicare Part D does not allow plans to exclude drugs in six protected classes from their formularies, which may limit plans’ ability to negotiate rebates and lead to higher spending. We estimated the association between protected-class status, US-level estimated... View Details
Keywords: Insurance; Health Care and Treatment; Governing Rules, Regulations, and Reforms; United States
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Kakani, Pragya, Michael Anne Kyle, Amitabh Chandra, and Luca Maini. "Medicare Part D Protected-Class Policy Is Associated with Lower Drug Rebates." Health Affairs 43, no. 10 (October 2024): 1420–1427.
  • March 2013 (Revised December 2016)
  • Supplement

Assured Guaranty (CW)

By: Robin Greenwood, Adi Sunderam and Jared Dourdeville
Keywords: Value Investing; Investments; Valuation; Insurance; Investment; Behavioral Finance; Insurance Industry
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Greenwood, Robin, Adi Sunderam, and Jared Dourdeville. "Assured Guaranty (CW)." Harvard Business School Spreadsheet Supplement 213-724, March 2013. (Revised December 2016.)
  • 02 Sep 2008
  • First Look

First Look: September 3, 2008

trade in and out of insurance products and is not subject to regulatory restrictions. Yet, Nephila only capitalizes 1% of the entire catastrophe View Details
Keywords: Sean Silverthorne
  • 27 Feb 2020
  • Sharpening Your Skills

How Following Best Business Practices Can Improve Health Care

Either Heal Health Care?A public insurance option could use its scale to hold prices down, but only if the approach avoids the financing gimmicks that are undermining Medicare. Research Papers Cohort Turnover View Details
Keywords: by Sean Silverthorne; Health; Medical Devices & Supplies
  • 03 Sep 2020
  • Op-Ed

Why American Health Care Needs Its Own SEC

services of unknown quality. The lack of transparency protects providers and insurers from needing to compete on the price and quality of their services. Lack of competition,... View Details
Keywords: by Regina E. Herzlinger; Health
  • 29 Jun 2007
  • First Look

First Look: June 29, 2007

major improvements in economic performance nearly everywhere they were adopted or imposed. Risk Management, Capital Budgeting and Capital Structure Policy for Insurers and... View Details
Keywords: Martha Lagace
  • 17 May 2011
  • First Look

First Look: May 17

811-093 Aid in understanding of financing entrepreneurship. Purchase this note:http://cb.hbsp.harvard.edu/cb/product/811093-PDF-ENG Note on the Reinsurance Industry Robert C. Pozen and Henoch SenbettaHarvard... View Details
Keywords: Sean Silverthorne
  • 02 Sep 2014
  • Research & Ideas

Food Stamp Entrepreneurs: How Public Assistance Enables Business Bootstrapping

risks of business ownership and relaxing credit constraints," Olds writes in the 2014 paper "Entrepreneurship and Public Health Insurance." Studying The Social Safety Net Olds grew up on... View Details
Keywords: by Carmen Nobel; Health
  • October 24, 2018
  • Article

End the Corporate Health Care Tax

By: Mark R. Kramer and John Pontillo
Imagine if a single piece of legislation could effectively eliminate all U.S. corporate taxes, subsidize hundreds of millions of dollars in new corporate investment, increase the take-home pay of most U.S. employees, ease state and local budgets, and reduce the U.S.... View Details
Keywords: Corporate Taxation; Health Care and Treatment; Insurance; Taxation; Governing Rules, Regulations, and Reforms; United States
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Kramer, Mark R., and John Pontillo. "End the Corporate Health Care Tax." Harvard Business Review Digital Articles (October 24, 2018).
  • 20 Jan 2016
  • Research & Ideas

Maybe Uber isn't God's Gift to Mankind

option that is often more convenient than a traditional taxicab service—not to mention less expensive. With these benefits, consumers and investors are also tempted to give these companies a pass for accusations that they cut corners on... View Details
Keywords: by Carmen Nobel; Insurance; Insurance
  • May 2025
  • Case

RTX's Lifetime Income Strategy: Shaping the Future of Retirement

By: Daniel Green, Luis M. Viceira and Sarah Mehta
Set in 2024, this case explores the Lifetime Income Strategy (LIS), a novel retirement product launched by aerospace and defense company RTX in 2012. Aiming to embed the security of a traditional pension within a 401(k) plan, the LIS allowed participants to secure a... View Details
Keywords: Asset Management; Compensation and Benefits; Collaborative Innovation and Invention; Jobs and Positions; Labor; Retirement; Society; Adoption; Personal Finance; Insurance Industry; Insurance Industry; Insurance Industry; United States; Virginia
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Green, Daniel, Luis M. Viceira, and Sarah Mehta. "RTX's Lifetime Income Strategy: Shaping the Future of Retirement." Harvard Business School Case 225-016, May 2025.
  • 03 Jul 2012
  • Research & Ideas

HBS Faculty on Supreme Court Health Care Ruling

the average expenses of the sick enrolled in state high-risk pools ranged from $8,000 to $24,000. Even the top 10 percent of taxpayers, with incomes over $110,000, could barely afford these sums. Sick people are currently insured because... View Details
Keywords: Re: Multiple Faculty; Health
  • 16 Jul 2008
  • Op-Ed

What Should Employers Do about Health Care?

In the United States, employers have often treated health benefits as a necessary evil. They have focused on the rising cost of providing health insurance benefits and taken aggressive steps to bring costs... View Details
Keywords: by Michael E. Porter, Elizabeth O. Teisberg & Scott Wallace; Health
  • May 2002
  • Case

Mellon Investor Services

By: Thomas J. DeLong
James Aramanda, head of Mellon Investor Services, must decide how to change the focus of his business. He works with consultants to create a change strategy to enhance a business that is already doing well. Will he be able to interest his professionals in changing the... View Details
Keywords: Organizational Change and Adaptation; Change Management; Innovation Leadership; Growth and Development Strategy; Business Strategy; Management Teams; Insurance Industry; Insurance Industry; United States
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DeLong, Thomas J. "Mellon Investor Services." Harvard Business School Case 402-036, May 2002.
  • 22 Apr 2020
  • Research Event

How Investors Are Sizing Up Climate Change’s Risks—and Opportunities

Until a few years ago, climate change’s potential impact seemed abstract for many investors. Now, as sea levels rise, hurricanes intensify, and droughts threaten food supplies, many investors are confronting its financial realities. But it’s not a simple calculation.... View Details
Keywords: by Danielle Kost; Financial Services
  • October 1988 (Revised May 1990)
  • Case

Ford Motor Co.: The Product Warranty Program (A)

Raises powerful issues concerning product warranty policy as a strategic marketing variable. Also raises several exciting issues concerning the role of product policy in competitive battles, product line issues, interfunctional coordination issues, and some ethical... View Details
Keywords: Competition; Marketing Strategy; Insurance; Product; Policy; Manufacturing Industry; Auto Industry; United States
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Menezes, Melvyn A. "Ford Motor Co.: The Product Warranty Program (A)." Harvard Business School Case 589-001, October 1988. (Revised May 1990.)
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