Publications

August 2014
Case

Blue Cross Blue Shield of Florida, Inc.

By: Regina E. Herzlinger and Meng Li

Keywords: Health; Health Care Industry; Health Insurance; United States; Health Care and Treatment; Health Industry; United States; Florida

June 2014 (Revised November 2016)
Case

Access Health CT: Marketing Affordable Care (A)

By: John A. Quelch and Michael Norris

At the close of open-enrollment in March of 2014, Kevin Counihan, CEO of Access Health CT, Connecticut's state health insurance exchange, stops to consider the success it has experienced so far and think about how to ensure its long-term sustainability. View Details

Keywords: Health Care; Health Care Industry; Health Care Policy; Public Health Insurance Exchange; Health Care and Treatment; Health Industry; Connecticut

Blog Post

Health Care Transparency: The Fox Is Guarding the Chicken Coop in Washington Again

By: Regina E. Herzlinger

Now that more people can shop directly for their own health insurance under the Affordable Care Act, they have been transformed from potential patients to consumers, and like any other consumers of goods or services, they want to know if what they're buying is any... View Details

Keywords: Transparency; Health Care; Health Insurance; Health Care and Treatment; Health Industry

November 2013 (Revised January 2015)
Case

Obamacare

By: Matthew Weinzierl and Katrina Flanagan

One vote in June, 2012, decided the fate of President Barack Obama's crowning first-term achievement: universal health insurance. Chief Justice John Roberts of the U.S. Supreme Court cast the deciding vote to uphold the keystone of the reform: the mandate to purchase... View Details

Keywords: Universal Health Insurance; Adverse Selection; Leviathan; Courts and Trials; Judgments; Insurance; Health Care and Treatment; Government and Politics; Insurance Industry; Insurance Industry; Insurance Industry; United States

September 2013
Case

Advanced Leadership Pathways: General Gale Pollock and Services for the Vision Impaired

By: Rosabeth Moss Kanter, Juliane Calingo Schwetz and Patricia Bissett Higgins

In July 2012, retired United States Army Major General Gale Pollock created Elevivo, a venture that worked on developing a comprehensive disease management software system to support the growing number of visually impaired individuals by providing them with tailored... View Details

Keywords: United States; Health Care; Health Care Education; Insurance Companies; Disease Management; Technology; Military; Leadership Skills; Health; Health Care and Treatment; Education; Insurance; Information Technology; Entrepreneurship; Leadership; Health Industry; Health Industry; United States

September 2013 (Revised May 2014)
Case

OdontoPrev

By: Regina E. Herzlinger, Matthew Lingenbrink, Joshua Turnbull and Ricardo Reisen De Pinho

Brazil's largest dental insurer, a successful and innovative firm, has saturated the corporate market and faces stiffer competition. It must decide whether to enter a new market in Brazil or to expand into other parts of Central and South America. View Details

Keywords: Health; Business or Company Management; Market Entry and Exit; Insurance; Insurance Industry; Insurance Industry; North and Central America; Brazil

September 2013 (Revised August 2015)
Background Note

Leadership and Teaming

By: Ethan Bernstein

Small differences in the leadership of teams can have large consequences for the success of their efforts. Many initiatives fail not because of a fatal error in judgment or insufficient ideas, knowledge, motivation, or capabilities to deliver a solution. They fail... View Details

September 2013 (Revised August 2014)
Case

Ping An Health (PAH): Towards a Comprehensive Private Health Insurance Market in China

By: Regina E. Herzlinger and Da Liu

2013
Case

Advanced Leadership Pathways: General Gale Pollock and Services for the Vision Impaired

By: Rosabeth M. Kanter, Juliane Calingo Schwetz and Patricia Bissett Higgins

In July 2012, retired United States Army Major General Gale Pollock created Elevivo, a venture that worked on developing a comprehensive disease management software system to support the growing number of visually impaired individuals by providing them with tailored... View Details

Keywords: Disease Management; Health; Health Care and Treatment; Education; Information Technology; Insurance; Entrepreneurship; Leadership; Health Industry; Health Industry; United States

Article

Consumers' Misunderstanding of Health Insurance

By: George Loewenstein, Joelle Y. Friedman, Barbara McGill, Sarah Ahmad, Suzanne Linck, Stacey Sinkula, John Beshears, James J. Choi, Jonathan Kolstad, David Laibson, Brigitte C. Madrian, John A. List and Kevin G. Volpp

We report results from two surveys of representative samples of Americans with private health insurance. The first examines how well Americans understand, and believe they understand, traditional health insurance coverage. The second examines whether those insured... View Details

Keywords: Behavioral Economics; Simplification; Insurance; Consumer Behavior; Health Care and Treatment; Cognition and Thinking; Insurance Industry; Insurance Industry; United States

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August 2013 (Revised August 2014)
Case

Aon Hewitt's Private Health Insurance Exchange

By: Regina E. Herzlinger, Aiden Y. Feng and Meghan D. Oliver

Aon Hewitt, a leading health insurance broker and consultant, is one of the first movers in forming exchanges to sell health insurance. What kinds of products should it offer on this exchange? View Details

Keywords: Health Care and Treatment; Insurance

July 2013
Case

Montreaux Chocolate USA: Are Americans Ready for Healthy Dark Chocolate?

By: John A. Quelch and Diane Badame

Andrea Torres, director of new product development at a high-end chocolate confectionery company, leads her team through a carefully sequenced program of market research to support the development and launch of a new product, healthy dark chocolate with fruit. This is... View Details

Keywords: Competition; Food; Consumer Behavior; Nutrition; Product Launch; Product Development; Food and Beverage Industry; Switzerland; United States

2013
Article

Matching with Couples: Stability and Incentives in Large Markets

By: Fuhito Kojima, Parag A. Pathak and Alvin E. Roth

Accommodating couples has been a long-standing issue in the design of centralized labor market clearinghouses for doctors and psychologists, because couples view pairs of jobs as complements. A stable matching may not exist when couples are present. This article's main... View Details

Keywords: Market Design; Marketplace Matching; Balance and Stability; Jobs and Positions; Family and Family Relationships; Health Care and Treatment; Health Industry; Health Industry

February 2013
Article

Let them Have Choice: Gains from Shifting Away from Employer-Sponsored Health Insurance and Toward an Individual Exchange

By: Leemore S. Dafny, Katherine Ho and Mauricio Varela

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August 2012 (Revised December 2023)
Background Note

Note on Health Insurance Coverage, Coding, and Payment

By: Regina E. Herzlinger and Jo Ellen Slurzberg

This note explains how health care technology and service innovators receive payment from government insurers, in the U.S. and abroad, and from private insurers. It describes each of the three steps needed to obtain reimbursement: coverage, coding, and payment. It also... View Details

Keywords: Health Care Delivery; Health Care Costs; Health Insurance; Health Insurance Marketplaces; Health Care and Treatment; Cost; Insurance; Innovation and Invention; Private Sector; Public Sector; Decision Making; Information Technology; Health Industry; Health Industry

August 2012 (Revised January 2013)
Case

Public Health Insurance Exchanges: The Massachusetts Experience

By: Regina Herzlinger and Jordan Bazinsky

The CEO of Tufts Health Plan, James Roosevelt, is wondering whether to offer insurance products on the Massachusetts Connector, the first U.S. exchange. He wonders if he should enter these uncharted waters at all. And, if yes, with a broad network or a narrow network... View Details

Keywords: Health Insurance Exchange; Healthcare Reform; Public Health Insurance Exchange; Decision Making; Market Entry and Exit; Emerging Markets; Health Care and Treatment; Insurance Industry; Insurance Industry; Massachusetts

Blog Post

Why Economic Conservatives Should Support the Individual Mandate in Health Care

By: Regina E. Herzlinger

Although many conservatives are gnashing their teeth about the Supreme Court's upholding the individual mandate, had it not been upheld, their worst nightmares would have occurred: government would have required hundreds of billions in additional taxes to pay for... View Details

Keywords: Health Care; Health Care Industry; Health Insurance; Health; Health Care and Treatment; Health Industry

April 2012
Article

Paying a Premium on Your Premium? Consolidation in the U.S. Health Insurance Industry

By: Leemore S. Dafny, Mark Duggan and Subramaniam Ramanarayanan

October 2012
Article

The Impact of Tort Reform on Employer-Sponsored Health Insurance Premiums

By: Ronen Avraham, Leemore S. Dafny and Max Schanzenbach

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