One of the opportunities is the use of technology to drive operational excellence for health care insurance companies that drives administrative costs lower and increases the quality of experience for subscribers through transparency and control.
There seems to be three vectors of opportunity:
1. "Web 2.0" and "Semantic Web" applications for managing health-care plans, accessing information and personalizing a health-care plan without the use of an intermediary such as a health care agent.
2. Write once, read many times. I have filled out a paper form for every new physician and hospital visit.
3. Outsourcing computing and application operations. This is "cloud computing" from a lingo perspective.
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I think I still want a knowledgeable and experienced agent on a rare occasion to help me make fine tuning decisions; how would you incorporate; would it be hourly ? Or a commission fee?
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