Tom Main Health Market 2.0 Presentation

8/17/2019 Tom Main Health Market 2.0 Presentation

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HEALTH & LIFE SCIENCES

Health

Market 2.0

The patientto consumerrevolution

Quantifiedself

Transparentconsumermarkets

Smartcare teams


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CHANGING THE

CONVERSATION


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22© Oliver Wyman | CHI-HLC06101-089

THE PATIENT TO

CONSUMER REVOLUTION

WHAT HAPPENS WHEN THE CONSUMERJOINS THE CONVERSATION?

WE WANT TOUNDERSTANDWHAT MATTERS ABOUTOUR HEALTH

WE WANTFEEDBACK ANDTOOLS TO HELPUS LIVE LONGER AND BETTER

WE WANT TO BE ABLE TO MAKEINFORMEDDECISIONS ABOUTHEALTH SERVICES

WE NEED TO BE ABLE TO STRETCHOUR DOLLARSBEYOND THEBENEFIT PLAN

WE NEED OURCARE TEAM TOTREAT USHOLISTICALLY &HELP US LIVEBETTER

WE WANT ANYTIME & ANYWHERE ACCESS TOCONVENIENTCARE


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REFRAMING WHAT

IS POSSIBLE


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NoCoordination

of Care

Hard to fitpatients inschedule

Lack resources tomanage chronic

illnesses

DoctorsWait weeks

to see doctor

Too manypatients, too little

time

No time or $ totalk end of life

Emotionallyattached

Byzantinebilling

More billingstaff thannurses

Hard to beideal doc

Professionalfrustration

MissAppointments

Problems gounnoticed

Can’tDrive

Complicatedreferrals

15-20medications

Patient

Expensivehospitalization

Multiplespecialists

Conflictingtreatments

No holisticcare

Emergency?Call 911

Expensiveco-pays

No end-of-life

plan

HealthPlan

Redundanttreatment

Hard to findquality docs

Costly

seniorcare

Risk ofadverseselection

death spiral

Need tominimize

costs Stafffocused on

costs, notprevention

Smallmargin forMedicarepatients Denial of

coverage

HEALTH MARKET 1.0 IS BROKEN


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B 2 B 2 c

B 2 B 2 C

B 2 b 2 C

yesterday

today

tomorrow

WHAT IF THIS TIME WE STARTEDWITH THE CONSUMER?


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+ HEALTHMARKET 2.0 =

TechnologyInnovation

Capital

Leadership

A $1TN OPPORTUNITY


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HealthMarket 1.0

HEALTHMARKET 2.0

Total cost reduction 20% 40%

Trend reduction 3% 5%

Consumer experienceimprovement

25% 300%

Value rotation $100 BN $1 TN

Rate of innovation

and dif fusion 100X 1,000X Extra years ofgood living

3 10

CREATING UNHEARD OF BUT ACHIEVABLE VALUE


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• MyFitnessPal• Jawbone• Zipongo• Livongo

• Google• IBM Watson• Apple

• Theranos• Hudson Alpha• Illumina• 23andMe

• Castlight• WebMD• DocSpot• Amazon

• Liazon• Bloom

• Welltok• Audax

• Teladoc• MDLive

• HealthCarePartners

• Iora• Qliance• CareMore

• Evolent• xG Health• Optum• Healthagen

• Weight

Watchers• Whole Foods• McDonald's•GNC

• Walgreens• Walmart•CVS• Rite Aid

TECHNOLOGY

ATTACK

CONSUMER

MARKETS

HEALTH

ECOSYSTEMS

RISE OF

RETAIL

HealthMarket

1.0

Advanceddiagnostics

Healthshopping

Exchanges

Engagementplatforms

Telehealth

Smart careteams PHM

PHM

enablement

Food andgrocery

Retail

Mobile andmonitoring Tech – Big data

IT IS ALREADY UNDERWAY


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• MyFitnessPal• Jawbone• Zipongo• Livango




• Liazon• Bloom



• HealthCare Partners• Iora• Qliance• CareMore


• Weight

Watchers• Whole Foods• MacDonald's• GNC

• Walgreens• Walmart• CVS• Rite Aid

HealthMarket

1.0

Advanceddiagnostics

Healthshopping

Exchanges

Engagementplatforms

Telehealth

Smart careteams PHM

PHM

enablement

Food andgrocery

Retail


… AND BLURRING THE LINES

TECHNOLOGY

ATTACK

CONSUMER

MARKETS

HEALTH

ECOSYSTEMS

RISE OF

RETAIL

Benefitscoverageand risk

Healthcaredelivery

Healthyliving &

wellness

Long-termlife/health

planning

TECHNOLOGY ATTACK


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10© Oliver Wyman | CHI-HLC06101-089 10

R I S E

O F

R E T A I L

C ON S UME

RMARKET S

EX CHA

N GE S

EN GA GEME

NT

PLATF ORM S

HEALTH

SH OPPIN G

TELEHEALTH

ADVANCED DIAGNOSTICS

SMART CARE TEAMS PHM

R E T A I L

F O O D

A N D

G R O C E R Y

MOBILE AND MONITORING

MyFi t nessPal J awboneZi pongo Li vango

TECH – BIG DATA

PHM ENABLEMENT

Googl e I BM WatsonAppl e

Theranos Hudson Al phaI l l umi na 23andMe

C a s t l i gh t

W e b MD

D o c S p ot

A m az on

L i az on

B l o om

W el l t ok

A u d ax

Tel adoc MDLi veHeal t hCare Par t ner s I oraQl i ance CareMore

Evol ent xG Heal t hOpt um Heal t hagen

W e i g h t W a t c h

e r s

W h o l e F o o d s

M c D o n a l d s

G N C

W a l g r e e n s

W a l m a r t

C V S

R i t e A i d

HEALTH AND WELLNESS ECOSYSTEM

• Billions in corporate/strategic investment – IBM, Google, Apple,Samsung, GE, Walmart, etc. – exponential growth in PE funding

• Over 200m consumers engagedin their health through wearable devices, apps and web services

• Close to 100,000 mobile health apps, with the top 10 generatingover 4 million downloads per day

• Over 1,600 retail-driven convenience clinics and virtual-healthbroadly available everywhere

• One hundred new predictive biomarkers and one thousandunder R&D

TECHNOLOGY ATTACK


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R I S E

O F

R E T A I L

C ON S UME

RMARKET S

EX CHA

N GE S

EN GA GEME

NT

PLATF ORM S

HEALTH

SH OPPIN G

TELEHEALTH

ADVANCED DIAGNOSTICS

SMART CARE TEAMS PHM

R E T A I L

F O O D

A N D

G R O C E R Y

MOBILE AND MONITORING

MyFi t nessPal J awboneZi pongo Li vango

TECH – BIG DATA

PHM ENABLEMENT

Googl e I BM WatsonAppl e

Theranos Hudson Al phaI l l umi na 23andMe

C a s t l i gh t

W e b MD

D o c S p ot

A m az on

L i az on

B l o om

W el l t ok

A u d ax

Tel adoc MDLi veHeal t hCare Par t ner s I oraQl i ance CareMore

Evol ent xG Heal t hOpt um Heal t hagen

W e i g h t W a t c h

e r s

W h o l e F o o d s

M c D o n a l d s

G N C

W a l g r e e n s

W a l m a r t

C V S

R i t e A i d

HEALTH AND WELLNESS ECOSYSTEM

BLURRING THELINES


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Undiagnoseddepression;

pre-hypertensive

Poly-chronic, severe mobilityimpairment, depression, in skilled

nursing facility

Overweight, diabetic,high blood pressure,

undiagnoseddepression

H e a l t h s t a t u s m i g r a t i o n

Lifetime

Psychologist catchesearly depression,

addresses it

Nutritionist helps craftbetter diet to promote

good weightPCP addresseshigh cholesterol

with an Rx

Occasional home carevisits help maintain

independence

Over weight, diabetic,

high blood pressure,depression, CHF

Fully mobile

Care team prescribescoaching, diet,exercise program

Biosensors, light weighttraining, strength andstretch training

Health Market 2.0

Health Market 1.0

GIVING US THE PROMISE OF TENMORE GOOD YEARS

PhysicianCentered Sick Care


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HEALTH MARKET 1.0 HEALTH MARKET 2.0

Sickness Whole health and wellness

Symptomatic response Prevention and prediction

Transactional Personalized and relationalOffice hours Always

Opaque with few standards Transparent with value metrics

Fee for service – provider units Global budgets & consumer units

Plan sponsor Consumer

REFRAMING WHAT IS POSSIBLE


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ELEMENTS OF

HEALTH MARKET 2.0


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ELEMENTS OF HEALTH MARKET 2.0


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HYPERTENSIVE

NON-COMPLIANTDIABETIC

OBESE

ADULT

HONDA

Meet FRED 1.0

ENGAGED

COMPLIANTLIVING BETTER

CONNECTED

MORE GOOD YEARS

Meet FRED 2.0POPULATION HEALTH PYRAMID

• 15% of thepopulation

• 60% of the cost• Failure of FFS

sick care• Central to Health

Market 2.0

40% improvement in value --- 300% better experience ---infini tely more access --- ten more years of good l iving

HONDAS, PYRAMIDS & GLOBAL RISK

$10k

LIFESTYLE MEDICINE

$25k

STARTING WITH 1.0 BASICS


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Quantif ied self

Healthylivingvalues

Clinicaland healthconditionvalues

Expense andbudget values

Quantified self thebridge to apersonalized healthand wellnessmarketplace

Social andexpert

communities

Health livingrewards exchange

Exchanges andshopping market



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Changing consumer’s health IQ and engagement level thru real timehealth/living feedback through a common sense mobile app

Healthy living values

• Steps or activity• Sleep• Nutrition• Stress• Weight

Clinical and healthcondition values• Blood sugar• Weight changes• Blood pressure• Heart function

• Blood oxygen

QUANTIFIED SELF


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Healthy living values• Steps or activity

• Sleep• Nutrition• Stress• Weight

Clinical and healthcondition values• Blood sugar

• Weight changes• Blood pressure• Heart function• Blood oxygen

Real time personalized

preventive health

Quantified selfthe bridge to apersonalizedhealth and

wellnessmarketplace

Exchanges andshoppingmarket

Smart personalized

shopping

Smart care teama personalizedecosystem

Health livingrewards

exchange

Increased relevance

and engagement

through social

communities

Social andexpertcommunities

Expense andbudget v alues• Affordability• Deductible status

• Exposure• Pharmacy costs• Reward opportunities

QUANTIFIED SELF


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WHAT IS NEW• Consumers get real time feedback on how they are living –

steps and sleep now, key clinical values very soon

• Explosion of real time information, driving consumerengagement, increasing awareness and ‘health’ and

‘benefits’ IQ• Heightened awareness and virtual clues create habit changing

teachable moments

• Quantified self makes personalized shopping and experiencespossible

• Consumers share their quantified self information to enable smart careteams to help with monitoring and prevention

• Quantified self enables a new consumer health currency throughbehavior based rewards

QUANTIFIED SELF


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WHY IT MATTERS• Quantified self and mobile apps are mainstreaming – the ‘race is on’ to

own the integrated consumer apps

• Consumers will expect health plans and smart care teams to be‘q-self ready’

• Quantified self is an information and personalization business designand moves at silicon speed

• The shift from occasional asynchronous data capture to daily real timeinteractions is a game-changer; across the pyramid

• Shared quantified self information leads to ten percentage points of

increased value

• Social communities are powerful and here to stay

QUANTIFIED SELF


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Transparent consumer markets

PersonalizedBetter Living

Itinerary

Crowd SourcedRecommendations

Retail HealthyLiving Services

Personal HealthEconomy/Bank

ConvenientCare

Major Diseasesand Conditions

Surgical andDiagnosticProcedures

Acute andComplex Care

Services

Annual DecisionProcess

Plan YearMarketplace


TRANSPARENT CONSUMER MARKETS


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Crowd sourcedrecommendations

Personal healtheconomy/bank• Benefits• Reward• Flex dollars• Cash/debt

Insightsengine

Annual decis ionprocess


Consumers with advanced decision tools building personalizedconfigurable health solutions during annual enrollment

Personalized

better livingitinerary

Smart care team



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Annual decisi on

process


• Cancer care• Inflammatory disease• Vascular and cardiac• Renal care

Over t ime consumers and families having better information for makingtreatment decisions regarding serious diseases and complex care

Acute and

complex careservices

Consumers

making informed

decisions about

disease treatment

and complex care

Majordiseases and

conditions

Convenient careSurgical anddiagnosticprocedures

Retail healthyliving services

Plan yearonline shopping

marketplace



Insightsengine

Personalized


Smart care team



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Retail healthyliving

services

Acu te andcomplex care

services

Surgical anddiagnosticprocedures

• Cancer care• Inflammatory disease• Vascular and cardiac• Renal care

Consumers and

families working

with their smart

care team and

decision tools to

make moreinformed

decisions on

acute and

complex care

Convenient care

Real time shopping based on

price location, waiting times and

experience

Consumers making informed decisions

about disease treatment with support

tools and their smart care team

Bundled procedures with comparative price,

value, experience and outcome information

Retail health and wellness

shopping with integrated rewards

Annual dec is ionprocess

Plan yearonline shopping

marketplace

Majordiseases and

conditions




Insightsengine

Personalized


Smart care team



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WHAT IS NEW• Consumer’s personalize their annual health plan decision process;

to fit life/health needs, engagement preferences and budget

• Consumers shop during the plan year for health services (within networks)with price and value transparency

• Consumers benefit from ‘smart shopping decisions’ by earning credits• Health plans re-contract with providers moving to new consumer economic

units (e.g. knee replacement) with preset value metrics

• Five new health services markets emerge – ranging from convenient care tomajor disease markets

• Prices fall to the median and providers compete on value as spot marketsdevelop to match idle supply with consumer demand at the ‘right price’

• The new health services market includes health and wellness productsand services




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WHY IT MATTERS• First generation transparent shopping apps are all ready in market with

great access to capital

• Mega-retailers will mainstream transparent shopping for convenient careservices and change the basis of competition

• Consumers with quantified self and shopping apps will demandtransparent shopping and reward the best value competitors

• This is an information business – moves at silicon speed andignores geography

• Over a hundred millions of consumers are already shopping – at least for

better information• Moving the surgical and diagnostic market to median pricing saves 10% of

the total cost of healthcare


ELEMENTS OF HEALTH MARKET 2 0


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Predictive, personalized, preventive health,wellness and engagement system

Smart CareTeam

A Personali zedEcosystem

Communicationplatform

Biosensors andmonitoring

Predictiveinsights engine

Weight

management

Stressmanagement

Nutritionmanagement

Smartclinics

Retailpharmacyclinics

Coaching

Telehealth

Physical inthe community

resources

Virtual healthresource access

Better livingprogramming

IT enablementengines

Complex Adaptive Workflow

Personalized Health Itinerary

Intuitive engagement model

Real time biometric and dailyliving information

Personalized connectedrelationship

Smart care teams


SMART CARE TEAMS


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The smart care team building the foundation with full mult i-skill teamcomposition and a consumer better-living culture

Retail pharmacyclinics

Complex AdaptiveWorkflow

Personalizedconnected relationship

Smart CareTeam

A Personal izedEcosystem

Smart clinics

Physicalin the

communityresources

SMART CARE TEAMS

SMART CARE TEAMS


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Real time biometric anddaily living information

Predictive, personalized, preventive health, wellness andengagement system

Value based acute andcomplex care services


Smart care

teams partnerwith consumers

to navigate and

coordinate

acute and

complex care

Smart CareTeam

A Pers onalized

Ecosystem




Weightmanagement

Stressmanagement

Nutritionmanagement

Smartclinics


Coaching

Telehealth


resources

Virtual healthresourceaccess


ITenablement

engines

Genomics andadvanced diagnostics

Shared longitudinal andcollaborative health record

SMART CARE TEAMS

SMART CARE TEAMS


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WHAT IS NEW• Personalized and predictive using big data and insight engines for

micro segmentation

• Coordinated ecosystems facilitating multiple points of access andimproving convenience

• Integrated virtual services making health resources available anywhereand anytime

• Complex adaptive workflow aligning the care team to the consumer’sneeds across the ecosystem

• Passive monitoring and real time feedback, eliminating most

preventable acute events

• Consumer health itineraries, proactive coaching and real timeengagement promoting healthier living

SMART CARE TEAMS

SMART CARE TEAMS


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WHY IT MATTERS• Consumers love smart care team ecosystems – extremely magnetic

• Smart care teams improve ‘benefits value’ by as much as 40% andbecome the new front end

• The next wave of value is information based, moves at silicon speeds

and massively improves resource leverage• Consumers live better and feel more connected with their smart

care teams

• Smart care teams can leapfrog over medical homes; innovators havealready proven the model

• National retailers could drive the model at scale

SMART CARE TEAMS

Understanding the new profit levers


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Consumerengagement

Lifestyle

medicine

Big data andpredictive

health

Magnitudes

illustrative

Understanding the new profit levers

THE FORTY PERCENT OPPORTUNITY

Passivemonitoring &

earlyinterventions

HealthMarket 1.0

H E A L T H

V A L U E

I M P A C T

O P P O R T U N

I T Y

Potentialprofit

10%

10%

10%

5%

Smart careteam

ecosystems

5%

HealthMarket 2.0

Better consumerpricing

THE NEW PROFIT DRIVERS

Next generation PHMs will thrive on complex adaptive systems that are


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Next generation PHMs will thrive on complex adaptive systems that arehighly-tailored to particular segments of the population

End of life

• Palliative care experts• Support for caregivers

• Hospice centers

• Legal/financial advisersfor family

• Etc.

Poly-chronic/complex• Dedicated “Extensivists”

• Remote monitoring

• Specialty clinics• Integrated behavioral health

• Etc.

Severe behavioral

• Dedicated psychiatricNPs/MDs

• Bio-monitoring ofRx adherence

• Dedicated social workerand PCP

• Etc.

Chronic withsocial needs• Case worker embedded

in care team• Dedicated coach focused

on nutritional and mentalhealth needs

• Etc.

Early chronic/at-risk• Dedicated health coach

focused on fitness, nutrition

• Attention to behavioral health

• Rewards for meetinghealth goals

• Etc.

Generally healthy• Affordable acute

care options

• Rewards and incentives

• Social/mobile healthtracking tools

• Etc.

Potential

Care ModelComponents

Specialized care models will be supported by new population-specific ecosystems

Quantif ied self


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HEALTH

MARKET2.0

Qua t ed se

Healthyliving values

Clinical andhealthconditionvalues

Expense and budgetvalues

Quantified self the bridgeto a personalized healthand wellness marketplace

Social andexpert communities

Health livingrewards exchange

Exchanges andshopping market

Transparent consumermarkets

Personalized BetterLiving Itinerary

Crowd SourcedRecommendations


Personal HealthEconomy/Bank

ConvenientCare



Acute and ComplexCare Services

Annual DecisionProcess

Plan YearMarketplace


Smart CareTeam

A Personalized

Ecosystem




Weightmanagement

Stressmanagement

Nutritionmanagement

Smartclinics


Coaching

Telehealth


resources

Virtual health resourceaccess


IT enablement

engines




Real time biometric and dailyliving information

Personalized connected relationship

Smart care teams


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UNLOCKING THEINCUMBENT’S DILEMMA


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The biggest problem inbusiness …

is staying with yourpreviously successfulbusiness model two to three

years too long.


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Why is it …that the mental model ofindustry leaders lags themarket by 2–3 years?


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The trill ion dollarquestion…

how can you change themental model and thrive inHealth Market 2.0?

CHANGE YOUR FRAME OF REFERENCE


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CHANGE YOUR FRAME OF REFERENCE

• MyFitnessPal• Jawbone• Zipongo• Livongo




• Liazon• Bloom



• HealthCare

Partners• Iora• Qliance• CareMore


• WeightWatchers

• Whole Foods• McDonald's•GNC

• Walgreens• Walmart•CVS• Rite Aid

TECHNOLOGY

ATTACK

CONSUMER

MARKETS

HEALTH

ECOSYSTEMS

RISE OF

RETAIL

HealthMarket2.0

Advanceddiagnostics

Healthshopping

Exchanges

Engagementplatforms

Telehealth

Smart careteams PHM

PHMenablement

Food andgrocery

Retail


DON’T GET BLIND SIDED BY THE


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Networkadvantage

Value chaincontrol

New industrystandard

Productleadership

True commodity

Price position

Priceadvantaged

Abovemarket

Market posit ion

Multi-year leadLaggard

Ecosystem

Highlycoordinated

Consumerbeware

Point of design

Consumer -health

Physician -disease

Transformative value

Becomemagnetic

Delightconsumers

A new consumer

economy with

redefined value

Priced based

Competition and

substitute economics

DON T GET BLIND SIDED BY THESPEED OF CHANGE

KNOW THAT IT IS NOT A LEVEL


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PLAYING FIELD

Assetintensity

Return oncapital

Access tocapital

WALL ST

Marketvalue

Speed

InformationIntensity

Regulation

Geographicscope

New Players

Adjacencies

1 new operatingtheatre a decade

1 dollar of capitalfor a dollar of

revenue

25 new productreleases a year

5 cents of capitalfor a dollar of

revenue

Incumbents

AGILITY WEIGHTGLUE FUEL

A capitalmarketsperspective

UNDERSTAND THE HOT SPOTS


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• Convenientand virtualcare

• Smart careteams

• Surgical anddiagnosticbundles

• Predictiveanalytics

• Real-time

adaptiveworkflow

• Next gendiagnostics

DEMAND MARKETS

• Passiveconnectedmonitoring

• Personalizedprevention

• Engagementand rewards

market

• Consumershopping tools

• Product

exchanges

• Configurablehealth plans

• In-networkshopping

SUPPLY MARKETS

IncumbentsGET INTO THE RACE


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Slow withheavyconstruction

Protectthe fort

Reinvent&

Innovate

Consumer configurablehealth plans

Population based smartcare team ecosystems

FOR VALUE

Slow withheavy

construction

Protect

the fort

Reinvent&

InnovateWhere is your organization?

Where is your organization?

Provider

Payer

BUILD TO WIN IN HEALTH MARKET 2.0


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Healthy livingcommunitystores +

Transparentconsumershopping markets

Health andwellness

consumer banking

Consumerconfigurable

health plans

Personalizedbetter living

ecosystems

Population basedsmart care teamecosystems

Provider

Payer

Retail Pharmacy

Credit/Debit Card

Web Services

Smart Phone +

Incumbents Adjacencies New Players

s m a r t Transparent consumercare team ecosystems

s h o p p

Consumer configurable health plans


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4646© Oliver Wyman | CHI-HLC06101-089 Personalized better

H e a l t h a n d w e l l n e s s

P o p u l a

t i o n b a s e d

Healthy living community stores +consumer banking

p i n g m a r k e

t s

l i v i n g e c o s y s t e m s

THINK

CONSUMERECOSYSTEM

DON’T GO IT ALONE


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?Health Market 1.0Incumbent

PASSIVEMONITORING

BIG DATA ANDPREDICITVEMODELING

MOBILE APPS

RETAILPHARMACIES

Health Market 2.0New Players

Selecting StrategicPartners from the

Health and Wellness Jungle

RUN SKIP-GENERATION PLAYS

http://www.google.com/url?sa=i&rct=j&q=&esrc=s&frm=1&source=images&cd=&cad=rja&docid=p0URnalUj-iRZM&tbnid=4sJyjF4DCnfFOM:&ved=0CAUQjRw&url=http://sketchup.google.com/3dwarehouse/details?mid=d58ef2d21b126ea87827edf8f3dcefd5&ei=vzdvUf2rHbHI4APjsoEg&bvm=bv.45368065,d.dmg&psig=AFQjCNGTIKTj0speaXpCeVYCkXu1SSi1cg&ust=1366329658582252


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Hospitalsystem

Clinicallyintegratednetwork

Patient centercare model

1

2

3

Smart care teamecosystem


Smart CareTeam

A Personalized

Ecosystem




Weightmanagement

Stressmanagement

Nutritionmanagement

Smartclinics


Coaching

Telehealth


resources

Virtual healthresource access


IT enablementengines




Real time biometric anddaily living information


4

Population based

smart care team

Provider

RUN SKIP-GENERATION PLAYS


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Health andpharmacy

benefits

Networkmodel – broad or

narrow

Value basedbenefits andrewards

Network model –performance-based

Value basedbenefits andrewards

PPOs and narrownetworks

Health Plan 1.0

HealthPlan 1.5

PPOs and h igh performancenetworks

Health

Plan 1.5

Patient centered care models

1

2

3

My personalbudget and risktolerance

Exchange baseddecision tools

Exchange baseddecision tools Network model –

performance-based

ConvenientCare

Acute andComplex Care

Services




Transparent

Markets

Configurablebenefits and

network

In plan year(and network)marketplace

Consumer configurable

health plan

Payer

Health Plan 2.04

d s m a r t Transparent consumercare team ecosystems

s h o p p i

Consumer configurable health plans


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5050© Oliver Wyman | CHI-HLC06101-089 Personalized better

H e a l t h a n d w e l l n e s s

P o p u l a

t i o n b a s e d

Healthy living community stores +consumer banking

i n g m a r k e

t s

l i v i n g e c o s y s t e m s

The Scarcest Commodity

LEADERSHIP


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VIVA LACONSUMERREVOLUTION!!

Tom Main Health Market 2.0 Presentation

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Transcript of Tom Main Health Market 2.0 Presentation