\u8bf7\u6ce8\u610f\uff0c\u533b\u7597\u4fdd\u9669\u4f18\u60e0\u8ba1\u5212\uff08Medicare Advantage\uff09\u7684\u53c2\u4fdd\u8005\u4eec\uff1a\u572810\u670815\u65e5\uff08\u5468\u4e8c\uff09\u5f00\u59cb\u7684\u5f00\u653e\u767b\u8bb0\u671f\u95f4\uff0c\u56de\u987e\u4e00\u4e0b\u60a8\u7684\u8ba1\u5212\u662f\u4e2a\u660e\u667a\u4e4b\u4e3e\uff0c\u8fd9\u6837\u660e\u5e74\u5c31\u4e0d\u4f1a\u56e0\u4e3a\u610f\u5916\u7684\u53d8\u5316\u800c\u63aa\u624b\u4e0d\u53ca\u3002\u867d\u7136\u8fd9\u4e00\u8fc5\u901f\u589e\u957f\u7684\u5e02\u573a\u6574\u4f53\u4fdd\u6301\u7a33\u5b9a\uff0c\u4f46\u4fdd\u9669\u516c\u53f8\u6b63\u5728\u8fdb\u884c\u4e00\u7cfb\u5217\u8c03\u6574\uff0c\u53ef\u80fd\u4f1a\u5bfc\u81f4\u90e8\u5206\u8001\u5e74\u4eba\u4e0d\u5f97\u4e0d\u66f4\u6362\u4fdd\u5355\u3001\u652f\u4ed8\u66f4\u591a\u81ea\u4ed8\u8d39\u7528\uff0c\u6216\u4eab\u53d7\u8f83\u5c11\u7684\u989d\u5916\u798f\u5229\u3002\u54a8\u8be2\u516c\u53f8Oliver Wyman\u5065\u5eb7\u4e0e\u751f\u547d\u79d1\u5b66\u4e1a\u52a1\u5408\u4f19\u4eba\u6797\u8d5b\u00b7\u514b\u7eb3\u5e03\uff08Lindsay Knable\uff09\u8868\u793a\uff1a\u201c\u8fd1\u5e74\u6765\uff0c\u8fd9\u662f\u6211\u4eec\u5728\u5e02\u573a\u4e0a\u770b\u5230\u7684\u6700\u5927\u798f\u5229\u53d8\u52a8\u3002\u201d<\/p>\n
\u5728\u8fd9\u4e00\u53d8\u5316\u65f6\u671f\uff0c\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u7684\u53c2\u4fdd\u4eba\u6570\u9884\u8ba1\u5c06\u8fbe\u52303570\u4e07\uff0c\u5360\u603b\u533b\u4fdd\u53c2\u4fdd\u4eba\u6570\u768451%\u3002\u5728\u8be5\u8ba1\u5212\u4e0b\uff0c\u8054\u90a6\u653f\u5e9c\u4e0e\u79c1\u4eba\u4fdd\u9669\u516c\u53f8\u7b7e\u8ba2\u5408\u540c\uff0c\u4e3a\u53c2\u4fdd\u8005\u63d0\u4f9b\u533b\u4fdd\u670d\u52a1\u3002\u7531\u4e8e\u8bb8\u591a\u53c2\u4fdd\u8005\u6536\u5165\u56fa\u5b9a\uff0c\u56e0\u6b64\u5bf9\u6210\u672c\u975e\u5e38\u654f\u611f\u3002\u7136\u800c\uff0c\u53ea\u6709\u5c11\u6570\u53c2\u4fdd\u8005\u4f1a\u5728\u5f00\u653e\u6ce8\u518c\u671f\u95f4\uff08\u622a\u81f312\u67087\u65e5\uff09\u6bd4\u8f83\u548c\u9009\u62e9\u65b0\u8ba1\u5212\u3002\u6839\u636e\u5065\u5eb7\u653f\u7b56\u7814\u7a76\u673a\u6784KFF\u7684\u4e00\u9879\u5206\u6790\uff0c\u8fd1\u4e09\u5206\u4e4b\u4e8c\u7684\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u53c2\u4fdd\u8005\u57282022\u5e74\u672a\u5bf9\u81ea\u5df1\u7684\u4fdd\u9669\u9009\u9879\u8fdb\u884c\u6bd4\u8f83\u3002KFF\u533b\u4fdd\u653f\u7b56\u9879\u76ee\u526f\u4e3b\u4efb\u73cd\u59ae\u00b7\u5f17\u683c\u65af\u6ed5\u00b7\u6bd4\u5185\u514b\uff08Jeannie Fuglesten Biniek\uff09\u5efa\u8bae\uff0c\u53c2\u4fdd\u8005\u5e94\u67e5\u770b\u5e74\u5ea6\u53d8\u66f4\u901a\u77e5\uff0c\u4e86\u89e32025\u5e74\u53ef\u80fd\u7684\u8c03\u6574\u3002\u5979\u8868\u793a\uff1a\u201c\u4eba\u4eec\u5fc5\u987b\u8ba4\u771f\u5173\u6ce8\uff0c\u4e86\u89e3\u4ed6\u4eec\u6240\u62a5\u540d\u53c2\u52a0\u7684\u8ba1\u5212\u5185\u5bb9\u3002\u201d<\/p>\n
\u7ec8\u6b62\u7684\u8ba1\u5212
\n\u6839\u636eOliver Wyman\u7684\u5206\u6790\uff0c\u4eca\u5e74\u6709\u8d85\u8fc7180\u4e07\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u7684\u53c2\u4fdd\u8005\uff08\u7ea6\u5360\u975e\u56e2\u4f53\u3001\u975e\u7279\u6b8a\u9700\u6c42\u8ba1\u5212\u53c2\u4fdd\u8005\u76848%\uff09\u6240\u6301\u6709\u7684\u4fdd\u5355\u5c06\u57282025\u5e74\u505c\u6b62\u63d0\u4f9b\uff0c\u5176\u4e2d\u7ea6130\u4e07\u53c2\u4fdd\u8005\u76ee\u524d\u4eab\u53d7\u7684\u662f\u96f6\u4fdd\u8d39\u8ba1\u5212\u3002\u8fd9\u4e9b\u53c2\u4fdd\u8005\u5fc5\u987b\u4e3b\u52a8\u9009\u62e9\u65b0\u7684\u8ba1\u5212\uff0c\u5426\u5219\u5c06\u81ea\u52a8\u8f6c\u5165\u4f20\u7edf\u533b\u4fdd\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c2024\u5e74\u53ea\u6709\u7ea623\u4e07\u53c2\u4fdd\u8005\uff08\u7ea61%\uff09\u9762\u4e34\u7c7b\u4f3c\u60c5\u51b5\u3002Jefferies\u8d44\u6df1\u80a1\u7968\u5206\u6790\u5e08\u5927\u536b\u00b7\u6e29\u5fb7\u5229\uff08David Windley\uff09\u8868\u793a\uff0cHumana\u548cAetna\u662f\u524a\u51cf\u4ea7\u54c1\u6700\u4e3a\u79ef\u6781\u7684\u516c\u53f8\uff0c\u7ea610%\u7684\u4f1a\u5458\u5c06\u53d7\u6b64\u5f71\u54cd\uff0c\u800cUnitedHealthcare\u548cCentene\u76845%\u53c2\u4fdd\u8005\u4e5f\u5c06\u53d7\u5230\u5f71\u54cd\u3002<\/p>\n
\u5c3d\u7ba1\u5982\u6b64\uff0c\u51e0\u4e4e\u6240\u6709\u8001\u5e74\u4eba\u4ecd\u5c06\u6709\u66f4\u591a\u9009\u62e9\u3002\u6839\u636e\u8054\u90a6\u533b\u4fdd\u548c\u533b\u7597\u8865\u52a9\u670d\u52a1\u4e2d\u5fc3\u7684\u6570\u636e\uff0c2025\u5e74\u6bcf\u4e2a\u53bf\u5e73\u5747\u5c06\u670934\u4e2a\u5e26\u6709\u836f\u54c1\u8986\u76d6\u7684\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u53ef\u4f9b\u9009\u62e9\uff0c\u7565\u4f4e\u4e8e\u4eca\u5e74\u768436\u4e2a\uff08\u4e0d\u5305\u62ec\u4ec5\u9650\u7279\u6b8a\u60c5\u51b5\u53c2\u4fdd\u8005\u7684\u7279\u6b8a\u9700\u6c42\u8ba1\u5212\uff09\u3002\u8054\u90a6\u533b\u4fdd\u4e2d\u5fc3\u4e3b\u4efb\u7c73\u5a1c\u00b7\u585e\u6c99\u9a6c\u5c3c\uff08Dr. Meena Seshamani\uff09\u4e0a\u4e2a\u6708\u5411\u8bb0\u8005\u8868\u793a\uff1a\u201c\u4ea7\u54c1\u4f9b\u5e94\u4fdd\u6301\u7a33\u5b9a\uff0c\u53c2\u4fdd\u8005\u5728\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u548cD\u90e8\u5206\uff08\u836f\u54c1\u8ba1\u5212\uff09\u5e02\u573a\u4e2d\u4ecd\u7136\u6709\u4e30\u5bcc\u4e14\u53ef\u8d1f\u62c5\u7684\u9009\u62e9\u3002\u201d<\/p>\n
\u6b64\u5916\uff0c\u660e\u5e74\u7684\u5e73\u5747\u6708\u4fdd\u8d39\u5c06\u964d\u81f317\u7f8e\u5143\uff0c\u6bd4\u4eca\u5e74\u51cf\u5c111.23\u7f8e\u5143\u3002\u5927\u7ea660%\u7684\u53c2\u4fdd\u8005\u5728\u4fdd\u6301\u73b0\u6709\u8ba1\u5212\u7684\u60c5\u51b5\u4e0b\u4ecd\u5c06\u4eab\u6709\u96f6\u4fdd\u8d39\uff0c\u7edd\u5927\u591a\u6570\u53c2\u4fdd\u8005\u5982\u679c\u4e0d\u66f4\u6362\u8ba1\u5212\uff0c\u660e\u5e74\u7684\u4fdd\u8d39\u5c06\u4fdd\u6301\u4e0d\u53d8\u6216\u66f4\u4f4e\u3002\u5c3d\u7ba1Aetna\u7ec8\u6b62\u4e86\u4e00\u4e9b\u8ba1\u5212\uff0c\u4f46\u5176\u653f\u7b56\u4ecd\u5c06\u8986\u76d65900\u4e07\u7b26\u5408\u533b\u4fdd\u8d44\u683c\u7684\u53c2\u4fdd\u8005\u3002Aetna\u53d1\u8a00\u4eba\u5927\u536b\u00b7\u60e0\u7279\u62c9\u666e\uff08David Whitrap\uff09\u8868\u793a\uff0cAetna\u5c06\u5728\u660e\u5e74\u6269\u5c55\u81f376\u4e2a\u65b0\u53bf\u3002\u4ed6\u5728\u4e00\u5c01\u7535\u5b50\u90ae\u4ef6\u4e2d\u8868\u793a\uff1a\u201c2025\u5e74\uff0cAetna\u5c06\u6295\u8d44\u4e8e\u90a3\u4e9b\u80fd\u591f\u4e3a\u6211\u4eec\u5e26\u6765\u53ef\u6301\u7eed\u7ade\u4e89\u529b\u3001\u9ad8\u8d28\u91cf\u670d\u52a1\u548c\u53ef\u8d1f\u62c5\u798f\u5229\u7684\u5e02\u573a\u3002\u201d<\/p>\n
\u66f4\u9ad8\u7684\u836f\u54c1\u514d\u8d54\u989d
\n\u8001\u5e74\u4eba\u8fd8\u9700\u68c0\u67e5\u660e\u5e74\u662f\u5426\u9700\u8981\u627f\u62c5\u66f4\u591a\u7684\u81ea\u4ed8\u8d39\u7528\uff0c\u7279\u522b\u662f\u836f\u54c1\u8d39\u7528\u3002Oliver Wyman\u5408\u4f19\u4eba\u683c\u96f7\u683c\u00b7\u4f2f\u6770\uff08Greg Berger\uff09\u6307\u51fa\uff0c\u4eca\u5e74\u6709\u8d85\u8fc71600\u4e07\u53c2\u4fdd\u8005\u7684\u8ba1\u5212\u6ca1\u6709\u4efb\u4f55\u836f\u54c1\u514d\u8d54\u989d\u3002\u4f46\u52302025\u5e74\uff0c\u8d85\u8fc745%\u7684\u8fd9\u4e9b\u53c2\u4fdd\u8005\u5728\u76f8\u540c\u8ba1\u5212\u4e0b\u5c06\u81f3\u5c11\u5bf9\u90e8\u5206\u836f\u54c1\uff08\u5c24\u5176\u662f\u54c1\u724c\u836f\u6216\u4e13\u79d1\u836f\uff09\u9700\u8981\u652f\u4ed8\u514d\u8d54\u989d\u3002\u6839\u636eJefferies\u7684\u6570\u636e\uff0c36%\u7684\u5e26\u6709\u836f\u54c1\u8986\u76d6\u7684\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u53c2\u4fdd\u8005\u7684\u836f\u54c1\u514d\u8d54\u989d\u5c06\u589e\u52a0\u81f3\u5c11200\u7f8e\u5143\u3002UnitedHealthcare\u548cAetna\u7684\u53c2\u4fdd\u8005\u6700\u6709\u53ef\u80fd\u9762\u4e34\u66f4\u9ad8\u7684\u514d\u8d54\u989d\uff08\u6700\u9ad8\u836f\u54c1\u514d\u8d54\u989d\u4e3a595\u7f8e\u5143\uff09\u3002\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u4e5f\u524a\u51cf\u4e86\u7259\u79d1\u3001\u542c\u529b\u548c\u89c6\u529b\u798f\u5229\u7684\u8865\u8d34\u3002\u4f8b\u5982\uff0cAetna\u5728\u5176\u524d20\u4e2a\u8ba1\u5212\u4e2d\u7684\u5e73\u5747\u8865\u8d34\u51cf\u5c11\u4e86\u8d85\u8fc71700\u7f8e\u5143\uff0c\u800cUnitedHealthcare\u7684\u5e73\u5747\u524a\u51cf\u989d\u4e3a750\u7f8e\u5143\uff0c\u6e29\u5fb7\u5229\u6307\u51fa\u3002<\/p>\n
\u540c\u6837\uff0cCentene\u3001Aetna\u548cHumana\u4e5f\u51cf\u5c11\u4e86\u5e2e\u52a9\u8001\u5e74\u4eba\u652f\u4ed8\u975e\u5904\u65b9\u836f\u7684\u798f\u5229\u4ee5\u53ca\u7075\u6d3b\u652f\u51fa\u5361\u7684\u989d\u5ea6\uff0c\u540e\u8005\u53ef\u7528\u4e8e\u652f\u4ed8\u5176\u4ed6\u5065\u5eb7\u76f8\u5173\u8d39\u7528\u3002\u5c3d\u7ba1\u8bb8\u591a\u8001\u5e74\u4eba\u5728\u5ba1\u67e5\u9009\u9879\u65f6\u4e3b\u8981\u5173\u6ce8\u4fdd\u8d39\uff0c\u4f46Better Medicare Alliance\u9996\u5e2d\u6267\u884c\u5b98\u739b\u4e3d\u00b7\u8d1d\u4e1d\u00b7\u591a\u7eb3\u4f11\uff08Mary Beth Donahue\uff09\u8868\u793a\uff0c\u4ed6\u4eec\u4e5f\u9700\u8981\u4ed4\u7ec6\u8bc4\u4f30\u533b\u4fdd\u4f18\u52bf\u8ba1\u5212\u7684\u5176\u4ed6\u798f\u5229\u548c\u7279\u70b9\u3002\u5979\u6307\u51fa\uff1a\u201c\u8001\u5e74\u4eba\u53ca\u5176\u5e2e\u52a9\u4ed6\u4eec\u505a\u51b3\u7b56\u7684\u62a4\u7406\u4eba\u5458\u3001\u5bb6\u5ead\u6210\u5458\u548c\u8001\u9f84\u7ec4\u7ec7\uff0c\u771f\u7684\u9700\u8981\u4ece\u5168\u5c40\u89d2\u5ea6\u770b\u5f85\u95ee\u9898\u3002\u201d<\/p>\n
\u591a\u91cd\u5f71\u54cd
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