1 00:00:00,080 --> 00:00:01,860 This episode is brought to you by Veradigm, 2 00:00:02,159 --> 00:00:04,639 the only health care technology company connecting all 3 00:00:04,639 --> 00:00:07,859 corners of care. Some companies deliver clinical data. 4 00:00:08,000 --> 00:00:09,859 Others turn that data into insights. 5 00:00:10,160 --> 00:00:12,000 A few provide point of care tools to 6 00:00:12,000 --> 00:00:12,500 clinicians. 7 00:00:13,125 --> 00:00:15,865 Veradigm does it all at a national scale. 8 00:00:16,005 --> 00:00:18,285 That's why leading health care organizations are part 9 00:00:18,285 --> 00:00:21,445 of the Veradigm network. By enabling smarter, more 10 00:00:21,445 --> 00:00:22,425 connected workflows, 11 00:00:22,725 --> 00:00:24,885 Veradigm helps close care gaps right at the 12 00:00:24,885 --> 00:00:26,984 point of care where it matters the most. 13 00:00:27,399 --> 00:00:30,199 Whether you're a provider, a biopharma company, or 14 00:00:30,199 --> 00:00:32,939 a health plan, visit veradigm.com. 15 00:00:33,079 --> 00:00:36,619 That's veradigm.com 16 00:00:36,679 --> 00:00:38,780 to learn how Veradigm can help you too. 17 00:00:39,079 --> 00:00:41,174 Hello, Hello, everyone. This is Jacob Emerson with 18 00:00:41,174 --> 00:00:43,195 the Becker's Payer Issues podcast. 19 00:00:43,495 --> 00:00:45,914 Thrilled today to be joined by Alan Silver, 20 00:00:45,975 --> 00:00:49,195 who's the president of Centene's Ambetter Health Solutions 21 00:00:49,335 --> 00:00:51,335 business. That's the part of the company that 22 00:00:51,335 --> 00:00:52,554 focuses on ICRA. 23 00:00:53,070 --> 00:00:54,990 Alan, thank you so much for taking the 24 00:00:54,990 --> 00:00:56,829 time to be with me on the podcast 25 00:00:56,829 --> 00:00:57,329 today. 26 00:00:58,109 --> 00:01:00,670 Appreciate it, Jacob. I I really appreciate the 27 00:01:00,670 --> 00:01:02,670 time. Yeah. And we're glad you're here with 28 00:01:02,670 --> 00:01:04,670 us. Before we dive into everything we wanna 29 00:01:04,670 --> 00:01:06,030 talk with you about, can you tell us 30 00:01:06,030 --> 00:01:08,494 a little bit more about yourself, your background 31 00:01:08,494 --> 00:01:10,334 in health care, and what it is that 32 00:01:10,334 --> 00:01:11,875 you're doing today at Centene? 33 00:01:12,494 --> 00:01:14,254 Yeah. Jacob, thank you so much for the 34 00:01:14,254 --> 00:01:16,494 time today as I mentioned. As you stated, 35 00:01:16,494 --> 00:01:18,254 my name is Alan Silver. I'm the president 36 00:01:18,254 --> 00:01:19,715 of Ambetter Health Solutions, 37 00:01:20,189 --> 00:01:23,149 which is the brand of Centene Corporation that's 38 00:01:23,149 --> 00:01:24,289 focused on ICRA. 39 00:01:24,829 --> 00:01:27,069 I'm sure most of your audience knows, but 40 00:01:27,069 --> 00:01:30,109 for those that don't, ICRA stands for individual 41 00:01:30,109 --> 00:01:31,810 coverage health reimbursement arrangement, 42 00:01:32,269 --> 00:01:35,125 which is a new type of employer sponsored 43 00:01:35,125 --> 00:01:37,944 health benefits plan with a focus on flexibility 44 00:01:38,165 --> 00:01:38,665 customization 45 00:01:39,364 --> 00:01:40,825 using the individual market. 46 00:01:41,444 --> 00:01:44,185 Prior to, joining this role, I spent 47 00:01:44,644 --> 00:01:47,685 more than twenty years at, consultant brokerage house 48 00:01:47,685 --> 00:01:50,540 called, Willis Towers Watson, where I led retiree 49 00:01:50,599 --> 00:01:53,420 and ICRA initiatives. And I'm just really excited 50 00:01:53,480 --> 00:01:55,079 to be in this role. I I think 51 00:01:55,079 --> 00:01:57,640 that the reality is I spent a lot 52 00:01:57,640 --> 00:01:59,640 of time working with employers and and many, 53 00:01:59,640 --> 00:02:01,480 many employers at the current moment in time 54 00:02:01,480 --> 00:02:03,715 are seeing the status quo of their group 55 00:02:03,715 --> 00:02:06,674 health plan hasn't been working well for them 56 00:02:06,674 --> 00:02:07,334 and and 57 00:02:07,635 --> 00:02:09,715 really wanna focus on the innovation that ICRA 58 00:02:09,715 --> 00:02:12,675 provides as an alternative to that status quo 59 00:02:12,675 --> 00:02:13,175 approach. 60 00:02:14,129 --> 00:02:16,689 Absolutely. And, you know, Alan, we're hearing so 61 00:02:16,689 --> 00:02:18,930 much about ICRA more and more as time 62 00:02:18,930 --> 00:02:21,009 goes on both in the private sector and 63 00:02:21,009 --> 00:02:22,870 and at the government level. So 64 00:02:23,169 --> 00:02:25,729 talk to us about why did Centene wanna 65 00:02:25,729 --> 00:02:27,830 create this position? Why are you the first 66 00:02:28,094 --> 00:02:30,034 president of ICRA at the company? 67 00:02:30,735 --> 00:02:31,854 Yeah. I I think, 68 00:02:32,495 --> 00:02:35,074 it's some of it is based in the 69 00:02:35,294 --> 00:02:37,534 kind of tradition of what Ambetter Health is. 70 00:02:37,534 --> 00:02:40,735 Ambetter Health is the largest individual market, 71 00:02:41,055 --> 00:02:42,995 carrier in the market. It's been 72 00:02:43,580 --> 00:02:44,080 creating 73 00:02:44,459 --> 00:02:46,539 tailored health care plans to millions over the 74 00:02:46,539 --> 00:02:47,840 past decade, and 75 00:02:48,139 --> 00:02:49,280 there's an understanding 76 00:02:49,739 --> 00:02:51,199 that we have a responsibility 77 00:02:51,739 --> 00:02:53,840 if there is an individual market solution 78 00:02:54,219 --> 00:02:56,459 such as ICRA that we need to be 79 00:02:56,459 --> 00:02:59,120 championing and championing and leading that effort, 80 00:02:59,705 --> 00:03:01,784 to keep pace with an evolving landscape and 81 00:03:01,784 --> 00:03:02,844 bringing in somebody 82 00:03:03,465 --> 00:03:04,764 that has the experience 83 00:03:05,145 --> 00:03:07,385 of traditional group health plans and trying to 84 00:03:07,385 --> 00:03:07,885 understand 85 00:03:08,665 --> 00:03:11,224 how we might innovate in the individual market 86 00:03:11,224 --> 00:03:13,385 realm to meet the needs of employers. So 87 00:03:13,385 --> 00:03:14,365 I think it's been 88 00:03:14,700 --> 00:03:17,040 really important for Centene to have somebody 89 00:03:17,500 --> 00:03:19,819 at the head of this strategy, which represents 90 00:03:19,819 --> 00:03:20,639 a great opportunity 91 00:03:21,020 --> 00:03:23,180 for Centene in particular and the market as 92 00:03:23,260 --> 00:03:23,920 at large. 93 00:03:24,460 --> 00:03:27,020 Absolutely. It makes complete sense. So there's market 94 00:03:27,020 --> 00:03:29,420 demand for this. Employers are asking for this 95 00:03:29,420 --> 00:03:31,395 kind of new model, Alan. Yeah. 96 00:03:31,875 --> 00:03:33,395 If we're backing up for a second for 97 00:03:33,395 --> 00:03:35,414 our audience, just to level set here, 98 00:03:35,715 --> 00:03:37,955 what does the ICRA landscape look like right 99 00:03:37,955 --> 00:03:40,194 now? How many enrollees are out there, and 100 00:03:40,194 --> 00:03:41,875 and who are some of the employers that 101 00:03:41,875 --> 00:03:43,574 are actually interested in this model? 102 00:03:43,980 --> 00:03:46,400 Yeah. I think it's a fair question, Jacob. 103 00:03:46,460 --> 00:03:47,599 I think that the 104 00:03:47,980 --> 00:03:49,680 the current environment 105 00:03:49,980 --> 00:03:52,719 is is one of constant evolution. 106 00:03:53,260 --> 00:03:56,060 From the HRA council data that we have 107 00:03:56,060 --> 00:03:57,980 and some other data points that we have 108 00:03:57,980 --> 00:04:00,125 out there, we right now can see somewhere 109 00:04:00,125 --> 00:04:01,324 between 500,000 110 00:04:01,324 --> 00:04:04,305 and a million people eligible for an ICRA 111 00:04:04,604 --> 00:04:06,444 and some 250,000 112 00:04:06,444 --> 00:04:07,805 to 750,000 113 00:04:07,805 --> 00:04:09,104 people actually enrolling. 114 00:04:09,644 --> 00:04:10,144 The 115 00:04:10,764 --> 00:04:12,844 the point in time nature of those estimates 116 00:04:12,844 --> 00:04:14,819 makes it a very wide range, but it 117 00:04:14,819 --> 00:04:16,759 started to become a a significant 118 00:04:17,139 --> 00:04:19,959 kind of portion of the employer sponsored landscape. 119 00:04:20,660 --> 00:04:22,420 The leaders in this space have been small 120 00:04:22,420 --> 00:04:24,740 group employers, and the reason why is because 121 00:04:24,740 --> 00:04:25,720 the direct comparison 122 00:04:26,100 --> 00:04:29,399 between small group rates on insurance and individual 123 00:04:29,459 --> 00:04:32,165 market rates has been something that, a lot 124 00:04:32,165 --> 00:04:34,485 of small group employers have have taken the 125 00:04:34,485 --> 00:04:35,865 opportunity to seize 126 00:04:36,404 --> 00:04:39,145 the the more efficient way of providing benefits. 127 00:04:39,444 --> 00:04:42,004 Interestingly enough, though, 83% 128 00:04:42,004 --> 00:04:42,665 of them 129 00:04:43,169 --> 00:04:46,449 hadn't provided insurance before. So this provides a 130 00:04:46,449 --> 00:04:48,930 significant opportunity for them to provide a benefit 131 00:04:48,930 --> 00:04:50,709 that they haven't provided in the past. 132 00:04:51,329 --> 00:04:53,250 The last thing that I'll say about the 133 00:04:53,250 --> 00:04:55,410 the number of lives and and the growth 134 00:04:55,410 --> 00:04:57,750 that's out there is just this concept of 135 00:04:58,105 --> 00:05:00,985 the greatest growth sector segment of the market 136 00:05:00,985 --> 00:05:03,305 is actually in employers with 200 and more 137 00:05:03,305 --> 00:05:03,805 lives. 138 00:05:04,105 --> 00:05:07,225 So larger midsize midsize and larger employers are 139 00:05:07,225 --> 00:05:09,805 really coming into this space because they understand 140 00:05:10,425 --> 00:05:12,425 the promise of what ICRA can do for 141 00:05:12,425 --> 00:05:12,925 them 142 00:05:13,279 --> 00:05:15,680 and understand there may be a different way 143 00:05:15,680 --> 00:05:17,539 given the population that they're covering. 144 00:05:17,919 --> 00:05:20,079 Sure. That's a really interesting last point that 145 00:05:20,079 --> 00:05:21,360 you just made there, Alan, that you are 146 00:05:21,360 --> 00:05:22,899 seeing a lot of large employers 147 00:05:23,279 --> 00:05:25,139 interested in this. But at the same time, 148 00:05:25,305 --> 00:05:27,805 you're also seeing a lot of, small employers 149 00:05:27,865 --> 00:05:30,024 offering this kind of model, offering insurance for 150 00:05:30,024 --> 00:05:32,185 the first time to their employees through this. 151 00:05:32,185 --> 00:05:34,824 So it's that's a really interesting, dichotomy there. 152 00:05:34,824 --> 00:05:35,324 But 153 00:05:35,625 --> 00:05:37,384 I wonder you know, we're hearing so much 154 00:05:37,384 --> 00:05:38,204 now about, 155 00:05:38,664 --> 00:05:40,845 ICRA changes at the federal level. 156 00:05:41,389 --> 00:05:43,710 How how do you see this market continuing 157 00:05:43,710 --> 00:05:45,629 to evolve, let's say, over the next five 158 00:05:45,629 --> 00:05:46,529 years or so? 159 00:05:47,069 --> 00:05:48,910 Yeah. So I think the next eighteen to 160 00:05:48,910 --> 00:05:50,990 twenty four months are crucial to the growth 161 00:05:50,990 --> 00:05:51,710 of ICRA. 162 00:05:52,110 --> 00:05:54,350 It's growing year over year. But the reality 163 00:05:54,350 --> 00:05:55,810 of the situation is, 164 00:05:56,285 --> 00:05:58,485 I wanna take a little bit of a 165 00:05:58,485 --> 00:06:00,704 a a look at what employer group sponsored 166 00:06:00,764 --> 00:06:03,004 coverage is is doing these days. And the 167 00:06:03,004 --> 00:06:05,665 the issue that we have is a multigenerational 168 00:06:06,365 --> 00:06:09,665 workforce, four generations of people working within 169 00:06:10,060 --> 00:06:12,139 the workforce today, and that can include the 170 00:06:12,139 --> 00:06:15,419 young professional that's relatively healthy, the family of 171 00:06:15,419 --> 00:06:18,079 four with, two kids under three, 172 00:06:18,379 --> 00:06:20,240 somebody managing a chronic condition, 173 00:06:20,779 --> 00:06:23,339 people on benefits to kind of bridge the 174 00:06:23,339 --> 00:06:25,360 gap in their retirement to Medicare. 175 00:06:25,954 --> 00:06:27,415 Those are just four examples 176 00:06:27,795 --> 00:06:30,754 of people that need very different things from 177 00:06:30,754 --> 00:06:31,735 their health care. 178 00:06:32,035 --> 00:06:32,535 So 179 00:06:32,915 --> 00:06:34,834 the growth in ICRA is going to come 180 00:06:34,834 --> 00:06:37,795 from this concept of kind of a direct 181 00:06:37,795 --> 00:06:38,454 to consumer 182 00:06:38,915 --> 00:06:40,829 type of approach to health care. We 183 00:06:41,389 --> 00:06:43,870 anticipate this model becoming more and more streamlined 184 00:06:43,870 --> 00:06:45,009 in the next few years, 185 00:06:45,389 --> 00:06:46,289 but we absolutely 186 00:06:46,589 --> 00:06:50,849 need, some some technology enhancements, some some education, 187 00:06:51,069 --> 00:06:53,285 some decision support tools to come out to 188 00:06:53,285 --> 00:06:55,704 make that view and vision of that multigeneration 189 00:06:56,324 --> 00:06:56,824 generational 190 00:06:57,204 --> 00:06:57,704 use, 191 00:06:58,004 --> 00:06:58,504 workforce 192 00:06:58,964 --> 00:07:01,144 become a reality in the ICRA space. 193 00:07:01,764 --> 00:07:03,685 Sure. No. That makes complete sense. And it 194 00:07:03,685 --> 00:07:04,884 really sounds like, at the end of the 195 00:07:04,884 --> 00:07:06,884 day, what this what this model offers is 196 00:07:06,884 --> 00:07:07,384 flexibility 197 00:07:08,180 --> 00:07:08,839 to employers. 198 00:07:09,860 --> 00:07:11,379 I wonder then what what you would say 199 00:07:11,379 --> 00:07:13,300 are some of the biggest challenges you're seeing 200 00:07:13,300 --> 00:07:15,539 facing AMCA. And when you're when you're talking 201 00:07:15,539 --> 00:07:17,860 about to employers, when you're promoting this new 202 00:07:17,860 --> 00:07:19,699 model, what are some of the top challenges 203 00:07:19,699 --> 00:07:21,240 you're hearing hearing there? 204 00:07:21,779 --> 00:07:23,560 Yeah. I I think it's it's 205 00:07:24,384 --> 00:07:27,425 basically mostly about education. If if I had 206 00:07:27,425 --> 00:07:29,745 to drive one point home, it's education, and 207 00:07:29,745 --> 00:07:31,125 it's education for 208 00:07:31,504 --> 00:07:33,365 employers themselves. It's education 209 00:07:33,745 --> 00:07:34,245 for, 210 00:07:34,865 --> 00:07:36,964 brokers, both on a group and the individual 211 00:07:37,024 --> 00:07:40,060 basis. But it's also education for health systems 212 00:07:40,060 --> 00:07:40,879 and education, 213 00:07:41,740 --> 00:07:42,479 for payers 214 00:07:42,779 --> 00:07:44,300 just to get to a place where we 215 00:07:44,300 --> 00:07:45,120 all understand 216 00:07:45,500 --> 00:07:47,500 what the future of this could look like. 217 00:07:47,500 --> 00:07:48,720 It's a new category 218 00:07:49,419 --> 00:07:51,660 growing at speed, and it's gonna face some 219 00:07:51,660 --> 00:07:54,435 challenges. I think beyond the education, 220 00:07:55,214 --> 00:07:57,294 two or one or two other things could 221 00:07:57,294 --> 00:07:58,834 be just the concept of 222 00:07:59,214 --> 00:07:59,954 the technology 223 00:08:00,254 --> 00:08:01,634 really needing to embrace 224 00:08:02,175 --> 00:08:04,894 the world of, you know, frankly, consumers making 225 00:08:04,894 --> 00:08:06,675 their own choice on health insurance. 226 00:08:07,209 --> 00:08:08,649 So we need to get to a place 227 00:08:08,649 --> 00:08:11,050 of decision support where pipes are connected between 228 00:08:11,050 --> 00:08:13,230 carrier and broker and employer 229 00:08:13,610 --> 00:08:16,829 and ICRA administrator altogether to make this a 230 00:08:17,050 --> 00:08:17,550 fundamentally 231 00:08:18,009 --> 00:08:18,990 good experience. 232 00:08:19,584 --> 00:08:22,704 And then we bear responsibility at places like 233 00:08:22,704 --> 00:08:25,425 Ambetter for us to meet the needs for 234 00:08:25,425 --> 00:08:28,305 individuals and what they want for their health 235 00:08:28,305 --> 00:08:28,805 insurance. 236 00:08:29,185 --> 00:08:31,365 That talks about us building networks, 237 00:08:32,000 --> 00:08:32,500 building, 238 00:08:32,960 --> 00:08:36,100 designs, having good relationships at the local level 239 00:08:36,320 --> 00:08:38,339 with health systems, with providers 240 00:08:38,879 --> 00:08:42,240 to ensure that people actually want to produce 241 00:08:42,559 --> 00:08:43,539 want to purchase 242 00:08:44,080 --> 00:08:46,639 our health insurance coverage that we are providing 243 00:08:46,639 --> 00:08:47,299 to them. 244 00:08:47,884 --> 00:08:50,764 Absolutely. So really just getting more information about 245 00:08:50,764 --> 00:08:53,105 this new model out there sounds very key, 246 00:08:53,565 --> 00:08:55,644 to more growth in this market. What do 247 00:08:55,644 --> 00:08:57,965 you what do you think other insurers should 248 00:08:57,965 --> 00:09:00,524 know, Alan? I mean, should most insurers be 249 00:09:00,524 --> 00:09:02,945 considering entering this market at this point? 250 00:09:03,940 --> 00:09:05,860 Jacob, the the words I wanna use here 251 00:09:05,860 --> 00:09:07,860 are I think other insurers will need to 252 00:09:07,860 --> 00:09:09,879 have a very intentional strategy 253 00:09:10,259 --> 00:09:10,759 around 254 00:09:11,299 --> 00:09:13,700 entering the ICRA space. It's kind of an 255 00:09:13,700 --> 00:09:16,500 obvious play for us at Ambetter because we 256 00:09:16,500 --> 00:09:17,399 don't have 257 00:09:17,954 --> 00:09:20,034 a group business for us to sit there 258 00:09:20,034 --> 00:09:22,274 and say, oh my gosh. We're taking things 259 00:09:22,274 --> 00:09:24,115 from the group business to the individual. For 260 00:09:24,115 --> 00:09:26,674 us, we are pushing an individual solution, and 261 00:09:26,674 --> 00:09:27,894 that's why we see ourselves 262 00:09:28,274 --> 00:09:30,194 as a leader in this space. For other 263 00:09:30,194 --> 00:09:32,519 carriers, that may not be the case, but 264 00:09:32,519 --> 00:09:34,360 I think they're going to wanna either make 265 00:09:34,360 --> 00:09:36,679 a determination that they are in with us 266 00:09:36,679 --> 00:09:39,000 in this kind of building of a direct 267 00:09:39,000 --> 00:09:41,320 to consumer world or maybe it's just not 268 00:09:41,320 --> 00:09:43,820 for them. It's going to be very important 269 00:09:43,879 --> 00:09:45,419 for us to all understand 270 00:09:46,054 --> 00:09:48,774 that you can't really do this off the 271 00:09:48,774 --> 00:09:50,615 side of your desk. You actually need to 272 00:09:50,615 --> 00:09:52,774 commit to meet the needs of the employee 273 00:09:52,774 --> 00:09:53,274 population. 274 00:09:54,054 --> 00:09:56,375 Absolutely. So a strong strategy here. It's it's 275 00:09:56,375 --> 00:09:58,054 gonna be different for every company. That makes 276 00:09:58,054 --> 00:09:58,554 sense. 277 00:09:59,600 --> 00:10:01,759 Before we go, Alan, you've got the ears 278 00:10:01,759 --> 00:10:03,360 of a lot of other health plan leaders 279 00:10:03,360 --> 00:10:05,440 from all over the country right now. What 280 00:10:05,440 --> 00:10:06,799 else do you wanna tell them about this 281 00:10:06,799 --> 00:10:07,299 market? 282 00:10:07,759 --> 00:10:09,360 Anything else we we really need to hit 283 00:10:09,360 --> 00:10:11,600 home on today? Yeah. Jacob, I think you 284 00:10:11,600 --> 00:10:13,365 could hear it in my voice. I am 285 00:10:13,845 --> 00:10:16,565 very, very passionate about this. I am very 286 00:10:16,565 --> 00:10:19,684 much looking forward to the challenge of building 287 00:10:19,684 --> 00:10:20,184 ICRA 288 00:10:20,565 --> 00:10:22,884 in this country. It comes from a couple 289 00:10:22,884 --> 00:10:25,524 different places, but the biggest place that it 290 00:10:25,524 --> 00:10:28,279 comes from is I think, that employer sponsored 291 00:10:28,279 --> 00:10:30,620 insurance was built for a different time, 292 00:10:30,920 --> 00:10:31,820 a time when 293 00:10:32,519 --> 00:10:34,759 everybody came into the office or the store 294 00:10:34,759 --> 00:10:36,840 or the factory, and employers only had to 295 00:10:36,840 --> 00:10:39,080 worry about people that lived close to where 296 00:10:39,080 --> 00:10:41,545 they worked. So it's really easy for employers 297 00:10:42,004 --> 00:10:42,904 to understand 298 00:10:43,605 --> 00:10:46,245 what the health kind of construct was in 299 00:10:46,245 --> 00:10:47,785 the markets where they had people. 300 00:10:48,165 --> 00:10:50,264 Well, as I mentioned earlier, with a multigenerational 301 00:10:50,644 --> 00:10:52,424 workforce, if we add on 302 00:10:52,870 --> 00:10:56,170 the concept of remote and hybrid work, 303 00:10:56,629 --> 00:10:58,870 all of a sudden, you have employees that 304 00:10:58,870 --> 00:10:59,529 are working 305 00:11:00,309 --> 00:11:01,370 nowhere close 306 00:11:01,670 --> 00:11:03,990 to an office or, in some cases, very 307 00:11:03,990 --> 00:11:06,410 far away from the people that they're associated 308 00:11:06,470 --> 00:11:08,375 with. And as a result of that, employers 309 00:11:08,375 --> 00:11:10,615 have to make a choice. And the choice 310 00:11:10,615 --> 00:11:13,014 is, do I now go out and try 311 00:11:13,014 --> 00:11:13,754 to learn 312 00:11:14,375 --> 00:11:16,774 what's different about the health systems where all 313 00:11:16,774 --> 00:11:18,074 of my people are, 314 00:11:18,454 --> 00:11:20,074 or do I rely on someone 315 00:11:20,509 --> 00:11:23,309 to help deliver deliver a solution at the 316 00:11:23,309 --> 00:11:24,210 local level 317 00:11:24,750 --> 00:11:27,149 through ICRA? I I think that's a fair 318 00:11:27,149 --> 00:11:29,149 choice, and employers need to be intentional about 319 00:11:29,149 --> 00:11:31,309 that choice. What I'll just say coming out 320 00:11:31,309 --> 00:11:33,649 of that conversation is, at Ambetter, 321 00:11:34,365 --> 00:11:36,605 our focus is improving the lives of the 322 00:11:36,605 --> 00:11:37,664 people we serve 323 00:11:38,044 --> 00:11:40,125 at the local level in the communities we 324 00:11:40,125 --> 00:11:40,865 serve them. 325 00:11:41,245 --> 00:11:43,565 So we are well positioned and you will 326 00:11:43,565 --> 00:11:46,605 see us commit to the ICRA strategy at 327 00:11:46,605 --> 00:11:48,605 a very local level, which will be a 328 00:11:48,605 --> 00:11:50,820 great option for many, many employers. 329 00:11:52,080 --> 00:11:54,000 Fantastic. Well, I think that's a great place 330 00:11:54,000 --> 00:11:56,080 to leave things. Alan, I wanna thank you 331 00:11:56,080 --> 00:11:57,840 for taking the time to sit down with 332 00:11:57,840 --> 00:12:00,000 us and for sharing your insights with our 333 00:12:00,000 --> 00:12:02,960 listeners. We really appreciate it. Jacob, appreciate the 334 00:12:02,960 --> 00:12:04,845 time. Thank you so much. And to our 335 00:12:04,845 --> 00:12:06,845 listeners, if you'd like to listen to more 336 00:12:06,845 --> 00:12:11,105 podcasts from Becker's Healthcare, you can visit beckershospitalreview.com.