Allen Karp

David, this was actually a commercial group of members.

But here's an interesting fact.

The disease states for commercial members who live in these zip codes were almost identical to the disease states of the Medicaid members.

So COPD, obesity, hypertension, those types of conditions were identical, which proves the theory that where you live has much more to do with your health.

We believe now that we can apply these same models to other parts of the state of New Jersey.

When you make a systemic change in an industry like healthcare, and particularly when you're changing the economic model, it takes time, it takes preparation, it takes work, and it takes a lot of collaboration.

So establishing the trust with whoever the partner is critical in being successful.

I also think

What I've learned is understand the barriers that the party that you're dealing with sees.

Don't assume that they see things the way you do.

And understand that so that you can come up with solutions to get over those barriers.

And the last thing I would say, particularly about the health care system, is think about administrative simplification.

Because we are in an extremely complicated industry.

to understand whether you're a customer or a member.

And so the easier we can make it for our customers and members to navigate through the system, the better.