The consumerization of healthcare is driving a cascading force of differentiation from payers to providers to pharmaceutical and life sciences organizations. This shift, combined with value-based payments, underlies your charge to improve patient and member outcomes and experiences with new services, M&A and unprecedented cross-industry partnerships. “Only 48% of U.S. adults 18 or older have insurance provided through their employer. The remaining population is getting their insurance elsewhere in ways that require more consumer choice.” 1 Consumers have more healthcare choices than ever, meaning payers and providers have more competition as well. Many are differentiating themselves in the marketplace by adding health tracking apps and integrating with partners to display prescription, billing and appointment information. To further differentiate, payers and providers are acquiring their regional and cross-industry counterparts to lower costs and improve leverage in purchasing and reimbursement decisions. Meanwhile, pharmaceutical and life sciences organizations are seeking to improve outcomes, interacting directly with patients by developing medication adherence applications.