Joe Flower

Joe Flower is an internationally known healthcare futurist and speaker who helps governments, healthcare organizations and purchasers get or build better care.

Most Recent

The Rebellion of the Buyers

Joe Flower

The healthcare economy is like the Hindenburg approaching Lakehurst in a thunderstorm. What will set it off? A rebellion of the buyers.

All Articles

Healthcare: Asking the Wrong Question

Joe Flower

We argue about who pays: the government, your employer, you? The answer redistributes the pain--but doesn't reduce it.

Six Things

Beware the Algorithm!

By Paul Carroll

Lawyers and consumer advocates are demonizing algorithms any time a decision goes against a policy holder. Let's talk about them less.

How to Navigate Social Inflation

Facing increasingly complex claims, insurers must modernize, shift their cultures to prioritize efficiency and empathy, and seek legal reforms. 

Managing Loss Control With Location Intelligence

By combining historical aerial imagery, property condition data, and AI, insurers can optimize underwriting, inspections, and fraud reduction.

A Practical Approach to AI in Insurance

Insurers can use AI to solve specific problems without causing major disruptions.

AI in Insurance: Balancing Innovation and Caution

AI's potential to transform insurance clashes with the industry's risk-averse nature, creating a complex landscape for insurers to navigate.

Why Obesity Rates Won't Stop Rising

The government must partner with organizations and insurers to increase the availability of obesity medications.

How Business Rules Engines Can Slash Time to Market

The systems streamline the management of business rules, letting insurers adapt swiftly and efficiently without the need for intervention by IT. 

ITL Recommends

How Brokers Can Optimize Their Carrier Strategies

The Five Things Agencies Must Do Before the Hard Market Ends

Smart Choice

Beyond Silos: Strengthening Operational Resilience with Integrated Risk Management

Origami Risk