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5 factors for fifteen 
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/ > News & information > 5 factors for fifteen

5 factors for 15 Factor 1Factor 2Factor 3Factor 4Factor 5

Click any of the factors above or descriptions below to read more about each issue.
Download a printable PDF of this list here.

Factor 1 - Redefining healthcare

Redefining healthcare

An evolving U.S. healthcare market — The Affordable Care Act will continue to influence employer benefits and the use of private exchange models, advancing  consumer-driven health plans and accountable care organizations. Alliances and partnerships between healthcare systems and providers will continue to impact our industry and reshape healthcare as we know it.

Patient engagement — Offering innovative patient engagement programs can help maintain the health of the American workforce and the entire population. Promoting health advocacy, transparency in the cost and quality of care, and advanced digital tools will help improve outcomes for all patients.

Mental health — One out of four people, or nearly 61 million Americans, are suffering from mental illnesses. Addressing concerns related to mental health and well-being to improve productivity will keep access to care issues at the forefront, while also reinforcing the need to expand telehealth programs, promote the peer advocate’s role and reduce the inherent stigma attached to mental illness. read more>

 Factor 2 - Patient engagement

Technological advances

User-centric solutions — New technologies are being developed around the needs of the informed power consumer. The demand for mobile technology solutions that are available 24/7, provide real-time data and can be integrated with other systems will continue to grow. In addition, cloud-based software-as-a-service will play a greater role in accommodating the changing business needs of employers.

Hyper-connectivity — In today’s fast-paced world, where smartphones are the norm, data seems to move at the speed of light. Societal demands for uber-connected products and services are opening the door for countless opportunities, but also new and evolving risks.

Cyber risk — Cyber-attacks pose a variety of risks to financial assets, personal data, intellectual property and technology infrastructure. As a result, organizations are increasing their awareness and investment in the area of security. read more>

 Factor 3 - Market and economic forces

Market and economic forces

Economic improvements — As the economy continues its slow ascent from the years-long downturn, we see promising signs of improvement – and largely contained industry costs – that we believe will continue this year.

Focusing on the customer experience — In line with standard business practices geared toward improving customer satisfaction, businesses will focus their efforts on enhancing the overall customer experience. Key objectives will include solving problems, making the customer’s job or life easier, and finding more ways to understand and address customer needs.

Political landscape — The path leading to the next electoral cycle will have a direct effect on issues facing the nation and its employers, such as healthcare reform, changing trade sanctions and immigration policy developments. read more>

Factor 4 - Workforce challenges Workforce challenges

Integration — Millennials, or children of baby boomers, are changing the workforce landscape with their unique characteristics and forcing employers to adapt. In addition, employers need to ensure proper accommodation and compliance for military veterans entering the workforce.

The growing need to groom new adjusters — The industry is faced with an aging workforce and the pressure for a collective effort to address this issue will mount.

Diversity and inclusion — More and more companies are recognizing the value of diversity and inclusion, and we think this trend will continue throughout 2015. read more>

 Factor 5 - Weathering disasters Weathering disasters

Addressing resiliency — Businesses and public entities are strengthening their crisis management and resiliency programs for natural and man made catastrophes such as hurricanes, earthquakes, acts of terrorism, mass-violence occurrences and product recalls.

Understanding exposures — Through improved processes, technology and information-sharing techniques, the industry will continue to accelerate the timeframe for understanding property loss, business interruption and human risk exposures before and during catastrophic events.

Preparing for the ripple effect of climate change — Flooding and mega-storms were the leading cause of disasters over the last decade and there is growing evidence that climate change is increasing the destructive force of storms. The economic impact of a hurricane, flood, landslide, or tornado is absolute and will continue to pose risks for employers. read more>


While the issues above will be significant in 2015, most industry experts believe that the greatest concerns will be the legislative impact of the recent shift in power in the Senate – and the potential political impact of the 2016 presidential election – on the Affordable Care Act.