US health insurance trends 2020

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      <subfield code="a">Necessary: Health savings accounts; Medicare Advantage (MA) supplemental benefits; Self-insured employer experimentation; Payviders and verticalization - Experimental: Blockchain; Health sharing ministries - Transitory: Big tech inroads; Pricing transparency - Threatening: Social determinants of health (SDOH); Digital front door; Risk carve-outs</subfield>
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