About Forrester
Forrester Research, Inc. is an independent research company that provides pragmatic and forward-thinking advice to global leaders in business and technology.

Carlton serves Customer Insights (CI) Professionals. He was a founding member of the CI practice in 2009, and currently leads the global team of Forrester analysts that help clients capture, manage, and analyze customer data as well as apply the resulting insights to marketing and business strategy. Carlton began his Forrester career in 2006 as an analyst specializing in digital channels, emerging products, and enterprise technology in healthcare. He also led Forrester's consumer product strategy practice, where he managed a team of analysts that focused on innovation and digital disruption.
In addition to leading his team at Forrester, Carlton posts his thoughts and opinions on Twitter and on his blog.
Prior to joining Forrester, Carlton spent nine years as an IT and eBusiness leader in the health insurance industry. He also has experience with two start-ups and a leading marketing services provider.
Carlton holds a B.S. in civil engineering management from the University of Vermont.
Several New Leaders Emerge In A Rapidly Maturing Market
In Forrester's 60-criteria evaluation of consumer-directed health plan (CDHP) platform vendors, we found a tight group of four Leaders with proven ability to serve multiple stakeholders well and to...
Healthcare Marketers Have An Uphill Battle Ahead Of Them
According to Forrester's North American Technographics® Healthcare Online Survey, Q2 2008, 39% of non-elderly commercially insured adults in the US now own a health spending account. This...
What does the average uninsured person in the US look like? Are there differences among this population? Is there a real market opportunity for healthcare eBusiness managers hoping to gain individual...
The Demographic Profiles And Attitudes Of US Individual Purchasers Of Health
Who's purchasing individual insurance? And why? To answer these and other questions, we looked at Forrester's North American Technographics® Healthcare Online Survey, Q2 2008. We found that...
2009 Will Be A Time Of Uncertainty And Transition In The Healthcare Industry
A recession is hitting US consumers hard as the financial crisis continues to send ripples across US and global economies. Most US industries are feeling the effects —banks, retailers, auto...
Unrest Is Looming Behind A Deceptively Positive Attitude Among HSA Owners
The so-called consumer-directed health (CDH) market has opened a new door for financial services firms. Health savings accounts (HSAs) are the controversial but quickly growing financial "half" of...
Consolidation Continues In A Highly Competitive Market
Canopy Financial, a technology solutions provider in the consumer-directed health plan (CDHP) market, announced on October 15, 2008, that it had acquired CareGain — a key competitor —...
HSAs Swell To More Than 6 Million Accounts And More Than $8 Billion In Assets
The so-called consumer-directed health (CDH) market plunges its roots deeper into the health insurance industry as US employers continue to fight the rising costs of healthcare and more consumers...
Multipayer Portals Are Emerging As Providers' Preferred Channel
Payer-provider connectivity remains quite fragmented in the US. As the feds gear up for the inaugural trial of a nascent Nationwide Health Information Network (NHIN) in late 2008, many payers and...
Forrester Exposes Glaring Lack Of Loyalty In A Highly Price-Sensitive Market
Individual consumers seeking health coverage are increasingly going online to find it, but today, many health insurers' Web sites are ill-prepared to turn these visitors into profitable members....
TriZetto And DST Health Solutions Lead In A Highly Consolidated Market
Following significant consolidation in the healthcare claims platform space over the past two years, Forrester evaluated eight products among the remaining four leading vendors across 61 criteria....
A Joint Forrester And Employee Benefit News Study Shows That Benefits Richness Declines As HSAs Gain Steam
The 2007 Employee Benefit News/Forrester Research Benefits Decisions' Impact Study of more than 900 benefits professionals examines employers' overall benefits strategies. One of the top concerns...
Express Scripts' Acquisition Of ConnectYourCare Ensures Long-Term Viability
On October 11, 2007, Express Scripts, Inc. (ESI) — one of the largest pharmacy benefits managers (PBMs) in the US — announced its acquisition of ConnectYourCare (CYC). Although we ranked...
A Market That Is Ripe For The Picking
The individual health insurance market is slowly but steadily growing, driven by the gradual erosion of employer-sponsored coverage, the rising population of uninsured, and a government that...
A Call For eBusiness Professionals To Respond To Industry Transformation
The needs of online healthcare consumers are evolving, and many of the tools that plans make available to them aren't keeping up. The good news is that consumer-directed health plan (CDHP) members...
Market penetration for health savings accounts (HSAs) among US households is gaining momentum. Even an impending presidential election, in which healthcare reform is a top priority, cannot break the...
Forrester defines customer relationship management (CRM) as a set of business processes and supporting technologies that is used to acquire, retain, and enhance customer relationships. While...
CVS's Acquisition Of Caremark Represents An Industry Transformation
On the surface, the recent acquisition of pharmacy benefits manager (PBM) Caremark by CVS/pharmacy may seem a bit superficial. However, Forrester believes that this event is representative of...
Approval From Feds Levels The Playing Field In The CDHP Market
Fourteen months after it announced plans to get into the banking business, the Blue Cross and Blue Shield Association (BCBSA) has received federal approval of its application for a federal savings...
Health Plans' Service Issues Will Cause Market Deceleration If Ignored
Recent evidence shows that consumer-driven health plans (CDHPs) are beginning to gain market share faster than Forrester predicted in 2003. However, enrollees in these plans will demand improved...