Healthcare payers in the age of the customer must contend with a major amount of business whiplash, more so than players in almost any other industry. Today's massive upheaval brings opportunities and challenges that pull CIOs and tech management into the center of healthcare business transformation, but the ugly reality is that legacy technology and a historic focus on operational efficiency make change challenging. This report provides health insurer CIOs with four key imperatives that they should include in a constituent-obsessed tech strategy.