Health insurers faced disruption from every angle in 2022. Increasing pressure from new healthcare entrants, competitor organizations, and consumers forced health insurers to step up their game — especially for customer experience. To thrive in this dynamic market, health insurers must throttle up their transformation efforts in risk stratification and chronic care management, facilitate new care delivery and operating models, and deliver transparent, personalized customer experiences that inform and empower members. This report helps healthcare leaders understand and address critical industry forces and develop the right digital strategy to meet evolving healthcare consumer needs in 2023.