<!doctype html>
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" lang="en-US" xml:lang="en-US">
  <head>
    <title data-ignore-plain-text>IntoValue Insights - May 2024</title>
    <meta http-equiv="content-type" content="text/html; charset=utf-8">
    <meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1">
    <meta name="format-detection" content="address=no">
    <!--[if (gte mso 9)|(IE)]>
    <style type="text/css" media="screen">
      li {
        text-indent: -1em;
      }
    </style>
    <![endif]-->
    <style type="text/css" media="all">
      body,
.section-text-area,
.section-text-area-wrapper,
.section-text-cell {
    overflow-wrap: break-word;
    word-wrap: break-word;
    -ms-word-break: break-all;
    word-break: break-word;
}
body {
    width: 100% !important;
    min-width: 100% !important;
    -ms-text-size-adjust: none;
    -webkit-text-size-adjust: none;
    mso-line-height-rule: exactly;
}
p {
    margin-block: 0;
}
@media only screen and (max-width:  593px ) {
    table#newsletter-table {
        border: 0 !important;
    }
    table#newsletter-email {
        width: 100% !important;
    }
    img.section-scaleable-image,
    img.section-empty-img {
        max-width: 100% !important;
        height: auto !important;
    }
    .bg-none {
        background: none !important;
    }
    .hauto {
        height: auto !important;
    }
    .show-desktop-only {
        display: none !important;
    }
    .show-mobile-only {
        display: block !important;
        float: none !important;
        line-height: auto !important;
        max-height: inherit !important;
        max-width: inherit !important;
        margin-top: 0px !important;
        overflow: visible !important;
        visibility: inherit !important;
        width: auto !important;
    }
    .stack-cell-wrap {
        display: block !important;
    }
    .stack-cell-up {
        display: table-header-group !important;
    }
    .stack-cell-down {
        display: table-footer-group !important;
    }
    .mw100p {
        max-width: 100% !important;
    }
    .section-horizontal-padding,
    .padding-mobile-both {
        padding-left: 22px !important;
        padding-right: 22px !important;
    }
    .padding-mobile-left {
        padding-left: 22px !important;
    }
    .padding-mobile-right {
        padding-right: 22px !important;
    }
    .text-left {
        text-align: left !important;
    }
    .text-right {
        text-align: right !important;
    }
    .w100p {
        width: 100% !important;
    }
}
.button-style-solid:hover,
.button-style-rounded:hover {
    opacity: .8 !important;
}
a:hover {
    text-decoration: none !important;
}
span.mail-merge-preview {
    border-bottom: 2px dotted currentColor;
    display: inline-block;
    line-height: 1em !important;
    margin-bottom: .125em !important;
}
table#newsletter-section-body .linked-site-title-link {
    color: #baf851 !important;
}
#header-header-section-stacked-top-0 .brand-name .linked-site-title-link {
    color: #fff;
    text-decoration: none;
}
#footer-footer-section-stacked-top-0 .brand-name .linked-site-title-link {
    color: #fff;
    text-decoration: none;
}
#footer-footer-section-stacked-top-0 .footer-text .linked-site-title-link {
    color: #baf851;
}
body.renderedPreview #line-line-section-0 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}
body.renderedPreview #line-line-section-2 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}
body.renderedPreview #line-line-section-4 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}
#button-button-section-7 .button-style-outline:hover {
    background-color: #baf851 !important;
    border: 1px solid #baf851 !important;
}
#button-button-section-7 .button-style-outline:hover .button-section-label {
    color: #000 !important;
}
body.renderedPreview #line-line-section-8 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}
#button-button-section-11 .button-style-outline:hover {
    background-color: #baf851 !important;
    border: 1px solid #baf851 !important;
}
#button-button-section-11 .button-style-outline:hover .button-section-label {
    color: #000 !important;
}
body.renderedPreview #line-line-section-12 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}
#button-button-section-15 .button-style-outline:hover {
    background-color: #baf851 !important;
    border: 1px solid #baf851 !important;
}
#button-button-section-15 .button-style-outline:hover .button-section-label {
    color: #000 !important;
}
body.renderedPreview #line-line-section-16 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}
#button-button-section-19 .button-style-outline:hover {
    background-color: #baf851 !important;
    border: 1px solid #baf851 !important;
}
#button-button-section-19 .button-style-outline:hover .button-section-label {
    color: #000 !important;
}
body.renderedPreview #line-line-section-20 div.basic-line[data-line="dashed"] {
    border-width: .5px 0 !important;
}

    </style>
    
    
    <!--[if mso]>
    <noscript>
      <xml>
        <o:OfficeDocumentSettings>
          <o:AllowPNG/>
          <o:PixelsPerInch>96</o:PixelsPerInch>
        </o:OfficeDocumentSettings>
      </xml>
    </noscript>
    <![endif]-->
    
    <!--[if (mso)|(mso 16)]>
      <style type="text/css">
        a {text-decoration: none;}
      </style>
    <![endif]-->
  </head>
  <body style="padding:0;margin:0;text-align:center;background-color:#fff;">
    <table role="article" aria-label="IntoValue Insights - May 2024" lang="en-US" cellpadding="0" cellspacing="0" border="0" align="center" id="newsletter-table" style="font-size:16px;font-weight:normal;width:100%;padding:0px;background-color:#fff;border-top:44px solid #fff;border-bottom:44px solid #fff;margin:0 auto;text-align:center;table-layout:fixed;">
  <tbody><tr>
    <td align="center" valign="top" bgcolor="#FFFFFF" id="newsletter-cell" style="font-size:1.125em;">
      <div data-ignore-plain-text class="newsletter-preview-text" style="color:transparent;display:none !important;height:0;max-height:0;max-width:0;opacity:0;overflow:hidden;mso-hide:all;visibility:hidden;width:0;">
        
            
            Some of our favorite insights on innovations in heath systems and medical groups delivering high quality care to self-insured employers.͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;͏‌&nbsp;
        
      </div>
      <table border="0" cellpadding="0" cellspacing="0" width="594" bgcolor="#173753" id="newsletter-email">
        <tbody><tr>
          <td align="center" valign="top" id="newsletter-email-wrapper" class="book-contrast-1">
            <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" id="newsletter-section-header">
              <tbody><tr>
                <td align="center" valign="middle" id="newsletter-section-header-cell">
                  
<div id="header-header-section-stacked-top-0">





<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="section-content header-section header-section-stacked" style="background-color:transparent;">
  <tbody><tr>
    <td align="center" valign="middle" class="section-text-area section-content-cell" style="padding-top:40px;padding-right:22px;padding-bottom:30px;padding-left:22px;">
      
  
  
    
      <a class="brand-logo-link" href="https://www.intovaluegroup.com/" style="color:#baf851 !important;"><img class="brand-logo" src="https://images.squarespace-cdn.com/content/v1/65ba808b0d650b53fb9a9be8/7bb82d83-3714-4327-8d9e-b92b384c9b73/IntoValue+Logo_3_ElectricBlue.png" height="66" alt="IntoValue - Enabling Direct to Employer Healthcare" style="font-size:.9em;display:block;border:0;text-decoration:none;line-height:0;font-weight:normal;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;color:#fff;height:auto;max-height:66px;max-width:100%;width:auto;"></a>
    
  
  

      
    </td>
  </tr>
</tbody></table>

</div>
                </td>
              </tr>
            </tbody></table>
            <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" id="newsletter-section-body">
              <tbody><tr>
                <td align="center" valign="top" width="100%" id="newsletter-section-body-cell">
                  
<div id="line-line-section-0">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-1">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:0px;padding-right:22px;padding-bottom:0px;padding-left:22px;color:#fff;background-color:transparent;">
      <p style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;text-align:center;" class="">Healthy communities are a result of strong partnerships between providers and employers. </p><p style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;text-align:center;" class="">At IntoValue, we support providers working directly with self-insured employers to improve employee health outcomes and the care experience, all while reducing the cost of care. </p><p style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;text-align:center;" class="">Here, we share some of the most interesting recent thought pieces about innovations in improving healthcare. </p><p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;height:1.618em;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;"></p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="line-line-section-2">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
<div id="image-image-section-below-3">
<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="image-section below-layout section-content">

  
  <tbody><tr>
    <td class="spacing-above" height="10"></td>
  </tr>


  
    <tr>
      <td>
        <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0">
          <tbody><tr>
              
    <td class="show-desktop-only section-spacing-left" width="25"></td>
  

            <td align="left" valign="middle" class="section-image-cell section-content-cell section-hoverable-image" data-aspect="ORIGINAL" style="padding:0;">
              
  <a href="https://www.intovaluegroup.com" style="color:#baf851 !important;"><img class="section-scaleable-image" src="https://images.squarespace-cdn.com/content/v1/65ba808b0d650b53fb9a9be8/1715967826525-2SJGMI8T0SH63SP12IRN/image-asset.jpeg?format=750w" width="594" alt="I" style="font-size:.9em;display:block;border:0;text-decoration:none;line-height:0;background-color:transparent;font-weight:normal;height:auto;width:100%;max-width:100%;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;"></a>


            </td>
              
    <td class="show-desktop-only section-spacing-right" width="25"></td>
  

          </tr>
        </tbody></table>
      </td>
    </tr>
    
  
  
  <tr>
    <td bgcolor="transparent" class="spacing-below" height="10"></td>
  </tr>



</tbody></table>

</div>
<div id="line-line-section-4">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-5">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:0px;padding-right:22px;padding-bottom:0px;padding-left:22px;color:#fff;background-color:transparent;">
      <p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">EMPLOYER-SPONSORED INSURANCE| May 2024</p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-6">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:40px;padding-right:22px;padding-bottom:30px;padding-left:22px;color:#fff;background-color:transparent;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.7578125em;mso-line-height-alt:1.7578125em;margin-top:0;font-family:'DejaVu Sans Condensed', 'Liberation Sans', 'Nimbus Sans L', 'Helvetica Neue', Helvetica, Arial, sans-serif;letter-spacing:0em;">Employers Facing Rising Health Care Costs Get Tough on Providers</h3><p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">Axios reports that improved healthcare price transparency has employers increasingly negotiating with providers to reduce costs and improve care. This creates an opportunity to build strong partnerships between self-insured employers and providers to deliver high quality, affordable services that align with employers’ and employees’ needs. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="button-button-section-7">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="button-section section-content" style="width:100%;background-color:transparent;">
  <tbody><tr>
    <td align="left" valign="middle" class="section-content-cell section-text-area" style="padding-top:0px;padding-right:0px;padding-bottom:35px;padding-left:22px;">
      
      <a href="https://www.axios.com/2024/05/13/health-costs-employers-hospitals-doctors" class="button-section-box button-style-solid" style="color:#baf851 !important;display:inline-block;line-height:11px;margin:0;mso-padding-alt:0;text-align:center;text-decoration:none;transition:.15s;width:auto;background-color:#baf851;border:0;padding:17px 0;"><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i><span class="button-section-label" style="font-weight:inherit;line-height:inherit;margin:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;color:#000;display:inline-block;font-size:11px;min-width:1px;mso-text-raise:15.95px;"><span data-letter-spacing="3" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.2em;">READ MORE</span></span><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i></a>
    </td>
  </tr>
</tbody></table>

</div>
<div id="line-line-section-8">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-9">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:0px;padding-right:22px;padding-bottom:0px;padding-left:22px;color:#fff;background-color:transparent;">
      <p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">EMPLOYER-SPONSORED INSURANCE | May 2024</p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-10">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:40px;padding-right:22px;padding-bottom:30px;padding-left:22px;color:#fff;background-color:transparent;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.7578125em;mso-line-height-alt:1.7578125em;margin-top:0;font-family:'DejaVu Sans Condensed', 'Liberation Sans', 'Nimbus Sans L', 'Helvetica Neue', Helvetica, Arial, sans-serif;letter-spacing:0em;">Prices Paid to Hospitals by Private Health Plans: Findings from Round 5 of an Employer-Led Transparency Initiative</h3><p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">Improved transparency in health care pricing may improve employers’ ability to appropriately manage and administer benefits, including benefit design, for employees. The study provides an opportunity to compare hospital and health system prices. The Employers’ Forum of Indiana offers a nice summary <a href="https://employersforumindiana.org/media/resources/Prices-Paid-to-Hospitals-by-Private-Health-Plans-Round-5-Chris-Whaley-2024-05-13.pdf" rel="nofollow" style="color:#baf851 !important;">deck</a>. According to the study, employers and private insurers paid more than 250% of what Medicare would have paid for the same services at the same facilities. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="button-button-section-11">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="button-section section-content" style="width:100%;background-color:transparent;">
  <tbody><tr>
    <td align="left" valign="middle" class="section-content-cell section-text-area" style="padding-top:0px;padding-right:0px;padding-bottom:35px;padding-left:22px;">
      
      <a href="https://www.rand.org/pubs/research_reports/RRA1144-2.html" class="button-section-box button-style-solid" style="color:#baf851 !important;display:inline-block;line-height:11px;margin:0;mso-padding-alt:0;text-align:center;text-decoration:none;transition:.15s;width:auto;background-color:#baf851;border:0;padding:17px 0;"><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i><span class="button-section-label" style="font-weight:inherit;line-height:inherit;margin:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;color:#000;display:inline-block;font-size:11px;min-width:1px;mso-text-raise:15.95px;"><span data-letter-spacing="3" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.2em;">READ MORE</span></span><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i></a>
    </td>
  </tr>
</tbody></table>

</div>
<div id="line-line-section-12">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-13">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:0px;padding-right:22px;padding-bottom:0px;padding-left:22px;color:#fff;background-color:transparent;">
      <p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">EMPLOYER-SPONSORED INSURANCE | May 2024</p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-14">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:40px;padding-right:22px;padding-bottom:30px;padding-left:22px;color:#fff;background-color:transparent;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.7578125em;mso-line-height-alt:1.7578125em;margin-top:0;font-family:'DejaVu Sans Condensed', 'Liberation Sans', 'Nimbus Sans L', 'Helvetica Neue', Helvetica, Arial, sans-serif;letter-spacing:0em;">HEALTH CARE Un-covered’s New Beat: Disintermediation </h3><p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">Disintermediation is a recent trend in healthcare where employers are bypassing traditional health insurance companies and finding new ways to provide health benefits to employees. The author, Wendell Potter, who worked for a large health insurer, says that this trend is happening because employers are fed up with the high cost of health insurance and the fact that insurers often don't pay for the care that employees need. </p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="button-button-section-15">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="button-section section-content" style="width:100%;background-color:transparent;">
  <tbody><tr>
    <td align="left" valign="middle" class="section-content-cell section-text-area" style="padding-top:0px;padding-right:0px;padding-bottom:35px;padding-left:22px;">
      
      <a href="https://wendellpotter.substack.com/p/health-care-un-covereds-new-beat" class="button-section-box button-style-solid" style="color:#baf851 !important;display:inline-block;line-height:11px;margin:0;mso-padding-alt:0;text-align:center;text-decoration:none;transition:.15s;width:auto;background-color:#baf851;border:0;padding:17px 0;"><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i><span class="button-section-label" style="font-weight:inherit;line-height:inherit;margin:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;color:#000;display:inline-block;font-size:11px;min-width:1px;mso-text-raise:15.95px;"><span data-letter-spacing="3" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.2em;">READ MORE</span></span><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i></a>
    </td>
  </tr>
</tbody></table>

</div>
<div id="line-line-section-16">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-17">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:0px;padding-right:22px;padding-bottom:0px;padding-left:22px;color:#fff;background-color:transparent;">
      <p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-top:0;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">EMPLOYER-SPONSORED INSURANCE | April 2024</p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="text-text-section-18">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="text-section section-content">
  <tbody><tr>
    <td valign="top" class="section-text-area section-content-cell" style="padding-top:40px;padding-right:22px;padding-bottom:30px;padding-left:22px;color:#fff;background-color:transparent;">
      <h3 style="color:inherit;margin:1.414em 0 .5em;font-weight:400;line-height:1.25em;font-size:1.7578125em;mso-line-height-alt:1.7578125em;margin-top:0;font-family:'DejaVu Sans Condensed', 'Liberation Sans', 'Nimbus Sans L', 'Helvetica Neue', Helvetica, Arial, sans-serif;letter-spacing:0em;">Survey: Mental Health Worsens for 34% of US Workers</h3><p class="" style="color:inherit;font-size:1.125em;line-height:1.618em;margin:0 0 1.25em 0;font-weight:normal;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;">Recently conducted research by the Conference Board CHRO Confidence Index suggests that employees are struggling with mental health, which can have a significant impact on worker performance. Programs to support mental health and well-being for workers may be decreasing. Of the programs that&nbsp;are&nbsp;offered, many are not being used, creating an excellent opportunity for providers to collaborate with employers to engage employees for improved health, wellness, and productivity.<strong> </strong></p>
    </td>
  </tr>
</tbody></table>

</div>
<div id="button-button-section-19">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="button-section section-content" style="width:100%;background-color:transparent;">
  <tbody><tr>
    <td align="left" valign="middle" class="section-content-cell section-text-area" style="padding-top:0px;padding-right:0px;padding-bottom:35px;padding-left:22px;">
      
      <a href="https://www.conference-board.org/press/mental-healthor-worsens-US-workers" class="button-section-box button-style-solid" style="color:#baf851 !important;display:inline-block;line-height:11px;margin:0;mso-padding-alt:0;text-align:center;text-decoration:none;transition:.15s;width:auto;background-color:#baf851;border:0;padding:17px 0;"><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i><span class="button-section-label" style="font-weight:inherit;line-height:inherit;margin:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;color:#000;display:inline-block;font-size:11px;min-width:1px;mso-text-raise:15.95px;"><span data-letter-spacing="3" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;letter-spacing:0.2em;">READ MORE</span></span><i class="button-section-mso" style="letter-spacing:29.92px;mso-font-width:-100%;mso-text-raise:26.950000000000003px;">&nbsp;</i></a>
    </td>
  </tr>
</tbody></table>

</div>
<div id="line-line-section-20">

<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="line-section section-content">
  <tbody><tr>
    <td align="center" valign="middle" width="100%">
      <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" class="line-section-table section-content" style="width:92%;min-width:92%;">
        <tbody><tr>
          <td align="center" valign="middle" class="section-content-cell" width="100%" style="padding-top:10px;padding-right:0;padding-bottom:10px;padding-left:0;">
            <div class="basic-line" data-line="solid" style="background:none;font-size:0;margin:0;line-height:0;height:0;width:100%;border-style:solid none;border-width:1px 0 0px;border-color:#fff;">&nbsp;</div>
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

</div>
                </td>
              </tr>
            </tbody></table>
            
              <table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" id="newsletter-section-footer">
                <tbody><tr>
                  <td align="center" valign="top" id="newsletter-section-footer-cell">
                    
<div id="footer-footer-section-stacked-top-0">



<table role="presentation" width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="transparent" class="footer-section footer-section-stacked section-content" style="background-color:transparent;">
  <tbody><tr>
    <td align="center" valign="top" class="section-text-area section-content-cell" style="padding-top:22px;padding-right:22px;padding-bottom:22px;padding-left:22px;">
      
  
  
    
      <a class="brand-logo-link" href="https://www.intovaluegroup.com/" style="color:#baf851 !important;"><img class="brand-logo" src="https://images.squarespace-cdn.com/content/v1/65ba808b0d650b53fb9a9be8/7bb82d83-3714-4327-8d9e-b92b384c9b73/IntoValue+Logo_3_ElectricBlue.png" height="22" alt="IntoValue - Enabling Direct to Employer Healthcare" style="font-size:.9em;border:0;text-decoration:none;line-height:0;font-weight:normal;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;margin-bottom:13.75px;color:#fff;display:inline;height:auto;max-height:22px;max-width:100%;width:auto;"></a>
    
  
  

      

      
      
  
    <p class="footer-company-info" style="line-height:1.618em;font-weight:normal;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;color:#fff;font-size:11px;margin:0 0 13.75px 0;padding:0;">
  <a style="color:#fff;text-decoration:none;font-size:inherit;font-family:inherit;font-weight:inherit;line-height:inherit;cursor:default;">IntoValue, 
  2101 L Street, NW  Suite 300, 
  Washington, DC 20037, 
  USA</a>
</p>
  

      
<p class="footer-links" style="line-height:1.618em;font-weight:normal;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;font-size:11px;color:#fff;margin:0 0 13.75px 0;padding:0;">
  Powered by <a href="https://www.squarespace.com?channel=product_refer&amp;subchannel=customer&amp;source=email_campaigns_button&amp;campaign=65ba808b0d650b53fb9a9be8&amp;utm_medium=product_refer&amp;utm_source=email_campaigns_button" class="sqsp-link" style="color:#fff;text-decoration:underline;display:inline-block;">Squarespace</a>
</p>


      <p class="footer-links" style="line-height:1.618em;font-weight:normal;margin-bottom:0;font-family:Palatino, Palladio, Baskerville, 'Nimbus Roman No9 L', Garamond, 'Century Schoolbook', serif;font-size:11px;color:#fff;margin:0 0 13.75px 0;padding:0;">
  <a href="#" class="unsubscribe-link" style="color:#fff;text-decoration:underline;">
    <span class="unsubscribe-link-text" style="font-size:inherit;font-weight:inherit;line-height:inherit;margin:0;">Unsubscribe</span>
  </a>
</p>

    </td>
  </tr>
</tbody></table>

</div>
                  </td>
                </tr>
              </tbody></table>
            
          </td>
        </tr>
      </tbody></table>
    </td>
  </tr>
</tbody></table>

  
</body></html>
