Disruption of the group health insurance in light of the Affordable Care Act - system approach

Our current Healthcare system has multiple problems and it is widely perceived that it is not able to provide quality affordable healthcare to all Americans; millions of Americans are without Health Insurance. The Affordable Care Act (ACA) was signed into law to achieve goal of 'quality affordable care for all American'. The ACA has focus on Individual Health Insurance and the provision of Health Exchange Marketplaces to find and purchase Health Insurance. Disruptive Innovation is a phenomenon in which a new entrant company disrupts the existing established company. As ACA and Health Exchanges have provided level playing field for all companies - new entrants and established - will this lead to disruption of Healthcare? Disruptive Innovations is analyzed from System Approach point of view. Disruption is not limited to two companies; Disruptor System disrupts the existing system including incumbent company. Disruption will be spearheaded by new entrant Disruptor Company and disruption will take place at system level. The existing Healthcare System and Possible Disruptor Systems are defined and investigated. Relative advantage and disadvantages to these two systems with regard to ACA regulations are analyzed. Elements of the healthcare disruptor system are analyzed and information present in the public domain about Health Exchange enrolment after the end of first enrollment seasons is studied to find out who could be possible disruptor and whether disruptor system formation has started.

Department dc:contributor.department

Massachusetts Institute of Technology. Engineering Systems Division.

Grantor dc:publisher

Massachusetts Institute of Technology

Year dc:date.issued

2014

Author dc:creator

• Shefali, Shweta

Advisor dc:contributor.advisor

• Patrick Hale.

• Engineering Systems Division.
• System Design and Management Program.

Statement dc:rights

• M.I.T. theses are protected by copyright. They may be viewed from this source for any purpose, but reproduction or distribution in any format is prohibited without written permission. See provided URL for inquiries about permission.

Licence dc:rights.uri

• http://dspace.mit.edu/handle/1721.1/7582

Language dc:language.iso

eng

Handle dc:identifier.uri

http://hdl.handle.net/1721.1/90725

OAI identifier oai:identifier

oai:dspace.mit.edu:1721.1/90725