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UnitedHealth Group’s announcement that its free-standing pharmacy care services business, OptumRx, will merge with Catamaran Corp., the fourth largest pharmacy benefit manager in the U.S., makes sense, according to industry experts.

With a more consumer-oriented health insurance industry evolving amidst landmark regulatory and technological changes, insurance plans need skills that have never before been demanded.

Consumer-driven healthcare has transformed from media buzzword to meaningful action, but it’s the economics behind the healthcare universe that have finally turned the consumer-driven concept into a reality for benefits administrators, employers and consumers alike.

Today, rating systems are driving consumer decisions in virtually every U.S. industry. A single “gold standard” for customer ratings has yet to emerge in healthcare, and providers and payers are focusing more than ever before on the customer experience – how patients evaluate everyday interactions with their care and service providers.

The industry is challenged by a number of issues in 2015 including cost control, technology threats, and the emerging consumer market.

ACOs in Medicare’s Shared Savings Program (SSP) will have three more years before they are liable for losses if rules proposed by the Centers for Medicare and Medicaid Services (CMS) on December 1 are adopted.

Approximately half of all adults in the U.S. have one or more chronic health conditions, and 75% of health care costs are due to chronic illnesses. When psychosocial issues like depression, low income, or lack of social support are present, the impact on costs is even greater.

Employer-sponsored healthcare benefits are not insulated from the changes taking place in the broader healthcare marketplace. However employers, particularly large employers, are attempting to drive the conversation and actions toward issues that are important to them. One of the best ways to do that is to pressure health plans to help them achieve their healthcare goals