標題: 亞馬遜、波克夏、JP摩根共組公司進軍醫保業
david31408
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發表於 2018-2-2 10:31  資料 短消息 
我也是這麼想的
以退為進
老巴才說沒跟到亞馬遜
哈哈 現在自己合組聯盟
到時候亞馬遜就賣藥了
線上幫老巴賣保險
大家跟摩根借錢
只是我覺得奇怪 怎麼不是富國銀行

QUOTE:
原帖由 chousirbuy 於 2018-2-1 22:17 發表
我很直覺的就想到以後可以在亞馬遜上用很方便的方式和老巴簽保單,而且可以從JP銀行自動扣款然後保單組合自己決定,不用請人,不需要房地產
接著亞馬遜再用很利害的數學程式教人如何自己選保險組合, 順便取代經 ...

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baggiotsai (baggio)
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發表於 2018-2-2 11:31  資料 短消息 
Amazon 第四季財報 (2017) 18.56億    (2016)7.49億
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mikeon88
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發表於 2018-2-2 11:37  資料 主頁 文集 短消息 
都是因減稅
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mikeon88
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42.72.102.102
發表於 2018-2-13 09:33  資料 主頁 文集 短消息 
The distribution segment generated about $195.9 billion in revenue in the last year. We have to point out that although the distribution segment is generating almost all of McKesson’s revenue, it has an operating margin of only 1.7% while the technology solutions segment has an operating margin of 12-13%.

MCK藥品配售營利率才1.7%,亞馬遜的利基不大。
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Raimu
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發表於 2018-2-13 11:59  資料 短消息 
低毛利是優秀的護城河
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Curry
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發表於 2018-2-13 12:38  資料 短消息 
Raimu桑,小弟也有同感,WMT就是一個例子!
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mikeon88
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發表於 2018-2-13 17:39  資料 主頁 文集 短消息 
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mikeon88
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發表於 2018-2-13 21:16  資料 主頁 文集 短消息 
利潤率高低跟周轉率有關,
為何MCK藥品批發商營利率2%不到可以賺錢,因周轉率高,
下游ESRX藥房營利率要高到6%,因藥房的藥品需等客戶上門買,周轉率較低。

所以亞馬遜和巴菲特以為美國藥價貴是因為通路沒效率,看來並不成立,
以MCK和ESRX的營利率這麼低來看是有很好效率的,
亞馬遜想進來是討不到便宜的。
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mikeon88
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發表於 2018-2-15 15:12  資料 主頁 文集 短消息 
We asked Jamie Dimon why JPMorgan is forming a new healthcare company with Amazon and Berkshire Hathaway — here's what he saidGrant Eizikowitz and Lydia Ramsey


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  • JPMorgan CEO Jamie Dimon thinks the US has an issue when it comes to spending on healthcare.
  • It's what he hopes to change with a new independent nonprofit venture announced in January with Amazon and Berkshire Hathaway, aimed at lowering healthcare costs for their employees.
  • Dimon said he started chatting with Warren Buffett and Berkshire Hathaway investment officer Todd Combs, who also sits on the board of JPMorgan, and Amazon CEO Jeff Bezos.
  • "We said, we know we can do more," Dimon said. "We know we can do more just thinking through every single part of it."
  • One way to improve, Dimon suggested, is by bringing wellness more into the healthcare picture.
  • We also talked to Dimon about the bank's $20 billion investment in the US, the economy, and why he won't run for office. You can read the full Q&A here.
Jamie Dimon is fed up with the way America does healthcare.
In a conversation with Business Insider's Matt Turner, the JPMorgan CEO explained why he, along with Amazon and Berkshire Hathaway, are banding together to form an independent nonprofit venture to lower healthcare costs for their employees.
When it comes to how the US spends on healthcare, it often doesn't make a lot of sense.
"Look, America has an issue, OK? We spend 17% of our GDP in healthcare. You know we have the best of all worlds, some of the best healthcare in the world. And the worst of all worlds. We don't do very good preventive medicine. It costs too much," Dimon said.
The rising spending is something Berkshire Hathaway CEO Warren Buffett has called the "hungry tapeworm on the American economy."
And getting people to be more active consumers in the healthcare system with health plans that feature deductibles—the amount of money paid out of pocket before insurance kicks in — hasn't gone over as well as expected.
"Going into deductibles was important to get you to shop a little bit but hasn't really worked really well," Dimon said.
The three companies are self-insured employers, which means that when you're an employee going to a doctor's appointment, your employer is ultimately footing the bill for the MRI you receive, rather than a health insurer. The insurance companies are there in the middle to handle the logistics of getting the claim from one place to another.
"So I tell people, JP Morgan Chase already buys a $1.5 billion of medical, and we self-insure," Dimon said. "Think of this, we're already the insurance company, we're already making these decisions, and we simply want do a better job."
JPMorgan for example has lowered deductibles for employees who make less than $60,000 a year. The deductible can also be tied to lifestyles as well, bringing that deductible even lower.
"If you do your wellness stuff now, if you take care of yourself, if you don't smoke, we give you benefits and the deductible effectively goes to zero," he said. "So we've kind of really made it easier for folks to get proper medical care."
Dimon said he started chatting with Buffett and Berkshire Hathaway investment officer Todd Combs, who also sits on the board of JPMorgan, and Amazon CEO Jeff Bezos.
"We said, we know we can do more. We know we can do more just thinking through every single part of it," Dimon said. Whether that be giving employers more information on their phones, which could in turn help with their overall wellness. Keeping employees healthier for longer in turn could cut down on healthcare spending by preventing patients from getting sicker.
"There are ways that, when you face this, maybe we can change things to make it much better for everybody," Dimon said. "We want happier employees, better medical outcomes, and I do think at the end of the day that'll actually be cheaper."
Following is a full transcript of the conversation.
Matt Turner: JP Morgan announced an initiative with Amazon and Berkshire Hathaway. How did that come about, and what are you hoping to achieve there?
Jamie Dimon: Look, America has an issue, OK? We spend 17% of our GDP in healthcare. You know we have the best of all worlds — some of the best healthcare in the world. And the worst of all worlds. We don't do very good preventive medicine. It cost too much. Warren Buffett calls it the tapeworm of corporate America.
Going into deductibles was important to get you to shop a little bit but hasn't really worked really well. So I tell people, JP Morgan Chase already buys a billion and a half dollars of medical, and we're self-insured. Think of this: We're already the insurance company, we're already making these decisions, and we simply wanna do a better job.
And in conversation with Warren, and someone who works for him called Todd Combs, who's one of my board members, who's exceptional, and Jeff Bezos, we said we know we can do more. We know we can do more just thinking through every single part of it. Both the customer-facing part so you might be able to get look at more data on your phone and stuff like that, getting you do wellness.
I mean, 20% of our medical expense is at end of life, and a lot of people don't want to go through it — they go through it in a hospital. So maybe we need a legal change of that. A lot of people over-utilize certain medicines, but they also under-utilize it. And it's also silly they have no wellness. Like, if you take care of yourself, I think smoking and obesity — I forgot the number — account for 25% of all medical expenses. Well, that's us!
So, you know, there are ways that when you face this maybe we can change things to make it much better for everybody. We want happier employees, better medical outcomes, and I do think at the end of the day that'll actually be cheaper.


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mikeon88
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發表於 2018-2-15 15:15  資料 主頁 文集 短消息 
Business Insider 記者訪問JPM老闆談三巨頭合組公司,
內容蠻空洞的,
希望建立員工自我健康管理,降低吸菸及肥胖率,
......
我就放心了。
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發表於 2018-2-15 15:33  資料 短消息 
這樣就對了...
蒸的很放心
顆顆∼
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發表於 2018-2-19 07:27  資料 短消息 
Charlie Munger: Rising medical costs in the US are 'evil'Berkshire Hathaway’s (BRK-A, BRK-B) vice chairman, Charlie Munger, is “all for” his company and other corporate giants figuring out how to cut costs in the U.S. healthcare system.
Back in January, Amazon (AMZN), JPMorgan Chase (JPM), and Berkshire Hathaway announced a partnership where they’re working together to address rising health care costs in the U.S. for their employees.
“The existing system runs out of control on the cost side and it causes a lot of behavior, which is not only regrettable, it’s evil,” Munger, 94, said at the Daily Journal’s (DJCO) annual meeting.
He added that there’s a lot of “totally unnecessary” costs that have crept into the medical system. His comments on Tuesday echo what he’s said for years. At Berkshire Hathaway’s annual shareholder meeting in 2017, he said there’s “too much medicine” and “too much chemotherapy” for people who are “all but dead.”
The Amazon-JPMorgan-Berkshire Hathaway partnership will look at how the incentives have gone wrong and come up with a solution.
“Of course, that’s a very difficult thing to take on,” Munger said. “I don’t know how it will work out.”
Presently, the American medical system is like vultures treating the sick like a “carcass.”
“It’s not right to bleed so much money,” he said, adding that it’s “deeply wrong” what’s happened.
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發表於 2018-2-19 07:33  資料 短消息 
蒙格(老巴的貴人)說:這很困難,我們甚至不知道怎麼work on...

  • 呃...這樣就對了...忘了他吧...
  • 這樣就放心了...
  • 大回檔快來了,您應該要忙著大買股票了...這件事情(亞馬遜、波克夏、JP摩根共組公司進軍醫保業)就不要放在心上了...
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