標題: 亞馬遜、波克夏、JP摩根共組公司進軍醫保業 [打印本頁]
mikeon88 時間: 2018-1-30 20:51 標題: 亞馬遜、波克夏、JP摩根共組公司進軍醫保業
Amazon, Berkshire Hathaway and JPMorgan have agreed to create an independent company focused on technology solutions aimed at providing U.S. employees and their families simplified, high-quality, transparent healthcare at a reasonable cost.
• The initial formulation of the company will be led by Berkshire investment officer Todd Combs, JPMorgan Chase Managing Director Marvelle Sullivan and Amazon SVP Beth Galetti.
• Healthcare providers/insurers are down premarket on the news: (NYSE:UNH) (-2%); (NYSE:ANTM) (-2%); (NYSE:AET) (-3%); (NYSE:CNC) (-2%); (NYSE:MOH) (-2%); (NYSE:CVS) (-7%).
• ETFs: GRX, THW, BME, IXJ
mikeon88 時間: 2018-1-30 20:53
Curry 時間: 2018-1-30 20:54
chousirbuy 時間: 2018-1-30 23:30
Raimu 時間: 2018-1-31 00:10
mikeon88 時間: 2018-1-31 07:01
In a tweet, CNBC's Meg Tirrell reports that Express Scripts (ESRX -4.2%) "looks forward to hearing more" about the Amazon/Berkshire/JPMorgan healthcare venture aimed at simplified affordable healthcare.
• Express says it has reduced costs by $32B in the past year alone related to the management of chronic conditions like diabetes and heart disease, adding that it would like to hear how "we can work together to improve healthcare for everyone."
mikeon88 時間: 2018-1-31 08:37
mikeon88 時間: 2018-1-31 13:35
duwa 時間: 2018-2-1 11:53
學名藥(小分子)價格就慘了，這三巨頭就是要吃這一塊，所以可能競爭的醫保(例如UNH vs 波克夏)+可能競爭的信貸(例如現在藥房的信用卡業務 vs JPM)+可能競爭的物流(例如CVS vs AMZN)就會受到影響，但是三巨頭也沒辦法一跳下來就全吃，更何況三巨頭利益不一定一致，未來很不確定，說不定只是政策背書...
mikeon88 時間: 2018-2-1 12:43
通路的利潤率是低的，ESRX 3Q7 營利率才6%不到，
UNH 4Q17 營利率8%不到
AMZN 3Q17 營利率 1%不到
duwa 時間: 2018-2-1 16:33
mikeon88 時間: 2018-2-1 17:24
mikeon88 時間: 2018-2-1 19:07
亞馬遜用管理雜貨Just-in-time的方式在管理食物類存貨，造成Whole Food 架上大缺貨
'Seeing someone cry at work is becoming normal': Employees say Whole Foods is using 'scorecards' to punish them
Whole Foods uses checklists called "scorecards" and tests called "walks" to ensure stores comply with a new inventory-management system.
Employees say the system has crushed morale and led to widespread food shortages.
"The stress has created such a tense working environment," a supervisor at a West Coast Whole Foods store said. "Seeing someone cry at work is becoming normal."
Many employees at both the corporate and the store levels don't understand how OTS works, employees said.
chousirbuy 時間: 2018-2-1 22:17
反正這塊這麼大, 不滿意現狀的民眾又那麼多, 那怕有一點點效果, 都是正面的
[ 本帖最後由 chousirbuy 於 2018-2-1 22:18 編輯 ]
chousirbuy 時間: 2018-2-1 22:28
david31408 時間: 2018-2-2 10:31
原帖由 chousirbuy 於 2018-2-1 22:17 發表
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 ...
baggiotsai 時間: 2018-2-2 11:31
Amazon 第四季財報 (2017) 18.56億 (2016)7.49億
mikeon88 時間: 2018-2-2 11:37
mikeon88 時間: 2018-2-13 09:33
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%.
Raimu 時間: 2018-2-13 11:59
Curry 時間: 2018-2-13 12:38
mikeon88 時間: 2018-2-13 17:39
mikeon88 時間: 2018-2-13 21:16
mikeon88 時間: 2018-2-15 15:12
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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Jamie Dimon is fed up with the way America does healthcare.
- 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.
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.
mikeon88 時間: 2018-2-15 15:15
Business Insider 記者訪問JPM老闆談三巨頭合組公司，
Curry 時間: 2018-2-15 15:33
Curry 時間: 2018-2-19 07:27
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.
Curry 時間: 2018-2-19 07:33
|歡迎光臨 巴菲特班 洪瑞泰 (Michael On) (http://mikeon88.freebbs.tw/)
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