The days of the disengaged health consumer are numbered. Consumerization will transform healthcare systems, involving individuals as never before in the management of their own care.

For The Innovator’s Prescription coauthor Jason Hwang, the real solution to health-care costs lies in the business models that incumbent companies have not yet embraced — but can no longer ignore.

Isolated bare-bones sites have put insurers behind their competitors on the Web. To catch up and attract customers, insurers need to add features, secure screen space on high-traffic sites, and connect to offline channels.

While most U.S. companies have passed through their digital infancy, time is running out for critical decisions on mission, leadership, processes, structure, and talent.