As healthcare costs continue to climb— with employers anticipating a 9.5% increase in premiums in 2026 alone—self-insured Employee Health Plans (EHPs) are emerging as a strategic solution at the intersection of healthcare provision and insurance. By assuming financial risk directly, employers and health systems gain greater control over costs, enhanced access to actionable data, and the flexibility to design high-value benefit structures that prioritize preventive, coordinated, and cost-efficient care. For health systems in particular, self-insured EHPs offer a unique dual advantage: improving internal profitability through disciplined population health management while simultaneously serving as a real-world innovation lab for value-based care models. When thoughtfully designed with aligned incentives, high-performance networks, and strong member engagement strategies, EHPs can reduce medical spend, improve outcomes, and create scalable opportunities for long-term financial and strategic growth.

Maureen A. O’Mara, MBA, BSN, RN, CCM, is a seasoned healthcare executive and consultant with over four decades of expertise in transforming healthcare operations, improving patient outcomes, and driving compliance excellence. Known for her results-oriented leadership and innovative approach, Maureen has successfully led initiatives that enhanced quality metrics, reduced operational costs, and elevated organizational performance. With a deep understanding of case management, medical management, and analytics, she has consistently delivered strategic solutions that align clinical goals with business objectives. An advocate for continuous improvement, Maureen remains dedicated to advancing healthcare innovation and supporting organizations in achieving impactful results.

Nancy Hess is a highly accomplished senior healthcare executive and strategic consultant with over 25 years of experience driving innovation and growth across the healthcare sector. As Chief Commercial Officer at Spiras Health, she leads transformative strategies for Medicare Advantage plans, Medicaid, ACOs, and value-based care organizations, fostering market leadership through innovative solutions and C-Suite engagement. Known for her expertise in value-based care, consumer engagement, and provider optimization, Nancy has consistently delivered exceptional results, including managing portfolios exceeding $1.5 billion and achieving 40% annual revenue growth at Optum. A dedicated leader and community advocate, she also serves as Vice President of Membership for the Chicago Symphony Orchestra Women’s Board, championing arts and education initiatives.