'Machine learning' helps insurers but a way off replacing humans yet

While 'machine learning' and big data analytics may provide the health system with increased investment and improved care, the innovative technology will not replace the role of clinicians in healthcare. The advantages of implementing machine learning are countless, including combined health risk assessments and analytics of care, but the technological solutions must be used in conjunction with actual physician care to ensure a comprehensive healthcare strategy.

Both health insurers and employers have a stake in driving down healthcare costs for their member populations. Increasingly, businesses are turning to payers to design wellness programs to aid in the effort.

But it's not as simple as handing out activity trackers or launching a member wellness portal. Every company is different and there are many ways to measure success.

FierceHealthPayer spoke to three health insurance executives to find out how they're designing wellness programs--and how they're demonstrating their value to customers.