Strategies for Promoting Health Care Consumerism

  • September 19, 2019
  • 1:00 PM – 2:00 PM ET
  • Online

Several years into the “grand consumerism experiment,” employers continue to express concern over the never-ending cycle of rising health care costs. For years, employers had hoped that making employees “consumers” would result in higher quality and lower costs. But that hasn’t really happened. Employees are not shopping for health care like they would for other purchases. Why? Learn about the barriers preventing consumers from actively engaging and some new strategies to try.

The webinar will review a few different strategies that employers can use to help encourage better consumerism behavior – exploring plan design changes, new technology and services and educational tactics.

Attendees will learn:

  • What is consumerism and why is this a key focus area?
  • What’s been tried to date and why haven’t those strategies been as impactful
  • Explore four new strategies to help employees adopt more consumeristic behaviors
  • Review four key facilitators to assist with consumer engagement


Hope Manion
Chief Health & Welfare Actuary
Fidelity Benefits Consulting

Hope Manion is the Chief Health & Welfare Actuary for Fidelity Benefits Consulting. Hope joined Fidelity in August 2017 and is responsible for leading actuarial services and thought leadership within the Health & Welfare Practice. She also is responsible for leading client relationships focused on health & welfare consulting services. She works with organizations on the financial management of their health & welfare programs.
Hope has experience working with organizations on in various capacities, including as a lead health actuary, relationship manager, and executive sponsor. Hope has close to 20 years of experience in the employee benefits field.

Prior to joining Fidelity, Hope spent 11 years at Buck Consultants, where she held a variety of leadership positions including National OPEB Center of Excellence leader and Atlantic Regional Market Leader. Her final role at Buck was as Global Health Practice Leader, managing a portfolio of health and welfare related offerings across the US, Canada, and the UK.

Hope received her Bachelors of Business Administration in Actuarial Sciences from Temple University and graduated summa cum laude. She is a Fellow of the Society of Actuaries, a Fellow of the Conference of Consulting Actuaries, and member of the American Academy of Actuaries.

Begonya Klumb
Head of HSA
Fidelity Investments

Begonya Klumb is the Head of HSA for Fidelity Investments, where she manages the HSA business with more than $3 billion in assets in more than 800,000 health savings accounts. Prior to joining Fidelity in 2018, Begonya was the CEO of UBM Healthcare Services, a division of UMB Bank. Prior to this position, she held positions at UMB Financial Corporation as Chief Strategy Officer and Executive Vice President, Director of Financial Planning and Analysis, Director of Mergers and Acquisitions and Director of Corporate Strategy and Investor Relations.

Prior to joining UMB in June 2003, Klumb worked in New York doing investment banking with Citigroup, consulted with Deloitte in London, worked in Germany for the global manufacturing firm BOSCH, and spent the first years of her career working in the banking industry in Spain.

A native of Spain, Klumb studied economics at the University of Alicante. She completed a master’s degree in European Enterprise Management in England and Germany before heading to the US where she earned an M.B.A. at Yale University in 2003.
Begonya and her husband, Jason, and their two children live in Boston.

Nancy Emerson
Vice President, Health Care Thought Leadership
Fidelity Investments

Nancy is Vice President, Health Care Thought Leadership where she is responsible for helping to shape and define Fidelity’s point of view on health care and benefit trends. Nancy started with Fidelity in 2011 as a part of Fidelity’s Workplace Customer Experience team, helping the organization better understand and perfect customers’ experiences across a variety of products and services. Since that time, Nancy has held various roles where she has been responsible for designing and delivering employee experiences, making complex topics easier to engage with and understand.

Before joining Fidelity, Nancy worked as an HR strategy and change management consultant at Buck Consultants, where she focused on helping clients optimize and maximize their HR functions. Nancy also held various roles at Mellon Financial, in their total benefits outsourcing business and within the Dreyfus group.

Nancy has a B.S. in Management from Boston University and a M.A. in Education from Columbia University.

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