Aligning for the Future We all agree healthcare is broken We get what we have designed (archaic model) Robert Groves MD Executive VP & CMO Banner|Aetna ©2017 Banner Health, Aetna Health Insurance Company and Aetna Health Plan Inc

Care and coverage together Your doctors In your neighborhood Focused on your well-being Paid to keep you healthy, instead of only when you are sick Deep clinical data Coverage Consumer-centric digital technology Insurance expertise A dedication to innovation Deep administrative data Care and coverage together Changing and aligning incentives Driven to help members achieve their health and wellness goals While improving quality and reducing cost Making it easy to access the right services, benefits and support Let’s talk more specially about the JV and what we bring to the table. 2

Personalization through analytics and automation Non-compliant, poor health Compliant, declining health Compliant, stable health Compliant, good/improving health Young, invincible Segment Gain insight into preferences and motivating forces Untapped; foundation for longitudinal product initiation and maturation Use targeted interventions to improve circumstances Activate further engagement and product channels Medical cost Nudge to initiate health improvement On aggregate, our data and analytics do enables us to be proactive and apply our resources where they are need most. Go through the builds Non-compliant is an opportunity for the MDCT to get involved and redefine health goals and get the member back on track Compliant but declining is where disease management and specific health related programs under the guidance of the PCP or care manager are utilized as part of the care plan Compliant and stable is a chance for us to engage via preventive measures and incentives (when we get there) Improving health – incentives would be key here along with digital tools to keep the member on the right track Young invincible is a great opportunity to really push the digital strategy as it aligns to this demographics Member state

Blockchain Innovation Model Care and Network Innovation Member Engagement Innovation Apps Bundle & Care Apps Provider Engagement Apps Clinical Engagement Apps PHR Consent Mgmt Rewards Member Engagement Apps Sponsor Engagement Apps Third Party Apps Blockchain Virtual Care Scheduling API Price Transp Single Bill and EOB Provider Search E-Clip Board Cognitive Layer Consumer Data Mart Claims EHRs

Thank you ©2017 Banner Health, Aetna Health Insurance Company and Aetna Health Plan Inc