Elevance Health
Diamond Flex: A Next-Generation Commercial Health Plan
Redesigned commercial insurance from opaque, deductible-first to transparent, wallet-funded, and income-equitable — for one of America's largest health insurers.
- My role
- Guide & Relationship Lead
- Timeline
- Nov – Dec 2025
- Status
- Flex Wallet piloting with a national carrier partner in 2026
- People
- IDEO team across research, business design, and product strategy
- Elevance Health commercial plan and actuarial teams
The challenge
Commercial health insurance still runs on century-old conventions: opaque pricing, deductible-first design, and out-of-pocket structures that hit lower-income members hardest. Elevance asked us to break the model.
My role
Guide and relationship lead on the largest sprint in the Elevance Growth Studio program I originated.
The work
Research with 33+ members, employers, and brokers exposed pain points across enrollment, care-seeking, cost-sharing, and benefit utilization. The Diamond Flex Plan answered with three structural moves: a Universal Flex Wallet that funds members on Day 1, transparent Diamond Provider pricing, and income-adjusted out-of-pocket maximums.
The impact
Elevance is piloting the Flex Wallet concept with a national carrier partner in 2026 — a structural experiment in making commercial insurance more transparent and more equitable.