This executive overview paper examines the many factors that are driving change in the healthcare industry.2 It covers the social determinants of health and introduces a smarter approach to care that enables healthcare providers to personalize programs, services and treatments based on a holistic view of the individual and the individual’s family. By intervening proactively to address the social determinants of health and with this smarter approach to care, the costs of healthcare can be curtailed or even reduced. The need for change Healthcare systems around the world are approaching a point of crisis. Expenditures and demand continue to increase and the ability to pay for and to support the current models are stretched to the limit. Healthcare today is characterized by a number of critical factors.