Data on healthcare payments shows how drastically the healthcare payments landscape has shifted in recent years. Consumers have become decision-makers in healthcare who are sensitive to healthcare costs, and payers and providers are moving toward industry-standard, electronic transactions due to regulatory mandates and the need to reduce administrative costs. These changes present both challenges and opportunities to payers – to focus on the consumer and streamline processes to ultimately reduce costs. This white paper explores these challenges and opportunities, and discusses the risks, best practices and topics for consideration for payers as they evolve their processes, policies and offerings to accommodate for the changing industry.