*Please note that mugs are limited, so start referring ASAP! All 5 colleagues must register for the conference. Cartoons and mugs will be sent to qualifying attendees after the conference.

Hugh O’Toole



As Chief Executive Officer of Innovu, Hugh O’Toole is changing advisor/consultant practice models from their siloed focus on Health & Welfare, Retirement and Property & Casualty, to a model focused on holistic Human Capital Risk Management. He understands that the world of retirement services and benefits can be complicated. Disrupting the 401(k) and benefit industries using employee data.Hugh has dedicated his career to aligning the financial wellness of American employees with the positive impact their wellness has on the financial statement of their employers. With leading capabilities in data aggregation, data science/analytics and behavioral finance, the industry can have a much greater impact with the convergence of data and benefit disciplines versus a myopic view.In 2014, he founded Viability AG LLC, to address the relationship between financially well employees and the impact on the employer’s financial statement, through mitigating the future liability from healthcare, risk protection/management, productivity and engagement of their employees. In 2015, Viability was purchased by MassMutual, and he once again joined the MassMutual team as a Senior Vice President.His first mission was to bring non-profit employers and their employees institutional investment product, versus the legacy insurance products historically sold to them. As a partner of Professional Pensions, Inc. (PPI), we accomplished this mission and the firm grew rapidly. Principal Financial Group purchased PPI in 1999.Outside of work, Hugh enjoys kayaking, hiking, playing golf, and traveling with his family. He is very involved in his church and community.

Speaker Questionnaire
What is the biggest thing you learned in 2020?

What do you feel are the two most important benefits or areas that need to be a top priority in 2021?

Can you share a story on an area of your healthcare program or employee benefits where you were able to create significant savings or stop costs from rising?

If you could automatically receive a 10-20% reduction in costs in three areas/programs, what would your dream list be?

What is the most innovative program you will focus on in 2021 and/or 2022?

How are you re-imagining corporate culture & well-being?

What virtual care solutions did you roll out during the pandemic? How valuable were they and why?

If you look at our 3 Moonshots - Costs, Culture, and Care; In one sentence, tell us what would be something positive for us to take from 2020 and bring into this new year?

What are your top priorities for employee health and well-being in 2022?

Start revolutionizing the delivery system for healthcare. This will be achieve through transparency and disclosure. 2. Using transparent data and a procurement process to hold the entire delivery system accountable. 3. Look for any possible way to reduce expenses to the plan sponsor and participant while improving outcomes.

What are the most innovative programs that you will focus on in 2022 and 2023?

Primary care navigation. 2. Total transparency in pharmacy. 3. Business model change in advice/consulting from product sales to assisting the employer/plan sponsor in meeting a fiduciary standard.

Looking at our three moonshots surrounding costs, culture, and care, which do you align with the most? What are you doing in this area?

Our data would support the total connectivity between delivery of high-quality care in reducing cost.

If you could automatically receive a 25% reduction in costs in three areas/programs, what would your dream list be?

Pharmacy, the removal of wasteful drugs, consistency in the categorization of drugs and the continued escalation of specialty pharmacy. 2. The increase utilization of primary care for navigation, this would increase the cost of primary care but drastically reduce the cost of the more expensive fee for service specialty care. 3. Accountability through data/process of every aspect of the delivery system.

Is there an area where you were able to either create savings or stop costs from rising?

Pharmacy, every aspect of pharmacy. 2. Increase adherence to clinical standards for all chronic conditions. 3. Reduce administrative errors and adherence with standards.

Are you doing anything to reimagine corporate culture and wellbeing?

Using data to right size benefit plans using actual utilization of the member and their family. 2. Looking at the Social Determinants of Health (SDoH) and a complete picture of human capital risk management (Med/Rx, Workers Compensation, Retirement) to understand employee population and how risk is presenting itself to employers.

If there were two physical solutions that could be turned into virtual or remote care instead, what would those be?

Mental Health comes to mind as it has become more socially acceptable. A lot of good can come from a conversation and the ability to address stressors and or high tension moments as they occur. Digital technology provides scalability so more people in need can have access. 2. Physical Therapy in another opportunity. In my mind, if a patient doesn't need specific equipment, Physical Therapy is about accountability and consistency. A digital medium allows Physical Therapists to watch and provide feedback to patients in a more consistent form.

If you look at our 3 Moonshots - Costs, Culture, and Care; In one sentence, tell us what would be something positive for us to take from 2020 and bring into this new year?

Sessions Speaking

Data Analytics and Transparency – The Future of Healthcare and Benefits

April 28, 2022
10:00 am
10:50 am

This session will examine how certain organizations are crushing it by remaining lightyears ahead of how they are using data to cut costs, get better outcomes, and make quick changes in ways never before thought possible. Learn how technology is transforming access, utilization, transparency, and costs.

View session details


1 Conference. 3 Moonshots.

Remember the mission to reach the moon? In 1962, President JFK set forth a vision. He initiated a movement that outlived him! Even in his death, the mission was accomplished seven years after his famous speech. Now we’re on a five-year mission, and it's not about us. This is a mission for you – the individual, the stakeholder, the employer healthcare and benefits professional. Join the mission to reduce costs, reimagine culture, and reinvent care.


Moonshot #1​

Reduce employer healthcare and benefits costs by 25% by 2025.​



Moonshot #2​

Reimagine engagement and well-being.



Moonshot #3

Provide 40% of healthcare services virtually and through technology by 2025.​


No Admission Fee!

Participate from your office with a mask...or home without one!

Join us for the 13th HEALTHCARE ЯEVOLUTION®