On-site clinics at retailers can create high-value, incentive-aligned care for workers, and pay for themselves by opening up services to the public as well. If the clinicians at those clinics are paid to keep people healthy, charge zero or low cost-sharing, and refer out to only high-performing specialists and directly-contracted acute care, employers can easily save double digits, avoid bankrupting enrollees with cost-sharing while delivering much better care. Walmart Health could be an important model. 

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