Reed Abelson

April 15, 2010, New York Times — This could be one glimpse of the future of health insurance.

The UnitedHealth Group, one of the nation’s largest health insurers, is teaming up with the Y.M.C.A. and retail pharmacies to try a new approach to one of the nation’s most serious and expensive medical problems: Type 2 diabetes.

Rather than simply continuing to pay ever-higher medical claims to care for its diabetic customers, UnitedHealth is paying the Y.M.C.A. and pharmacists to keep people healthier. The result, they hope, will be lower costs and lower premiums for everyone.