Insurance Case Study Analysis 2 The market forces have influenced the need for integrated delivery systems by allowing more flexibility in the way payments are made and also allows for better financial planning when making health care needs. Some used to panic when they had to go to the emergency room and panicked about the bill that would be received. With the use and partnership of insurance companies, whether government-assisted medical programs, individual insurance paid by the pavee, or employer-based insurance, this allows more money to be paid upfront versus receiving