To maximize its ability to meet members’ healthcare needs, Blue Cross Blue Shield of Massachusetts (BCBSMA) is a careful steward of the premium dollar. Nearly 90 percent of every premium dollar received is used to pay the medical expenses of its members – which means that operational costs must be kept to 10 percent or less. Achieving this target requires a detailed understanding of cost and risk in all areas of the business, creating a significant demand for business analytics. BCBSMA has combined IBM Cognos Business Intelligence with an IBM Netezza data warehouse appliance to provide lightning-fast analysis of medical and financial data. The solution is used to create sophisticated reports on clinical and financial risk, operational efficiency, and helps to identify opportunities for strategic and competitive advantage.