Business analytics, and particularly predictive modeling, provide the opportunity to be more intelligent about processes across a host of subject areas housed inside a typical health plan. By far the most common place to find predictive modeling solutions is in the field of health management. One of the simple ways an organization can use predictive modeling in new ways for health management is to change the target of what is being predicted. Instead of predicting costs, program management teams can create predictions around behavior that is targeted toward the program in question. Health management activities are not the only areas that can benefit from an infusion of predictive analytics. Professionals responsible for underwriting and actuarial activities inside health plans are also prime beneficiaries. With all of these potential benefits available for predictive modeling across organizations, smart organizations invest in the creation of enterprise centers of excellence related to advanced analytics.