On-site employer health clinics. By the time Ed Krieger stumbled onto his idea for a consumer retail clinic in 1999, Jim Hummer had been running Whole Health Management for 12 years. He was one of the first to see the opportunity in helping self-insured employers bring their healthcare services "into the tent." Whole Health originated as an on-site health provider to the federal sector. Hummer purchased the business in 1987, renamed it in 1991, and by the time he sold Whole Health to Walgreens in March 2008, he was running 70 clinics for private-sector employers including Continental Airlines, Sprint, and Qualcomm. Whole Health is now part of Walgreens' Take Care Employer Solutions unit. Previously, Hummer founded IVY Medical Group, a large ambulatory care practice and was also involved with Simplicity Health Plans. Named regional Ernst & Young Entrepreneur Of The Year in 2008, Hummer now invests in healthcare startups through his firm, Luxemburg Capital.

"For entrepreneurs, my advice is to understand the economic forces that shape the healthcare industry.  In this understanding, [you] can identify levers that will create permanent and lasting improvements to the efficiency of the industry and the shape of competition within the industry."