ForwardLiving Partnership Program: A Strategic Alliance Between GoMo Health and Insurance Collaboration to Save Lives (ICSL) to Address Rising Chronic Illness in Younger Adults

A Strategic Alliance Between GoMo Health and Insurance Collaboration to Save Lives (ICSL) to Address Rising Chronic Illness in Younger Adults

Asbury Park, NJ, May 05, 2025: GoMo Health and Insurance Collaboration to Save Lives (ICSL) have announced a new strategic ForwardLiving Partnership program in response to a troubling rise in serious health conditions among increasingly younger adults. This initiative was created to help insurance companies and policyholders adapt to shifting health trends by delivering scalable, evidence-based programs for insurers that support longer, healthier lives by helping policyholders proactively manage chronic conditions through personalized digital health engagement.

Since the COVID-19 pandemic, the U.S. has seen a troubling shift in health trends with an increased number of adults in their 20s, 30s, and 40s developing chronic illnesses and cancers once primarily associated with older populations—including diabetes, cardiovascular disease, and hypertension. These conditions are leading to increased policyholder claims, earlier deaths, and greater financial risk across life, health, disability, and supplemental insurance lines.

According to the Centers for Disease Control and Prevention (CDC), 3 in 5 U.S. adults now live with a chronic condition, and 2 in 5 have two or more. The Journal of the American Medical Association (JAMA) Health Forum (2023) also reports that individuals who had COVID-19 face increased risk for long-term complications, especially cardiovascular and pulmonary disease.

ICSL discovered five trends driving mortality from CDC data: Cardiac and Circulatory, Neurological and Nervous System, Metabolic and Digestive, Cancer and External causes.

“The health trajectory of increasingly younger adults has changed dramatically since COVID-19,” said Bob Gold, Chief Behavioral Technologist at GoMo Health. “Our partnership with ICSL gives insurers a way to address this shift head-on—by supporting their members with programs designed to prevent illness, manage chronic disease, and ultimately extend healthy years of life.”

New workforce data uncovered by ICSL further illustrates this shift. According to the U.S. Bureau of Labor Statistics, the number of Americans in the labor force with a disability has reached record highs—growing from around 6.5 million before the pandemic to over 8.4 million by early 2024. This reinforces the need for better support tools to empower individuals living with chronic illnesses and disabilities to thrive in the workforce.

Through the ForwardLiving program, GoMo Health and ICSL are equipping insurance companies with scalable, customizable programs focused on prevention, behavioral and mental health support, and chronic condition management. These solutions integrate with existing plans and use behavioral science, remote monitoring, and ongoing engagement to reduce risk and improve outcomes for younger, high-risk populations.

“This is a critical time for our industry,” said Mitch Bagley, Board Member at ICSL, “Because of GoMo Health’s behavioral focus on health promotion and targeted risk mitigation, this partnership gives insurers a powerful tool to engage with members and improve health outcomes.”

“The GoMo Health holistic care integration for the conditions identified by ICSL—combined with personalized engagement based on behavioral science, and ability to scale–can help ICSL in its mission to save lives and reduce disability,” said Steve Cyboran, Product Team Leader and Actuarial Team Member at ICSL.

“Here in America, our health has been declining for the last several years; this partnership provides insurers with a wellness solution to help reverse this trend,” added Dr. Kate Hendricks, ICSL Medical Advisor and former CDC Medical Officer.

The partnership comes at a time when insurers are re-evaluating their approaches to risk management and customer engagement. The partnership is now being introduced to life, health, and supplemental insurance carriers seeking to adapt to the growing demands of chronic care management, early morbidity, and policyholder well-being.