The document proposes establishing an interoperable "Healthcare Payments Hub" that would enable straight-through processing of healthcare financial transactions. It describes the opportunity for cost savings and efficiencies through such a hub. The document recommends forming a pilot program to test operational cost savings and improved efficiencies for stakeholders like healthcare providers, banks, and health plans. The pilot would create a prototype hub platform to streamline the transfer of electronic funds and associated remittance data between stakeholders.