The Disruptors, Part 1: DTC Insurance

Fast forward to today, and a dizzying number of new and compelling care options for patients in new formats have hit the market. Novel payment models, rising healthcare costs, shifting financial responsibilities, a consumer preference for virtual-first experiences, and emerging market segments with new buyer dynamics have opened up new distribution... See more

Entrenched interests are tough to navigate, but I would say that this crisis is forcing every line item and service provider to be scrutinized and see exactly what they’re providing. Right now, every buyer in healthcare is trying figure out how their different healthcare service providers can help them in a remote-first way, and most of these compa... See more

Another way to disrupt this market is by selling insurance directly to the end user, like Next Insurance, Lemonade, Hedvig, and others do. Several startups, often working as Managing General Agents (MGAs), have gone to market with great brands to attract end users and grown impressively large businesses. Based on their reported growth and customer ... See more

Distribution — arguably the most important driver of failure or success in the fast-growing digital health domain — was historically a very steep hill to climb. Some of that was simply due to the overall immaturity of the market and its inability (or resistance) to absorb and pay for novel, technology-based products that didn’t slot easily into exi... See more

With an influx of people who are uninsured, under-insured, or on Medicaid, there is new opportunity for low-cost, direct to consumer healthcare services, especially for low-acuity conditions.