The Disruptors, Part 1: DTC Insurance

Rather than trying to improve them, the most exciting health tech companies will ignore the parts of healthcare that have become obviously anachronistic, actively discarding convention. The seeds of this difference have been sown in a handful of companies started in the last few years. They are painstakingly taking relationships from incumbents, wi... See more

The consumer experience of shopping for healthcare coverage over the age of 65 is unacceptably complex and inefficient. I believe there is meaningful value to be captured for any business that can reduce that complexity and innovate on distribution.

This will change, and perhaps soon. Insurance companies make more money when they correctly identify an individual as a high risk. In any insurance market, if insurance companies can develop a substantial evaluation advantage over their competitors, they have the temptation to “cherry pick,” providing insurance only to those who are very unlikely t

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