I give you Beam. http://www.beam.dental/ http://www.beam.dental/ My understanding of the idea, which may be rubbish, runs as follows. 1. Find a way to identif

I give you Beam. http://www.beam.dental/ http://www.beam.dental/ My understanding of the idea, which may be rubbish, runs as follows. 1. Find a way to identify good risks - in this case regular teeth brushers, or occupants of a crack-house that share a toothbrush. 2. Hence, offer lower premiums to low-risk customers than those companies that charge an average premium to average-risk customers. 3. Get a few customers together and make sure the shareholders of the polyopoly dental insurance mammoths get wind that you are thieving their customers. Panic sets in among the incumbents. Innovation!! Drat!! 4. Get bought out for a Unicorn bill before you even pay a dental claim or cover your costs.