Yeah, I tend to agree with you. But at the same time, none of the existing insurance companies have good enough analytics to handle this well. The thought is th

Yeah, I tend to agree with you. But at the same time, none of the existing insurance companies have good enough analytics to handle this well. The thought is that "maybe Oscar can find a better way? Or at the very least build a software platform we can license to other insurance companies..." My thought is that Oscar is ultimately a platform play; not an insurance company.