Hmm. 1. Nice idea but the TVM is tiny because its healthcare adjacent and built upon the straw foundation of healthcare startups and their backers. This functi

Hmm. 1. Nice idea but the TVM is tiny because its healthcare adjacent and built upon the straw foundation of healthcare startups and their backers. This functionality isn’t needed for most and is impossible to build where it’s needed — specialty medicine. 2. The true opportunity in the healthcare tech space is capturing a piece of the actual transaction either upstream like CoverMyMeds (marketing dollars) or downstream like RelayHealth, Change (Rx dispensing) which is what Plaid is actually doing. Nowadays this means capturing a piece of the specialty market which is extremely difficult due to the complexity of specialty medications. 3. New people to US healthcare don’t understand that outside of price transparency, the biggest fundamental issues in healthcare are actually time to therapy and patients remaining on therapy which is impacted by things like authorizations, lack of therapeutic support, and of course price again. What does this mean? I as a patient have my data per HIPAA. It is easily transportable by myself or my providers however there isn’t a whole lot I can do with it for the reasons I mentioned above. This isn’t the same problem as Plaid where theres a huge market because there’s a ton of choice and utility for the end user and also for startups looking to simply process a financial transaction.