> What would be the point of a health insurance startup? It's just a risk pool. You get cancer, it costs (let's say) 3 million. He doesn't, risk, 1.5 million.

> What would be the point of a health insurance startup? It's just a risk pool. You get cancer, it costs (let's say) 3 million. He doesn't, risk, 1.5 million. To start with, they would have lower costs of executive pay than entrenched players. A startup can disrupt with operational costs. Later they can negotiate better prices with providers, source cheaper drugs from around the world, use technology more efficiently. There is so much room to do something here, if the regulatory burden were low.