Josh Kushner

And the ability to be exposed to so many extraordinary founders by being a part of Thrive has enabled me to be a much better founder myself. But as a firm, we have definitely created a culture of building. We're building Thrive. Thrive is a product. We just happen to invest in other companies. And our ambition is to be the most meaningful partner to our founders.

And the ability to be exposed to so many extraordinary founders by being a part of Thrive has enabled me to be a much better founder myself. But as a firm, we have definitely created a culture of building. We're building Thrive. Thrive is a product. We just happen to invest in other companies. And our ambition is to be the most meaningful partner to our founders.

And we need to constantly iterate and tinker in terms of ways in which we can do that. But also every single person on the investment team in some respects is building. And I think that gives them a true appreciation of the founder struggle and the entrepreneur struggle.

And we need to constantly iterate and tinker in terms of ways in which we can do that. But also every single person on the investment team in some respects is building. And I think that gives them a true appreciation of the founder struggle and the entrepreneur struggle.

I broke my ankle playing basketball. I went to the hospital, went through the traditional experience. But I remember getting home and getting my insurance bill and realizing that I had absolutely no idea what it meant. I had just started Thrive, and I didn't know what my benefits were, what doctors or hospitals I had access to, how to pay a claim. I said to myself, how is it...

I broke my ankle playing basketball. I went to the hospital, went through the traditional experience. But I remember getting home and getting my insurance bill and realizing that I had absolutely no idea what it meant. I had just started Thrive, and I didn't know what my benefits were, what doctors or hospitals I had access to, how to pay a claim. I said to myself, how is it...

that the internet and software and data and design are transforming every single industry around us. There's this relationship that is so fundamentally important to so many people in the country, both from a human perspective, but also from a financial perspective.

that the internet and software and data and design are transforming every single industry around us. There's this relationship that is so fundamentally important to so many people in the country, both from a human perspective, but also from a financial perspective.

And what would be the way in which we can take this relationship and make it simple and transparent and understandable through technology, data, and design? When I had thought about this idea, the Affordable Care Act was just being introduced. And the reason why this was so exciting was because healthcare had traditionally been sold in a B2B capacity.

And what would be the way in which we can take this relationship and make it simple and transparent and understandable through technology, data, and design? When I had thought about this idea, the Affordable Care Act was just being introduced. And the reason why this was so exciting was because healthcare had traditionally been sold in a B2B capacity.

People were not making decisions for themselves. And the Affordable Care Act was taking the largest industry in our country, which represents a little less than 20% of GDP, and transforming it from B2B to B2C. And when people can actually make decisions for themselves, they usually choose the product that has the perfect combination of cost and quality.

People were not making decisions for themselves. And the Affordable Care Act was taking the largest industry in our country, which represents a little less than 20% of GDP, and transforming it from B2B to B2C. And when people can actually make decisions for themselves, they usually choose the product that has the perfect combination of cost and quality.

And there are so many examples of consumer choice transforming industries. That could be the shift from businesses giving their employees Blackberries to employees choosing iPhones for themselves, or defined benefit moving to defined contribution through 401k.

And there are so many examples of consumer choice transforming industries. That could be the shift from businesses giving their employees Blackberries to employees choosing iPhones for themselves, or defined benefit moving to defined contribution through 401k.

And I think as a result of this new market being created, where there are so many people flooding to the market at the same time, the barriers to entry, which had traditionally been so high in a world in which there's probably a trillion dollars of enterprise value, were lowered at one moment. And there was just one moment where a new brand could be created to create trust for consumers.

And I think as a result of this new market being created, where there are so many people flooding to the market at the same time, the barriers to entry, which had traditionally been so high in a world in which there's probably a trillion dollars of enterprise value, were lowered at one moment. And there was just one moment where a new brand could be created to create trust for consumers.

Almost at the exact time that I had this poor consumer experience, Mario, who is my co-founder at Vostu, had his first kid and he equally had a terrible experience. And I remember calling him and saying, Mario, I really think that there needs to be a new type of health insurance company. He agreed, got together. We both read the Affordable Care Act over a weekend, which is light reading.

Almost at the exact time that I had this poor consumer experience, Mario, who is my co-founder at Vostu, had his first kid and he equally had a terrible experience. And I remember calling him and saying, Mario, I really think that there needs to be a new type of health insurance company. He agreed, got together. We both read the Affordable Care Act over a weekend, which is light reading.

And we got going and the experience has been extraordinary.

And we got going and the experience has been extraordinary.