Mark Bertolini
👤 SpeakerAppearances Over Time
Podcast Appearances
We need to eliminate employer sponsored insurance.
If I could draft in the smartest skeptics or the ones that least wanted to have that outcome, other than obviously incumbency where businesses benefit from this or something, are there smart critics that would disagree with you?
And if so, how?
Maybe you can describe the state of the union of Oscar today.
For those that aren't familiar with the business, I think people know like the very broad, broad strokes, but give us just a high level summary of what the business is and looks like.
And then we'll talk about, you know, directions that we'll go.
That's a great example.
Maybe use the diabetic plan as an example of the flow of funds and how it all works.
If I think about the economics of that product specifically, it's a great example to explain a complicated system around one patient.
And so if you think about the idealized version of this business, not serving 2 million, but 20 million customers or more, what does it look like in the ways that are the most different from how it looks today?
Is it fair to summarize it as the journey to a reformed health care system, subinflation, cost growth, which I'm sure everyone would want to sign up for, will be the result of personalization and efficiency?
And that's the style of plan and personalization and AI and other tools on the efficiency side, that those are the two major levers?
If you do a pre-mortem on this attempt to make this $2 million into $120 million, and I say you just have to assume that it doesn't work, what do you think the most likely reasons are that it won't work at Oscars specifically?
I like this concept of the battlegrounds or competitive frontiers within a given industry.
Oscar is fighting other people that are offering other things, incumbent solutions, all this kind of stuff.
What are the competitive frontiers?
What are the places that you win and lose versus others today?
We only have 2 million people.
What does that mean to you?
What does it mean to you to be an iconoclast?