2 Comments
User's avatar
Dave's avatar

Thanks Namrata, great summary. On the employer sponsored side, it is further divided into 2 groups.

Fully insured: the employer pays a premium to a commercial insurance company to assume all medical expenses.

Administrative Service only: All medical expenses are paid by the employer and as commercial insurance company simply handles the paperwork with providers.

This matters because startups need to understand how to present their technology/service in terms of cost of care reduction for the employer or benefits to the employee.

Expand full comment
Namrata Rastogi's avatar

Brilliant! Thanks Dave!

Expand full comment