Julie You, a general partner at Andreessen Horowitz focused on healthcare technology, and David Haber, a fintech expert and founder of Bond Street, explore the intersection of healthcare and finance. They dive into the troubling state of American healthcare, discussing rising medical debt and systemic inefficiencies. Both highlight innovative fintech solutions that could reshape the healthcare payment landscape, improve transparency, and ease patient burdens. Legislative changes like the 'No Surprises Act' are also examined for their potential impact on consumer experiences.
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insights INSIGHT
Healthcare System Stakeholders
The US healthcare system's core stakeholders are providers, payers (insurance/government), and patients.
This separation creates misaligned incentives, driving irrational behaviors and surprise bills.
insights INSIGHT
US Healthcare Spending vs. Outcomes
The US spends $4.3 trillion yearly on healthcare, nearly 20% of GDP, yet outcomes are worsening.
Administrative waste consumes about a third of every dollar collected by hospitals.
insights INSIGHT
Failing System
None of the three parties involved (hospitals, patients, or payers) truly benefit from the current US healthcare system.
Increasing medical debt, inefficient hospitals, and unpaid claims plague the system.
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Most people don’t need a reminder of the state of healthcare in America. But it’s not just the consumer that’s hurting. Medical debt is increasing, billions are lost in unpaid claims, hospitals are in the red, service prices can range up to 30x….
In this episode, a16z GPs Julie You and David Haber explain where the healthcare system breaks down and how the three party system — between payors, providers, and consumers — can be rethought through the lens of Fintech.
Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. For more details please see a16z.com/disclosures.
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