Launch HN: Savvy (YC W20) – Give employees tax-free cash for health insurance
Congrats!
How do you handle discrimination in your case?
I&#x27;ll give you an example: 50% of your employees are young and healthy and they opt out of the health plan offered and go with Savvy.
How do you handle the remaining 50%, assuming that some of them are older, have cancer, or have kids with disabilities, diabetics or whatever.
Would ANY health plan accept to cover only the sick and old? 
This is based a concept called mutualization.
I&#x27;ll be interested by your point of view, or if any of your clients came across cases like that?