Launch HN: Evry Health (YC W18) – Better health insurance for companies
&gt; We believe the root cause is that the U.S. system is rife with misaligned incentives...<p>Involving &quot;employers&quot; is one of, if not the primary, root causes.  I understand you&#x27;re building a business, and ... you&#x27;re playing in the same space as others.  That may make sense financially, and allow you to take away from business from legacy insurers and save some companies 20% on existing costs.<p>But this doesn&#x27;t seem like it&#x27;s getting at the actual root problem, which is most people aren&#x27;t actually involved in buying or paying for medical care (or... not until it&#x27;s overwhelming).<p>I realize this is a national political issue, and not something a startup can actually address.  The large companies, which could affect real change, have no incentive to legislate themselves out of business.<p>This (employer-provided health insurance) seems a perpetually intractable problem and seemingly unique to the US (based on my limited understanding of the problem space).<p>As a self-employed person, I&#x27;m basically an outlier and generally get little day to day benefit from any &#x27;health insurance&#x27;.  I paid $900&#x2F;month (2 people) last year.  2nd covid shot caused a blackout, and I was ambulanced to an ER (I was actually only &#x27;out&#x27; for less than a minute, but in less than 5 I was being driven away).  3 hrs in ER - nothing obviously wrong, so I was released.  I got multiple bills over the next month for $4000.  Insurance company graciously &#x27;negotiated it down&#x27; so I only had to pay $2000, on top of the $11000 I already pay for this &#x27;deal&#x27;.