I’ve read your comments and I can you’ve got a lot of insight into this…

At first, I wanted to argue with you like everyone else but I think you make a good point about the high deductible or uninsured group.

I think there are surprising amount of people who could pay a reasonable fee to (20-40% of savings) to avoid excess spending — but they have lower deductible policies with an out of pocket max.

My deductible is $1500 and my out of pocket max is $4000. I’m fortunate enough to be able to pay the max if I needed to (fingers crossed any accident happens at the beginning of the year) but I don’t have the incentive to fight over billing because insurance will kick in.

I think there are 2 problems: target market and really high specialized labor costs for investigation. I think you could bring down labor costs with a really good tech system (machine learning maybe) but that would require investment.

It’s tough.