Are we approaching the "401(k) moment" of health insurance?

We're joined by Chris Ellis, co-founder and CEO of Thatch, a platform that helps employers offer personalized healthcare experiences to employees using Individual Coverage Health Reimbursement Arrangements (ICHRAs) .

Ellis explains how his team of fintech veterans is leveraging ICHRAs to decouple benefits from the employer-chosen model, allowing employees to use tax-free stipends to purchase plans that fit their lives. By making coverage personal rather than corporate, Thatch is shifting the industry's focus from short-term ROI to long-term prevention and healthcare portability.

When individuals have the power to choose, Ellis notes, local health systems can finally compete on quality and efficiency through curated care pathways, finally creating a substrate for the high-value, cost-effective healthcare outcomes the industry has long promised.

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