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-- 11.3500 How do we invest to deal with Frustration with American health insurance？
Luigi brought frustration with American health insurance back into the mainstream. $UnitedHealth (UNH.US)$
He reminds us how badly reform is needed. As an investor, I’ve been wondering if there’s a way to put my money where my values are.
I did some digging, and it turns out there are a few companies out there innovating and showing genuine care for patients.
These aren’t the household names yet, but they’re working on solutions that could potentially shake things up in a broken system.
Here’s a list of small-cap healthcare and insurance companies with a focus on innovation and human-centered care:
1. Oak Street Health
● Focus: Transforming primary care for Medicare patients.
● Why it stands out: They prioritize preventive care and patient wellness rather than reactive treatment. Their model saves costs for patients and the healthcare system by keeping people healthy.
● Caveat: They’re still growing and reliant on Medicare reimbursements, so long-term profitability could be tricky.
● Focus: Making prescription medications affordable.
● Why it stands out: They help people find the best prices for their meds and negotiate discounts. Unlike big insurers, they seem to actually care about cutting costs for everyday people.
● Caveat: Their revenue relies on a competitive pricing system, which isn’t immune to disruption.
● Focus: Value-based care for insurers and providers.
● Why it stands out: They focus on delivering better outcomes for patients while reducing waste and costs for payers. Their tech-driven approach makes healthcare more efficient and accessible.
● Caveat: Their partnerships and contracts make them dependent on other big players.
● Focus: Telemedicine and virtual healthcare services.
● Why it stands out: They’re making healthcare accessible to people in remote areas or those with mobility challenges. Virtual consultations can save time, money, and resources.
● Caveat: Post-COVID, they’ve struggled to maintain growth momentum.
● Focus: AI-powered insurance solutions and risk management.
● Why it stands out: AIX leverages advanced AI technology to revolutionize the insurance industry by optimizing underwriting processes, providing highly personalized coverage plans, and improving claim settlement efficiency. Their focus is on reducing fraud, enhancing customer experience, and streamlining operations to benefit both policyholders and insurers.
● Caveat: Like many AI-driven companies, AIX faces challenges such as navigating complex regulatory environments and addressing data privacy concerns, which could impact their scalability and adoption.
● Focus: Medicare Advantage plans with a focus on holistic care.
● Why it stands out: They’re trying to shift toward value-based care models, aiming to improve patient outcomes instead of just processing claims.
Investing in these companies is more than just a financial decision—it’s a small step toward voting with our dollars. If we want healthcare reform, we can’t ignore the companies actually working toward solutions.
Of course, no company is perfect, and profitability is still a driver for all public companies. But these are some names that stand out as trying to balance profits with purpose.
What do you think? Are there other companies out there trying to change the game?
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
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ProperMicheleV : I like the way you're thinking. thanks for the information. I've worked for value based care organizations & I'm not sure if VBC is the answer. I believe the answer to reducing health care costs starts with farm subsidies. most of the patients I work with are people of color who have been economically marginalized for generations. they have to buy shitty cheap food to feed the family. mostly corn based products bc corn is heavily subsidized. diabetes, chronic kidney disease, hypertension, chronic heart failure, the list goes on. polychronic conditions are the new normal & companies like uhc love that. Just remember we are all in this together. I'm happy to make less money trading if it means my fellow humans are well.