I feel bad saying this, but I'm inclined to agree. Part of the value prop with mid-large businesses subsidizing healthcare is the ability to bargain collectively. Individuals can't do this, and just paying that employer contribution to individual subscribers for them to find their own healthcare plan will result in net-negative benefits year over year.
The more I think about this, the more this startup concerns me.
Let's not have yet another predictable flamewar about U.S. healthcare. It will just turn into the same flamewar as the other flamewars, which is something we try in general to avoid on this site. Meanwhile there's something specific to discuss about this startup's particular model, regardless of where one stands on the brokenness of the overall system.
https://hn.algolia.com/?dateRange=all&page=0&prefix=true&que...
Regrets if you view it as non-productive, but the comments are certainly intended to be (especially my latest one prior to this comment I'm posting now)
In most cases, an option like this is better than nothing, which the founder has already pointed out is a lot of their current base.
Right. And that's why I wish a startup like this would instead be focused on helping s-m businesses bargain for more rather than extract from less.