Andreessen Horowitz August 27, 2024
The portion of healthcare spend covered directly by consumers has shot up in the last several years—as of 2022, total out-of-pocket healthcare expenditures reached $471 billion. As such, consumers are effectively a new class of payor. And a number of opportunities exist to build solutions for those consumers (aka these new “micro payors”) to fund, navigate, and manage their healthcare purchases.
What do we mean by “payor”
Let’s first define the scope of what we mean by “consumers as payors”—we’re referring to any use case in which a consumer is shopping a) with a known financial budget, b) against a universe of transparently priced goods and services.
This definition accommodates the scenarios in which the funding of the shopping budget...
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