Your employer picks your health insurance and you live with it. For the first time in decades, this $1T market is opening up. Why now? Three things are happening simultaneously: 1. Premiums keep rising, making employers want to shop for alternatives 2. DTC care raised consumer expectations, AI-native care is raising them more 3. AI is lowering the cost and complexity of building and operating a health plan Health plans have to compete again. A market that's long felt impenetrable is now addressable for startups. a16z’s @julesyoo on the generational replacement cycle in commercial health insurance: https://www.a16z.news/p/the-great-health-plan-replacement(a16z)