[togasystems]

After having spent the last 3 years in insurance with Allay trying to take on employer health insurance costs by making it easier for smaller groups to become self insured, I have found that the regulations are cumbersome but not huge blockers. The regulations are there to protect people and for the most part do that job correctly.

The hard part about this industry is that there is no single incumbent to disrupt, but thousand of very small businesses who have personal relationships with their clients. Also whereever you jump into the process, you have to deal with companies who do not value technology as much as the HN crowd would. These companies still print out PDFs and have automated very little of their business. No matter how fast you make your software, you are the behest of the companies below and above you in the chain.

If anybody wants to nerd out on the insurance industry, my contact is in my profile.

[pnathan]

> The hard part about this industry is that there is no single incumbent to disrupt, but thousand of very small businesses who have personal relationships with their clients. Also whereever you jump into the process, you have to deal with companies who do not value technology as much as the HN crowd would. These companies still print out PDFs and have automated very little of their business. No matter how fast you make your software, you are the behest of the companies below and above you in the chain.

Quoted for truth, as we used to say in forums long ago. This represents a non-trivial issue in delivering solutions.