[mjamilkowski]

Hi Mark here - Just to be clear we are not using ROI, but rather clinical impact. The expectation being that the expense of encouraging better care through facilitating coordination, clinical teaming, and incentives addresses issues of access, transparency, and engagement/compliance. We are looking to change the healthcare experience from being confusing, disjointed, costly, and wasteful.

As for employer-based insurance, it is the market that more than 50% of all people get their insurance from currently [1]. Is it the best way to make sure people get access to care? No, its just a convenient way to pool risk, and there are significant tax and regulatory support structures in place to prop it up. No private enterprise is going to change this and it is unreasonable to expect that outside of massive political and regulatory changes. And when that revolution happens, our technology and infrastructure will be able to continue delivering the same positive benefits to the disaggregated community because quite frankly we are agnostic to whether 50,000 people are insured by us through 250 employers or as individuals - we are still treating the issues being faced by the people in the community.

[1] KFF Data https://bit.ly/3IFQkoB