The tension point is the board of directors or judges or escrow auditing arbitrators: all centralized and libel to human foibles. Maybe a DAO with some sort of Proof-of-Need mechanism that is hard to game involving social, medical, and probability algorithm via anonymous ID check on a bitcoin blockchain-hardened DiFi tunnel.

Ankor is doing money insurance maybe parts of their model could work for health insurance? This is a huge juicy low hanging fruit for an industry begging for disintermediation. CrowdHealth is another potential model to emulate and improve upon. Let’s get it.