novel_healthcare_system_innovations.pptx

We keep trying to fix healthcare at the point of crisis — after the diagnosis, after the complication, after the emergency. But most healthcare costs don’t come from biology alone. They come from the financial architecture wrapped around care: PBMs, billing layers, coding games, facility fees, a...

We keep trying to fix healthcare at the point of crisis — after the diagnosis, after the complication, after the emergency. But most healthcare costs don’t come from biology alone. They come from the financial architecture wrapped around care: PBMs, billing layers, coding games, facility fees, and insurance being used for predictable events instead of true uncertainty.

What happens when we change the structure itself? When routine and ongoing care is transparent, bundled, and pre-priced, and insurance is reserved only for what is actually unpredictable and catastrophic? Costs stabilize. Premium inflation slows. Patients know what they’ll pay. And physicians return to practicing medicine instead of revenue defense.

The breakthrough comes from modeling risk dynamically — not as “healthy vs. sick,” but as stable, shifting, or deteriorating over time. By detecting early drift in health, we can intervene before crisis — which is better for patients and significantly cheaper for the system. Prevention becomes a form of capital, something we invest in because it yields measurable financial and human return.

This isn’t theory — it’s a payment architecture we can start building now. And the more conversations like this we have, the faster the shift becomes real.