In this episode, GPs Julie Yoo and David Haber explain where the healthcare system breaks down and how the three party system—between payers, providers, and consumers—can be rethought through the lens of fintech. 00:00 - Introduction 02:50 - The intersection of healthcare and Fintech 05:40 - The problems within US healthcare 08:58 - The stats behind US healthcare 12:05 - Where do the problems stem from in healthcare? 15:45 - New unlocks and regulatory changes 17:55 - Pushback on regulations 19:57 - Provider and patient models and transparency 21:40 - The ‘No Surprises Act’ and the ‘Cures Act’ 23:55 - Applying fintech infrastructure to healthcare 26:45 - Example: how Juniper in embedding fintech in healthcare 30:44 - Opportunities in the healthcare/fintech market 33:43 - Payvidors unbundled 35:50 - The financial operating system for healthcare 38:23 - How founders can approach the problems 39:27 - The investor standpoint on company opportunities 41:50 - Unsolved problems in the market 46:48- The bridge between start-ups and incumbents 48:40 - Healthcare incumbent stats 50:20 - The window of opportunity for healthcare and fintech Resources: * Link to microsite on Healthcare Meets Fintech: https://a16z.com/healthcare-meets-fintech * Read the article ‘Healthtech x Fintech’s Biggest Prize: The Financial Operating System for Healthcare: https://a16z.com/2023/02/07/healthtech-x-fintechs-biggest-prize/ * Read the article ‘ Payvidors, Unbundled: Opportunities in Healthcare Fintech’:https://a16z.com/2022/06/01/payvidors-unbundled-opportunities-in-healthcare-fintech/ * Find Julie on Twitter :https://twitter.com/julesyoo * Find David on Twitter: https://twitter.com/dhaber Stay Updated: Find a16z on Twitter: https://twitter.com/a16z Find a16z on LinkedIn: https://www.linkedin.com/company/a16z Subscribe on your favorite podcast app: https://a16z.simplecast.com/ Follow our host: https://twitter.com/stephsmithio Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. For more details please see a16z.com/disclosures.