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Virtue | Hypothesis - A New Actuarial Infrastructure Layer Is Emerging

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Healthcare risk is either mispriced or unpriced. We see opportunity for startups to build underwriting platforms that price risk more precisely and construct defensible moats as AI commoditizes other layers of the stack.

Virtue | Hypothesis - A New Actuarial Infrastructure Layer Is Emerging Writings Article Hypothesis - A New Actuarial Infrastructure Layer Is Emerging active Title Healthcare risk is mispriced in different ways depending on who's doing the pricing. In some cases, nobody's pricing the risk at all. PBMs pass pharmacy costs through to employers without guarantees and the employer absorbs all the volatility, while the PBM keeps the spread between what it charges and what it pays. Carriers and health plans price at the group or demographic level when actual risk varies by individual member, drug, or

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