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It has pivoted from what I originally started building at evryca.com.
Some years ago I got the idea of fractal conversation, instead of old-school tree/ladder-like comments. \nI wanted to see only comments related to the current level.
I started making "something" with fractal comments. This "something" was a project discussion platform. But it turned out that even I myself don't use it, and the idea of fractal comments stuck there unused.
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I'm trying to make it flawless and add keyboard shortcuts where it's possible (Ctr+Enter to submit idea, drag-and-drop to rearrange, Esc to jump level up).
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Some years ago I got the idea of fractal conversation, instead of old-school tree/ladder-like comments. \nI wanted to see only comments related to the current level.
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I'm trying to make it flawless and add keyboard shortcuts where it's possible (Ctr+Enter to submit idea, drag-and-drop to rearrange, Esc to jump level up).
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Foibles","updated_at":"2024-09-19T19:06:29Z","url":"http://johnbender.us/2012/11/27/math-envy-and-coffeescripts-foibles/"},{"_highlightResult":{"author":{"matchLevel":"none","matchedWords":[],"value":"aquaphile"},"story_text":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"Hello Hacker News! Mark, Jay and I are the cofounders of Evry Health (https://evryhealth.com). We are a full-stack health insurance company that reduces premiums by up to 20% for companies while improving the health and wellness of their employees.
People and media constantly talk about the problems in our healthcare system: prices are too high; premiums are rising faster than household income; health outcomes are lower than the rest of the developed world; mental health coverage is inadequate; and the lack of transparency and accessibility creates confusion for us all. All these are real problems, but they\u2019re symptoms rather than root causes.
We believe the root cause is that the U.S. system is rife with misaligned incentives. For example, the fee-for-service structure incentivizes overuse and volume-based billing, rather than health. Thirty-five cents of every dollar spent goes to clinical waste, unnecessary services, administrative bloat, or fraud. (We could give footnotes, but doubt anyone needs convincing.)
We\u2019re building Evry to realign incentives for mutual benefit. Our primary plan is an EPO (Exclusive Provider Organization), which is like an HMO, except you don\u2019t have to choose a primary care physician and you don\u2019t need a referral to see a specialist. We have no deductibles, almost no copays, and benefits that exceed the best plans from legacy insurers. \nWe pay most doctors and hospitals based on patient outcomes, not fee-for-service. Telehealth is available for free 24/7. Members receive a customized care plan that provides additional resources and offers cash incentives on a debit card. All this is to remove barriers to care and improve the health of each member at no additional cost.
On top of that, we reduce premiums by up to 20% for employers. We can do this because we are a software company that owns an insurance carrier. We automate roughly half the tasks involved with claims, care coordination, underwriting and back-office operations.\nWe aggregate data from disparate sources (claims, clinical, pharma, lab, and wellness data) to make superior decisions and aid patients. Our technology helps members identify and treat conditions earlier and more effectively. We also have a much better user experience\u2014a single portal to access telehealth, care concierge, claims data, wellness plan, doctor lookup, rewards card, etc.
The industry is still fundamentally basing prices on 1960s approaches to accounting (ChargeMaster pricing). 1980s tech and accounting "advanced" the dialog to Diagnostic Resource Group pricing. But insurers and hospitals alike are saddled with this decades old technology and pricing that obscures transparency, adds cost, and isn't tied to patient outcomes. There are software businesses that focus on translating ChargeMaster to DRG to the more recent idea of Reference-based pricing. That is not the way to use technology to improve health care! We\u2019re going much deeper.
The caveat is that so far, we only provide coverage to businesses with 100+ employees in Texas. We launched in our first market of Dallas Fort-Worth. That\u2019s our beachhead, and we\u2019re working on expanding into new states and markets (It takes a long time to get something like Evry off the ground\u2014there are large barriers to entry). Since half of Americans get health coverage through their employer, we\u2019re focused on companies to maximize impact.
We've built insurance, healthcare and fintech companies before. I founded the insurer that invented per-mile auto insurance ("Drive Less, Pay Less") and reduced premiums up to 50%. Mark (CFO) is a healthcare actuary with 30 years\u2019 experience ranging from Aetna to Managing Director in Big 4 consulting. Jay (COO) is a fintech veteran who started in healthcare working with large hospital systems. What inspired us to start Evry was that we lost friends and family to the terrible dysfunction in the healthcare system. We felt we had the skill sets needed to do something about the problems, and ultimately decided we had to.
There is a lack of innovation in this space, and many things being tried\u2014shifts to direct contracting, direct primary care, self-funded programs for individuals and SMBs\u2014do not address the root problems. They are temporary price-oriented solutions. These are a form of moving the ball between cups\u2014prices are better because coverage is impaired in hidden ways that the average person doesn\u2019t discover until it\u2019s too late.
There\u2019s also a strong debate, of course, about governmental reforms to U.S. health care. Many support Medicare For All (MFA) for good reasons. However, MFA on its own may not be enough to address clinical variation and some of the other root problems in the system. In any case, in the absence of government action, we believe private sector innovation can address some of our shared problems. We\u2019d be happy to discuss this, and the details of what we\u2019re doing, in the comments below. We\u2019d also like to hear about your own ideas!"},"title":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"Launch HN: Evry Health (YC W18) \u2013 Better health insurance for companies"},"url":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"https://www.evryhealth.com/"}},"_tags":["story","author_aquaphile","story_30528463","launch_hn"],"author":"aquaphile","children":[30528580,30528589,30528594,30528830,30528877,30529221,30529624,30530034,30530152,30530178,30530300,30531198,30531419,30531549,30531776,30532251,30532748,30537101,30537229,30539430,30539781,30545950],"created_at":"2022-03-02T15:33:56Z","created_at_i":1646235236,"num_comments":75,"objectID":"30528463","points":67,"story_id":30528463,"story_text":"Hello Hacker News! Mark, Jay and I are the cofounders of Evry Health (https://evryhealth.com). We are a full-stack health insurance company that reduces premiums by up to 20% for companies while improving the health and wellness of their employees.
People and media constantly talk about the problems in our healthcare system: prices are too high; premiums are rising faster than household income; health outcomes are lower than the rest of the developed world; mental health coverage is inadequate; and the lack of transparency and accessibility creates confusion for us all. All these are real problems, but they\u2019re symptoms rather than root causes.
We believe the root cause is that the U.S. system is rife with misaligned incentives. For example, the fee-for-service structure incentivizes overuse and volume-based billing, rather than health. Thirty-five cents of every dollar spent goes to clinical waste, unnecessary services, administrative bloat, or fraud. (We could give footnotes, but doubt anyone needs convincing.)
We\u2019re building Evry to realign incentives for mutual benefit. Our primary plan is an EPO (Exclusive Provider Organization), which is like an HMO, except you don\u2019t have to choose a primary care physician and you don\u2019t need a referral to see a specialist. We have no deductibles, almost no copays, and benefits that exceed the best plans from legacy insurers. \nWe pay most doctors and hospitals based on patient outcomes, not fee-for-service. Telehealth is available for free 24/7. Members receive a customized care plan that provides additional resources and offers cash incentives on a debit card. All this is to remove barriers to care and improve the health of each member at no additional cost.
On top of that, we reduce premiums by up to 20% for employers. We can do this because we are a software company that owns an insurance carrier. We automate roughly half the tasks involved with claims, care coordination, underwriting and back-office operations.\nWe aggregate data from disparate sources (claims, clinical, pharma, lab, and wellness data) to make superior decisions and aid patients. Our technology helps members identify and treat conditions earlier and more effectively. We also have a much better user experience\u2014a single portal to access telehealth, care concierge, claims data, wellness plan, doctor lookup, rewards card, etc.
The industry is still fundamentally basing prices on 1960s approaches to accounting (ChargeMaster pricing). 1980s tech and accounting "advanced" the dialog to Diagnostic Resource Group pricing. But insurers and hospitals alike are saddled with this decades old technology and pricing that obscures transparency, adds cost, and isn't tied to patient outcomes. There are software businesses that focus on translating ChargeMaster to DRG to the more recent idea of Reference-based pricing. That is not the way to use technology to improve health care! We\u2019re going much deeper.
The caveat is that so far, we only provide coverage to businesses with 100+ employees in Texas. We launched in our first market of Dallas Fort-Worth. That\u2019s our beachhead, and we\u2019re working on expanding into new states and markets (It takes a long time to get something like Evry off the ground\u2014there are large barriers to entry). Since half of Americans get health coverage through their employer, we\u2019re focused on companies to maximize impact.
We've built insurance, healthcare and fintech companies before. I founded the insurer that invented per-mile auto insurance ("Drive Less, Pay Less") and reduced premiums up to 50%. Mark (CFO) is a healthcare actuary with 30 years\u2019 experience ranging from Aetna to Managing Director in Big 4 consulting. Jay (COO) is a fintech veteran who started in healthcare working with large hospital systems. What inspired us to start Evry was that we lost friends and family to the terrible dysfunction in the healthcare system. We felt we had the skill sets needed to do something about the problems, and ultimately decided we had to.
There is a lack of innovation in this space, and many things being tried\u2014shifts to direct contracting, direct primary care, self-funded programs for individuals and SMBs\u2014do not address the root problems. They are temporary price-oriented solutions. These are a form of moving the ball between cups\u2014prices are better because coverage is impaired in hidden ways that the average person doesn\u2019t discover until it\u2019s too late.
There\u2019s also a strong debate, of course, about governmental reforms to U.S. health care. Many support Medicare For All (MFA) for good reasons. However, MFA on its own may not be enough to address clinical variation and some of the other root problems in the system. In any case, in the absence of government action, we believe private sector innovation can address some of our shared problems. We\u2019d be happy to discuss this, and the details of what we\u2019re doing, in the comments below. We\u2019d also like to hear about your own ideas!","title":"Launch HN: Evry Health (YC W18) \u2013 Better health insurance for companies","updated_at":"2025-10-06T20:54:11Z","url":"https://www.evryhealth.com/"},{"_highlightResult":{"author":{"matchLevel":"none","matchedWords":[],"value":"jeffreyrogers"},"title":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"A Culture of Envy"},"url":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"http://lemire.me/blog/archives/2014/08/11/a-culture-of-envy/"}},"_tags":["story","author_jeffreyrogers","story_8506869"],"author":"jeffreyrogers","children":[8507159,8507232,8507242,8507252,8507253,8507258,8507269,8507273,8507275,8507306,8507322,8507444,8507484,8507496,8507516,8507530],"created_at":"2014-10-25T01:36:54Z","created_at_i":1414201014,"num_comments":47,"objectID":"8506869","points":59,"story_id":8506869,"title":"A Culture of 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No worries, you can still make it big."},"url":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"http://www.techcrunch.com/2009/10/24/got-degree-envy-no-worries-you-can-still-make-it-big/"}},"_tags":["story","author_atestu","story_900582"],"author":"atestu","children":[900608,900646,900715,901260],"created_at":"2009-10-24T15:58:19Z","created_at_i":1256399899,"num_comments":15,"objectID":"900582","points":19,"story_id":900582,"story_text":"","title":"Got degree envy? No worries, you can still make it big.","updated_at":"2024-09-19T16:45:13Z","url":"http://www.techcrunch.com/2009/10/24/got-degree-envy-no-worries-you-can-still-make-it-big/"},{"_highlightResult":{"author":{"matchLevel":"none","matchedWords":[],"value":"marrone"},"story_text":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"A lot of Web 2.0 news circulates around who is getting bought by whom for how much. A lot of people see this and envision the same success for themselves. A lot of these same people are creating startups.
My question is this: is envy a good thing? I mean we are talking about the American Dream after all, the web is the new land of opportunity for many people, and a lot of us look to it as our chance to become rich and successful. But is this envy good or bad? Do we focus too much on getting acquired, rather than starting something you love and possibly being able to make a living off of it? The YC application even asks who you think would be the most likely to acquire you.
PG has said many times, that during his Viaweb days all he wanted to do was make something good. What are your thoughts?
P.S.\nThis blew me away a few months back. In my Mens Health magazine, the results to a survey on the average guy's fantasy profession:\n1. Professional athlete, 2. Movie Star, 3. Internet start-up millionaire, 4. Rock and Roll star, 5. Playboy photographer ... in that order! \nYes internet start-up made it ahead of taking pictures of hot naked women all day, and being a rock and roll singer! Oh how the times have changed..."},"title":{"fullyHighlighted":false,"matchLevel":"full","matchedWords":["evvy"],"value":"Is envy a good thing?"},"url":{"matchLevel":"none","matchedWords":[],"value":""}},"_tags":["story","author_marrone","story_49313","ask_hn"],"author":"marrone","children":[49324,49328,49333,49343,49346,49349,49350,49353,49361,49362,49367,49384],"created_at":"2007-09-02T00:06:16Z","created_at_i":1188691576,"num_comments":24,"objectID":"49313","points":18,"story_id":49313,"story_text":"A lot of Web 2.0 news circulates around who is getting bought by whom for how much. A lot of people see this and envision the same success for themselves. A lot of these same people are creating startups.
My question is this: is envy a good thing? I mean we are talking about the American Dream after all, the web is the new land of opportunity for many people, and a lot of us look to it as our chance to become rich and successful. But is this envy good or bad? Do we focus too much on getting acquired, rather than starting something you love and possibly being able to make a living off of it? The YC application even asks who you think would be the most likely to acquire you.
PG has said many times, that during his Viaweb days all he wanted to do was make something good. What are your thoughts?
P.S.\nThis blew me away a few months back. In my Mens Health magazine, the results to a survey on the average guy's fantasy profession:\n1. Professional athlete, 2. Movie Star, 3. Internet start-up millionaire, 4. Rock and Roll star, 5. Playboy photographer ... in that order! \nYes internet start-up made it ahead of taking pictures of hot naked women all day, and being a rock and roll singer! 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But hey, we're doing alright -- we're doing better. So many more programming-for-women workshops. In Montreal we've have some amusing oversights by various tech communities (in particular some offense about grandmas http://bit.ly/jxiqwL ) that have been called out on quite immediately and fixed out of sheer respect.
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