All of this sounds great — who wouldn’t want a better system? — but there is a huge difference between disrupting the hospitality or transportation industries and the health care world. Airbnb travelers or Uber riders have the freedom to choose those services over the traditional options. Most health care customers do not make their own choices: the majority of the insured are limited to what their employers offer. Until recently, individual insurance was so difficult and expensive to secure that people considered themselves lucky if they could get anyone to insure them.

https://backchannel.com/oscar-is-disrupting-health-care-in-a-hurricane-65480bfed940#.5rib1flhp