The distribution of banks resembles the distribution of health insurance companies (power-law): a few companies dominate the majority of the market share. This is a non-stable, far from robust distribution: when the giants fall, the entire system collapses (as we just saw with our banking system). The same collapse is around the corner for health insurance companies; the exponential growth of healthcare spending is simply not sustainable -- at some point, the system is going to crack, the ripple effects will spread, and United, Aetna, Blue Cross, and others will all come crumbling down.

Jay Parkinson, Sean Khozin, and the Hello Health folks are working locally, in NY, each day to build a sustainable healthcare model from the ground up that they hope will preserve and provide value in the wake of the demise of our current healthcare delivery/financing system.