Healthcare Equity

Case Study: INSURICA

Now in its 40th year, the Entrepreneur Of The Year program celebrates the bold leaders who disrupt markets through the world’s most ground-breaking companies, revolutionizing industries and making a profound impact on communities.

Even with insurance, cost is still one of the biggest barriers keeping employees from getting the care they need. In our January 2025 survey, nearly 80% of Paytient members said they would have postponed or skipped care without their Health Payment Account. In this blog, we unpack what that means for access, financial wellness, and how employers can better support a healthier, more engaged workforce.

When it comes to healthcare, affordability isn’t just a buzzword—it determines access, outcomes, and equity. The economic principles governing healthcare demand are straightforward: as costs decrease or become manageable, more people can access and afford the care they need. When they are high, rising, or uncertain, too often, healthcare doesn’t happen. Unfortunately, Out-of-pocket costs often present insurmountable barriers for patients.

When we think about innovation in healthcare, it’s easy to get caught in the traditional "iron triangle": access, cost, and quality. These three elements have long been considered fixed constraints—improve one, and you’re likely to diminish another. But what if there’s a way to disrupt these familiar dynamics? What if there’s a fourth dimension that, by pushing the triangle over time, can make care more accessible and affordable without sacrificing quality? Our CEO and founder, Brian Whorley, has written about this possibility, which is worth revisiting as benefit leaders emerge from open enrollment and turn their eyes toward 2026.

The start of a new year is the perfect chance to hit refresh—especially when it comes to your healthcare benefits. If you have employer-sponsored insurance, you probably know the basics like premiums, deductibles, and copays. But here’s the thing: your benefits package likely holds more value than you realize. By uncovering hidden perks and learning how to make the most of your coverage, you can set yourself up for a healthier, wealthier, and more stress-free year. Ready to make your benefits work harder for you? Here’s your quick guide to maximizing them like a pro!