Ever since I helped create Urbanspoon I’ve had a penchant for building software that’s easy to use, mildly provocative and fun. Those ingredients are a potent combination when mixed in the right proportions.
My most recent project is PickHealthInsurance, which helps consumers pick a health insurance plan. I released the first version yesterday and it quickly shot up to #1 on Hacker News, my favorite startup news site. It turns out that self-employed people everywhere are having trouble picking insurance.
How did a lowly software engineer like me end up sticking my nose into the insurance business?
A few weeks ago I realized my COBRA was about to run out. I’ve purchased individual health insurance before so I wasn’t completely terrified, though my memories were unpleasant. I started poking around online and quickly became frustrated. There are only a few options for buying insurance online and I find them clunky and dated.
You have to plug in a fair bit of personal information before they start revealing rates and plans. Many of the most important details are squirreled away in hard to find places. For example, did you know that some plans that claim to cover maternity have a separate $20,000 deductible? Personally I want to know that kind of thing right up front before I apply for a plan.
I decided that I wanted to build my own health insurance picker. My background is in software engineering, though I can fake user interface design in a pinch. I had a few goals for PickHealthInsurance:
- Start showing approximate rates almost immediately, don’t pester me with a bunch of questions
- Explain confusing terms like “coinsurance” and point out the difference between a PPO and a POS
- Show plan stats up front, not buried deep within the bowels of the application process
- Make it easy to use and blazingly fast
The response so far has been overwhelmingly positive. People are very excited to see something innovative for health insurance. I had a hunch that I wasn’t the only one frustrated by the health insurance shopping process.
The release of PickHealthInsurance also kicked off a robust discussion about insurance pricing and lack of coverage. You can read some of the comments here.
Reading through some of the awful insurance experiences was an eye opener. I’d love to improve PickHealthInsurance and make it possible to compare the final quotes offered up by the plans, not just the advertised rates. That might take a few more weeks, though.