Health insurance has the worst net promoter score than any other industry and if you’ve ever had an issue getting your health care needs met via your insurance, you understand why. The headache of health insurance bureaucracy has motivated some disruptors in the healthcare industry to get back to basics with direct payment models that remove insurance from the doctor/provider-patient relationship. MedCity News highlights three disruptors, including Hint Health, DiRx, and Stilt.

Hint Health, headquartered in San Francisco, CA powers thousands of direct primary care providers with Hint Core to manage memberships and eligibility for over 900k patients. We know that investing in primary care, which is the entry point to care, provides the best health outcomes. Direct primary care (DPC) gives doctors the opportunity to build optimal relationships with their patients and grants patients the chance to be adequately heard and cared for. Zak Holdsworth, Co-founder/CEO and Graham Melcher, Co-founder/CTO knew that supporting the acceleration of direct primary care would be an effective way to “redesign the system,” and move healthcare away from the traditional fee-for-service model.

DiRx, based in East Brunswick, NJ allows patients to purchase prescriptions without insurance at a low-cost. The online pharmacy effectively cuts out the middle-man sourcing generic medications directly from the manufacturer and provides customers with the option to save even more with annual subscription plans, which covers 100% of hundreds of prescriptions. DiRx also offers access to pharmacists around the clock. Satish Srinivasan, CEO and Founder of DiRx spent over 25 years in the pharmaceutical industry prior to launching his company. He saw how the industry was built around health insurance reimbursement, which is misaligned because it doesn’t work for everyone.

FinTech company, Stilt, which is based in San Francisco is addressing out-of-pocket expenses for healthcare to those who either have high deductibles, are underinsured or uninsured by providing lending options via their app, Onbo. The company started out lending to recent migrants to the U.S. who didn’t have credit to qualify for loans. Patients are also leveraging Onbo for “elective surgeries” that are not covered by insurance. Onbo customers have the option to pay in installments within a certain period without incurring interest or repay in 12 to 24 months with a specified interest rate.

These healthcare disruptors are providing valuable alternatives to the health insurance fee-for-service model for the benefit of providers and patients alike. We’re excited to be named alongside these health tech innovators to drive lasting change in the healthcare industry to drive costs down and restore quality care. Learn more by reading the full article here.