The $60 billion opportunity to change Millennials and their healthcare:
Share to linkedinlex Cyriac was 33, single and healthy when he got a wake-up call about medical costs in retirement. His mom confided she’d stopped taking a medication because the co-pay under her Medicare drug plan had risen $200 a month. Cyriac insisted she fill her prescription and said he’d pick up the tab. “I had naively assumed that when you retire you have Medicare,’’ he says.
In 2003, Congress authorized HSAs as tax-shelter bait to lure families into high-deductible plans, which—the theory went—would turn them into more cost-conscious healthcare consumers. At the end of January, Americans held $60 billion in 26 million HSAs, an average of $2,300 per account, reports HSA advisory firm Devenir.
The friends decided they could do better with a digital-native product. In mid-2016, Cyriac quit his new job at payments company Worldpay in San Francisco and rented space at WeWork, becoming Lively’s CEO. Startup funds of $600,000 came from friends, a Worldpay executive, the founder of Justworks and PJC, a venture fund that had backed Retroficiency.
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