Solutions

Reducing Modifiable Risks for Insurers & Policyholders

Novel approaches to reduce the incidence of accidents and preventable conditions that harm millions and cost billions every year.

Reducing Modifiable Risks for Insurers & Policyholders

Our goal is to save insurers and policyholders millions by reducing the impacts of misinformation and disinformation.

We focus on how lack of quality information impacts all critical stakeholders:

Policyholders

Overwhelmed with harmful information & conflicting incentives, policyholders struggle to manage risk, leading to loss, suffering & higher premiums.

Insurers

Face increased claims, payouts & risk. Struggle to change risky policyholder behaviors & keep their trust. Can’t manage emerging large-scale risks. Struggle to reach policyholders where they get exposed to harmful information.

Government

Modifiable risks harm public health & the  economy. Struggle to keep citizen trust, change citizen behavior & deal with harmful information.

Modifiable risks are factors that can be reduced or controlled by behavioral changes or preventative measures, such as vaccination or quitting smoking. Modifiable risks cost billions while reducing quality & length of life.

By focusing on risks like these that are high-impact and insurance-relevant, we empower individuals and organizations to make safer, healthier choices, leading to fewer claims, lower costs, and stronger customer relationships for insurers.

We can achieve this through the delivery of targeted, evidence-based information analysis for policyholders, prioritized by:

  • Scientific Evidence: how strong and reliable the supporting research is
  • Effectiveness: the potential benefits and impact of the change
  • Ease of Adoption: how simple it is for people to implement and maintain
  • Possible Drawbacks: any risks, downsides, or unintended consequences

Scope

$730 Billions of total US healthcare spending is attributable to modifiable risks. 1
67.2% of US adults ages 30–44 use the internet to look for health or medical information. 2
25% of employers spend for healthcare in the US is tied to modifiable risks. 3

Discovery Calls & Pilot Projects

We’re looking for early customers and partners for this solution. If you're interested, please write us at smallteam@bigfilter.ai.

Footnotes

  1. Bolnick, H. J., Bui, A. L., Bulchis, A., Chen, C., Chapin, A., Lomsadze, L., … & Dieleman, J. L. (2020). Health-care spending attributable to modifiable risk factors in the USA: An economic attribution analysis. The Lancet Public Health, 5(10), e525–e535. https://www.thelancet.com/journals/lanpub/article/PIIS2468-2667%2820%2930203-6/fulltext
  2. Wang, X., & Cohen, R. A. (2023b). Health Information Technology Use among Adults: United States, July-December 2022. https://doi.org/10.15620/cdc:133700
  3. O’Donnell, M. P., Schultz, A. B., & Yen, L. (2015). The portion of health care costs associated with Lifestyle-Related Modifiable health risks based on a sample of 223,461 employees in seven industries. Journal of Occupational and Environmental Medicine, 57(12), 1284–1290. https://doi.org/10.1097/jom.0000000000000600