[tstegart]

Have you thought about allowing different, unrelated employers to combine to insure one person? A lot of people find that a part time job does not give them enough hours to be insured, so they get a second job, but don't get enough hours there either, and end up working 40 hours with no insurance.

What about allowing different employers to pay parts of insurance, and another employer pays another part, to allow the employee to get insured?

A person just needs to come up with any amount of employers willing to pay the amount that adds up to 100% of the cost.

[aquaphile]

Chris (CEO) here. I’m not aware of anyone that has created a model to fractionally insure a single person as you have described.

There are models and mechanisms for multiple smaller employer groups to band together. For example, association health plans are common with professional trade groups.

While an interesting thought experiment, no, we have never thought about multiple employers combining and contributing to insure a single individual.

[tstegart]

Would it be difficult? If you market to consumers, you could give businesses a cost over the phone just like any other business, just on a per person level.