Sabbin Inshorar Lafiya

Innovations na Inshora na Lafiya (**HII**) dandalin fasahar inshora ne na agnostic. Kamfanin yana da hedikwatar a Tampa, Florida kuma an jera shi a NASDAQ .  Kamfanin yana amfani da dandamali na girgije don wakilai masu zaman kansu masu lasisi don yin rajistar abokan ciniki a cikin samfuran da kamfanonin inshora suka bayar waɗanda ke ba da ainihin ɗaukar hoto. Har ila yau, kamfanin yana ba da sabis na biyan kuɗi da bayanai ga abokan ciniki da wakilai.

## Bayyanawa
Kamfanin yana ba da damar yin amfani da zaɓuɓɓukan ɗaukar hoto iri-iri, gami da inshorar kiwon lafiya na ɗan gajeren lokaci, iyakancewar kiwon lafiya, membobin ragi na likita, haɗari, ciwon daji da ɗaukar cututtuka masu tsanani, shirye-shiryen ajiyar takardar magani, ɗaukar haƙori da hangen nesa, inshora na rayuwa, ɗaukar AD & D, shirye-aikacen kiwon lafiya da lafiya, da ragi na salon rayuwa. Wadannan kayayyakin kuma ba cikakkiyar inshorar kiwon lafiya ba. Ba sa samar da fa'idodi da suka gamsu da mafi ƙarancin buƙatun ɗaukar hoto a ƙarƙashin Dokar Kulawa mai araha. Duk da waɗannan iyakoki, ana zargin masu sayar da kayayyakin HII akai-akai da yaudarar masu amfani da su cikin gaskata cewa shirye-shiryen HII suna da kyau ko ma mafi kyau fiye da inshorar kiwon lafiya ta "Obamacare". A cikin wata hira da aka yi da Capitol Forum a shekarar 2017, Shugaba Gavin Southwell ya yi watsi da shawarar cewa HII ne ke da alhakin gudanar da cibiyoyin kira, yana mai cewa: "Suna da masu zaman kansu, don haka suna da irin abin da suke. ”

## Tarihi
Kamfanin ne ya fara gudanar da shi ta hanyar Health Plan Intermediaries, LLC. , wanda mallakar Naylor Group Partners, LLC ce. A cikin 2011, Innovation na Inshora na Lafiya sun amince da siyan raka'a na Health Plan Intermediaries, LLC. Ya zuwa ranar 30 ga Satumba, 2012, kamfanin yana da ma'aikata 51.

A watan Maris na shekara ta 2015, an nada Michael Hershberger, Babban Mataimakin Shugaban Kudi da Ci gaban Kasuwanci, Babban Jami'in Kudi na wucin gadi, babban jami'in kudi, kuma babban jami'an lissafi. An nada Gavin Southwell a matsayin Shugaba da Shugaban kasa a shekarar 2016.

A cikin 2018, Fortune ta lissafa Innovations na Inshora na Lafiya a matsayin # 1 na Kamfanoni 100 masu saurin girma.  A cikin 2019, ci gaban da aka tsara na kasuwar inshorar kiwon lafiya na ɗan gajeren lokaci da "canjin manufofin kiwon lafiya a yanzu da na gaba", kamar sokewar Dokar Mutum da canje-canje na gaba ga tallafin Jiha don Medicaid, an haɗa su cikin nazarin kamfanin ta SeekingAlpha.

## Rahotanni da sake dubawa
HII a halin yanzu yana da darajar D− tare da Ofishin Kasuwanci Mafi Kyau saboda, a wani bangare, ga gazawar kamfanin "don warware ainihin dalilin (s) na tsarin korafe-korafe. "  A cikin shekaru uku da suka gabata, masu amfani sun shigar da korafe-sauye 295 tare da BBB akan HII. 

## Abubuwan da aka samu
A cikin 2014, kamfanin ya sami HealthPocket Inc. don $ 32M,  shafin yanar gizon kyauta don masu amfani don kwatanta tsare-tsaren Inshorar lafiya a kan layi.  Ya haɗa da albarkatun inshora na kiwon lafiya iri-iri kamar kididdiga, kuri'u, da bincike. A cikin 2016, Kamfanin RAND ya haɗa HealthPocket a cikin rahoton binciken yanke shawara na kiwon lafiya na masu amfani ga masu tsara manufofi, masana masana masana'antu, da masu bincike da ke sha'awar ƙirar yanar gizo da Zaben masu amfani. A cikin 2018, duka masu kafa HealthPocket sun yi wani canji da aka shirya kuma ba sa tare da kamfanin.

A cikin 2015, Ƙirƙirar Inshorar Lafiya ta sanar da samun Inshorar Lafiya ta Agile (ko AgileHealthInsurance), wanda ke siyar da madadin inshorar lafiya na ɗan gajeren lokaci zuwa inshorar Kula da Kulawa (ACA) ko Obamacare.  Gidan yanar gizon Agile yana ba da cikakken bayani game da farashin tsare-tsaren inshorar lafiya daban-daban kuma yana bawa masu amfani damar neman ɗaukar hoto akan layi.  Kamfanin yana da hedikwata a Mountain View, CA kuma SVP na yanzu da Shugaban Ayyukan Kasuwanci shine Shaun Greene. 

A cikin 2019, Health Insurance Innovations ya ba da sanarwar sayen TogetherHealth (ko TogetherHealth, LLC), wanda shine dandamali kai tsaye ga mabukaci wanda ke haɗa mutane tare da masu ɗaukar inshora ta hanyar sayen mabukaci da shiga.

## Ayyukan Shari'a
A watan Disamba, 2018, kamfanin ya cimma matsaya wanda ya haifar da rashin tarar, hukunci, ko binciken rashin laifi tare da masu tsarawa a jihohi 43 kan ayyukan tallace-tallace.

A watan Yuni, 2019, an shigar da kararraki biyu a Kotun Tarayya da ke zargin kamfanin ya yaudare su wajen sayar da inshora.  An ba da manufofin ta hanyar Lafiya mai Sauƙi, kamfanin da hukumomin Tarayya suka rufe a watan Nuwamba 2018 kuma HII ya ƙare a lokaci guda;  shari’ar ta yi zargin cewa HII ne ya ba da kuɗaɗen lafiya mai sauƙi duk da binciken da kamfanin ya samu daga sassan inshora a jihohi 43 da FTC.  Ba tare da shaida ba, HII ya bayyana cewa "[t] FTC da masu binciken DOI sun gane cewa HII ba ita ce ke da alhakin ayyukan Sauƙaƙen Lafiya ba," yana nuna cewa ba a bin diddigin kamfanin ta hanyar masu gudanarwa.  FTC ba ta fitar da wata sanarwa ta jama'a da ke share HII daga alhakin ayyukan tallace-tallace na yaudara da Lafiya mai Sauƙi ke gudanarwa ba, kuma hukumar ba ta tabbatar da ko HII na kan bincike kan waɗannan ayyukan ba.  HII ya kasance batun binciken bincike mai gudana wanda ofishin Atoni-Janar na Massachusetts ya gudanar tun aƙalla Yuni 2016.  Wannan binciken ya shafi "" tallace-tallace da tallace-tallace ba bisa ka'ida ba a Massachusetts na inshorar lafiya da tsare-tsaren kiwon lafiya rangwame " ta HII da masu rarraba ta, gami da National Brokers of America, dillalin F-rated[4] wanda ya kasance makasudin aiwatar da ayyuka da yawa..