​“Insurance is a confusing system, confusing as hell,” says Mario Schlosser, Oscar’s chief executive officer. The founders say a slick app quickly connects customers and doctors, addressing a common complaint about health insurers, that finding the right doctor within a network takes too long. Two years in, Oscar has 40,000 customers in New York and New Jersey, exceeding the founders’ expectations. And a user-friendly website allows subscribers to track and manage medical bills. The technology behind these tools is what separates Oscar from bigger, more established competitors, Schlosser says. Oscar collects data from customers’ visits with doctors and analyzes how much they cost and the results. It uses that information to find savings. Schlosser says data collected on how members fare after doctor visits will help point them to the best doctors next time.

http://www.bloomberg.com/news/articles/2015-09-03/for-health-insurance-startup-oscar-cute-ads-only-go-so-far