What does health premium pricing look like when $3M therapeutics are commonplace (CGT)

Cell and gene therapies are arriving faster than actuarial models can adapt. We’re talking hundred-thousand-dollar, one-time curative treatments that fundamentally break traditional cohort-based premium pricing. How are you thinking about reserving for these tail risks? How do you model a therapy that eliminates an entire disease category from your book?

I am a venture capital investor looking at actuarial tooling and curious to talk to some folks that are thinking about this. Shoot me a dm.