Testing the Hypothesis Part 2

• Who: My interviews revealed that there are groups of people that may fall outside of my market. These people that fall outside my market are individuals that, because of the state of the economy, do not have insurance. It is estimated that 44 million people in America do not have health insurance, and 38 million people have inadequate health insurance. This means my idea would essentially be entering a broken market and could hinder its success and implementation. Additionally, this idea may not particularly cater to the super rich who are not invested in the miniscule financial impact a higher deductible would have.
• It was also brought to my attention that it may be difficult for individuals that have insurance from their respective unions to get on board with this idea. I think it would be accepted by these unions, but it may be much more difficult to implement.  
• What: One interviewee brought up the point that many insurance companies have a system in place that they check your weight and pre-existing conditions before they agree to take you on to be insured. Why do they favor this system rather than tracking physical fitness? Is it because these policies have not been updated to match modern times, or simply because that is all the information they need to know?
• Why: I do not believe the need is different because the modern day insurance system needs to be modified to be on track with the current times.
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	Inside the Boundary	Outside the Boundary
Who	American individuals seeking a deduction in insurance, as well as insurance companies looking to modernize.	The uninsured and the super rich individuals who do not care about deductibles.
What	Insurance companies need a screening process for individuals that can reduce future claims.	Insurance companies that are content with their current screening process.
Why	Insurance companies want to modernize in order to gain a greater market share by reducing claims and increasing deductions by enforcing healthy behavior.	Insurance companies do not want to make the initial investment to experience payoffs down the road.