By All Means

"We call it the health care system, but really, it's the illness-burden-treatment system. There are so many things we can do to improve in health care." Tony Miller and Dave Dickey are serial health benefits entrepreneurs who've built and sold multiple companies, leading the way toward consumer-driven insurance programs. The most recent is Bind Benefits, an on-demand, zero-deductible program that was acquired by UnitedHealth Group in 2021. Recently renamed Surest, the benefits plan is UHG's fastest growing product with a net promoter score nearly three times higher than its competitors. Miller and Dickey, who no longer work for Surest, talk about how to change health care coverage in America, starting with Miller's first startup, Definity Health, which he sold to UnitedHealth Group in 2004 for $305 million (not $300 million as widely reported, and he tells the story behind that). Miller is managing partner of Lemhi Ventures, a healthcare investment firm, which put the first $12 million into Bind. Between De