The Best Tax Hack in the US Requires the Worst Health Insurance

HSAs are a great deal. The insurance you need to get one isn't.

Feb 9 • Heiki Riesenkampf

Your health plan is designed to make you avoid care

How deductibles, coinsurance, and out-of-pocket maximums were borrowed from car insurance and why they make people sicker.

Feb 5 • Heiki Riesenkampf

2

Five Healthcare Predictions for 2026

Where the opportunities are as gatekeepers lose control.

Feb 3 • Heiki Riesenkampf

1

January 2026

Why Your Tech Startup Is Forced to Pay 30% More for Health Insurance Than Large Companies

How lawmakers created a two-tier system where small businesses subsidize the sick while corporations opt out.

Jan 26 • Heiki Riesenkampf

2

November 2025

The Health 401(k): A Free-Market Cure for American Healthcare

How to fix the US healthcare system with Universal Catastrophic Coverage and empowered HSAs.

Nov 27, 2025 • Heiki Riesenkampf

1

My First Two Years in New York

On ambition, society, and the pursuit of happiness.

Nov 26, 2025 • Heiki Riesenkampf

2

2

You can just do things

I went from knowing nothing about healthcare to launching a health insurance. Despite all the rejection along the way. Here's a story to the crazy ones…

Nov 3, 2025 • Heiki Riesenkampf

6

1

October 2025

How to choose a health insurance plan for your startup?

You just raised, incorporated, set up your initial payroll and now it's time to pick the second largest spend item at your startup - health insurance…

Oct 14, 2025 • Heiki Riesenkampf

2

June 2025

How will AI change primary care?

The doctor-patient role has been evolving throughout history of society and AI will be the biggest change yet. What will we still need PCPs for?

Jun 22, 2025 • Heiki Riesenkampf

1

May 2025

US healthcare needs a revolution, not innovation.

US healthcare has accumulated a century of regulation and technical debt that no amount of AI will fix. We need to reform the system from first…

May 23, 2025 • Heiki Riesenkampf

4

The Pain and the Gain from Being a Solo-Founder

The two years of building Commonbase as a solo-founder left me with many scars and valuable lessons. I’d love to share a few of these insights with you…

May 19, 2025 • Heiki Riesenkampf

8

1

2

April 2025

30 things I would tell my 20-year old self

After recently completing a second decade, I wondered what would a younger me have appreciated to hear. Without much further ado, here are some ideas:

Apr 7, 2025

2