Medical insurance once was regarded as a forbidden zone after Obama` s Health Reform now receives sunshine. Oscar, a health medical insurance organization established by a well-known investor, Josh Kushner, has already entered into the Unicorn Club, which simplified the purchasing procedure for commercial insurance supplying integrative medical insurance solutions. And the other player, Clover Health set up in 2014 has obtained $100 million finance recently. Part of the funds lead invested by the First Round Capital, the other part was from the creditor.

It is different with Oscar` s integrative solution, Clover Health started with the past insurance claims` data to collect users medical history and matching with the model, finding the high-risk people and helping them to improve their health status to change the treatment way into prevention then to reduce the medical charges for the company. The main customers are these people at high risk over 65-year-old, but they are major clients with more consumption, so in traditional mode, both the customers and insurance company needs to charge a lot.

However, the big clients accumulated a plenty of medical care data which can analyze their health conditions and preventions to upgrade these people` s health level to reduce the treatment costs through Clover Health.

Vivek Garipalli, the founder of Clover Health which was established in 2014, now is operating a medical corporation in New Jersey. At present, Clover Health just run at the 6 counties in New Jersey. The government said it increased fast, especially in Hudson County, New Jersey, it ranks 2nd there, simultaneously, with very good effect, comparing with the regions where do not use its service in New Jersey the hospitalization rate reduced 50% and re-hospitalization rate reduced 34% in the first half year.