What happened to Bright Health as the health insurer grew too fast

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What happened to Bright Health as the health insurer grew too fast
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Inside the stunning unraveling of Bright Health, a health-insurance upstart that rocketed to an $11.2 billion valuation and then cratered as it grew too fast

In one sign of how dire Bright's finances were, regulators in Colorado took the unusual step of forcing the insurer to stop selling coverage in the state's marketplace.

Here's the inside story of how high-flying Bright came crashing down because of unsustainable growth, irrational prices for coverage, and inadequate technology and other insurance capabilities, according to former employees, industry experts, earnings call transcripts, and state and federal filings.Bright grew rapidly by selling the cheapest health plans

"That was the objective," this person said."It was never like, 'Oh, maybe we should scale back on how fast we were growing.'" In addition to Bright getting a lot of new members during the usual open-enrollment period, its low prices led to a tidal wave of new customers who enrolled during the COVID-19Bright wasn't ready. As new members signed up, the insurer failed to interact with them quickly enough to get them to a doctor who could treat their health conditions and collect data, Mikan said during an earnings call in March.

"The sophistication with scalability of their operating systems was not nearly what they had represented to the Street when they initially became public," Gary Taylor, a managing director at Cowen, said.

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