Kumba Health is a marketplace connecting doctors with patients looking for a way to save money and grief by paying direct. With 120MM Americans now on high deductible plans + 75MM making up the "1099 economy" + 29MM still uninsured, the direct pay market is massive. Completing the "other side" of the marketplace are docs seeking more direct pay patients, and thus becoming less dependent on insurance. Kumba generates revenue from its doctors.