Great overview Joe! You left out another approach, represented by b.well Connected Health: Simplify the digital health ecosystem for consumers by providing a single digital platform/app that enables consumer choice and personalization while connecting directly to their medical record and insurance data ... and deliver it to them via their trusted provider rather than from some technology company with whom they've never had a relationship. See https://www.ripplebythedacare.org/ for an example of b.well white labeled by a provider.

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