Health Insurance That Works — And Why I’m Helping Build It
By Pavel Pavlov, Vice President of Software Technology
When I first heard the name PERMA FAIR, it caught me off guard — in the best possible way.
It wasn’t a mash-up of tech jargon or a vague healthcare euphemism. It was a bold promise: to create a health insurance model built on permanence and fairness. In an industry where plans change annually and policies seem designed to confuse, that kind of clarity and ambition stopped me in my tracks.
As a technologist, I’ve spent my career solving problems at the infrastructure level — building platforms that help businesses move faster, communicate better, and serve people more effectively. But health insurance is different. It’s deeply personal, often emotional, and historically riddled with friction.
I’ve experienced that friction firsthand. When I had Blue Cross, I was constantly in the dark about what kind of costs I might be facing. Even basic services felt like a gamble. I remember getting a simple X-ray and then being shocked by the bill that followed, far higher than I ever expected, with no transparency into why. It left me feeling powerless, even a little betrayed. That moment stuck with me and made me realize how broken the system really is for everyday people just trying to take care of their health. The frustration built up to the point where I avoided seeking medical help altogether, simply because I feared the surprise bills and the lack of clarity. No one should have to make that kind of trade-off when it comes to their health.
PERMA FAIR is tackling this head-on. We’re not here to put a shiny front-end on legacy systems. We’re building a health insurance platform from the ground up: transparent, stable, and designed for real people — not policy complexity.
That mission resonated deeply with me. Because fairness isn’t just a policy, it’s a product requirement. And permanence doesn’t mean rigidity, it means reliability.
At PERMAF AIR, I see a team grounded in values and energized by possibility. We’re blending deep healthcare experience with modern engineering practices to build something the system desperately needs: trust.
I joined because I believe we can create an insurance experience that people don’t dread — one that they can actually understand, depend on, and even feel good about.
That’s a future worth building.
Featured Resources
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Why I joined PERMA FAIR
The healthcare system in the United States is often overwhelming — defined by complex regulations, rising costs, and processes that can feel far removed from the needs of patients and families. I have experienced that reality from multiple perspectives: as a professional within the health insurance industry and as a parent who has relied on the system to care for my own family.
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Why I joined PERMA FAIR
Healthcare in the United States is complicated, expensive, and too often frustrating for the very people it’s meant to serve. I know that firsthand, not just as a professional in the health insurance industry, but as a member myself. I began my career working in health insurance as an Administrative Assistant, supporting leadership, and learning how the system works behind the scenes. Later, I moved into a role at a large insurance company, where I expected better access, clearer answers, and more support. Instead, what I experienced was the opposite.
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Cut Through the Noise: Why Indexed Reimbursement is the Future of Fair Benefits
The latest national pricing data confirms what many employers already suspect: the same medical procedure can cost two to nine times more depending on the hospital, insurer, or even the contract. A bypass surgery at one Boston hospital, for instance, billed Aetna members nearly $50,000 less than UnitedHealthcare members, according to a recent Fierce Healthcare report on Trilliant Health’s transparency analysis
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