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.