Ep. 132 - Nick Gerhart

In this episode of The Federal Newswire Lunch Hour, host Andrew Langer sits down with Nick Gerhart, COO and incoming CEO of Homesteaders Life Company. A former Iowa Insurance Commissioner and longtime advocate for innovation in insurance, Nick shares hard-earned insights on why insurance must evolve to meet the needs of modern consumers—especially in the complex world of health care.

They dive into:
- The necessity of innovation in a highly regulated industry
- Why health insurance functions differently than traditional insurance
- How AI and data could radically improve preventative care
- The promise and pitfalls of interstate competition
- Cross-state licensing as a key to solving provider shortages
- How bureaucracy, cost, and provider networks block new entrants

This is a must-watch conversation for anyone interested in the future of health policy, competition, and the economic forces shaping our $5 trillion healthcare industry.