Explores mutual insurance model for last-minute flight bookings:
- Analysis of why pure insurance likely fails (adverse selection, moral hazard)
- Five alternative models that could work (options, consolidator, HSA-style, verified emergency, closed groups)
- Detailed flight options pricing tiers
- Research on existing programs to leverage (travel agent credentials, flight subscriptions, credit union programs, price lock services)
- Financial projections for phased rollout
- Open questions and next steps
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
