BNPL for Healthcare?

Been exploring Buy Now, Pay Later for medical bills as well as factor financing—advancing cash to providers against insurance receivables. But speaking to experts they point to challenges:

-Insurance companies carry significant bad debt.

-The system is plagued, with inefficiencies and payment delays.

-Capital-intensive vs brokered each come with red flags.

What are you seeing out there in terms of health insurance receivables/reimbursement financing?

Happy to hop on a call and discuss.