Thatch CEO @chrisellisdc says healthcare has the wrong incentives because your insurer doesn’t have to win your business, your employer already chose it for you: "The problem is there's no penalty for denying a claim. If you're working at a company that offers a health plan and your claim gets denied, who are you petitioning to? You don't get to change the insurance. It's decided for you by your employer." "In a world where consumers choose and you have an experience, whether it's customer…