Ask HN: How to Raise Money for Healthcare SaaS at Idea/concept Stage?

I have an idea for Healthcare that makes hospitals become the insurer, taking out the middleman, while covering more people locally, and also without the hassle of hiring medical billers.

The SaaS is essentially a networked billing solution to act as the intermediary between multiple hospitals and auto-bill patients monthly.

Development for something like this -- to cover legal, and hipaa, etc is going to be somewhat costly - if it succeeds it could revolutionize healthcare in America, even negate the need for Single-payer healthcare.

How does one approach Angel's or Vc's on an 'idea' only?

Right now it's just a concept, as I have a family to feed so can't devote much time to this because I'm business doing freelance dev work.