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Comment by pkukp9 | Hacker News Reader

Yup! Lower income families like us because we are accessible. Higher income families & providers as well like us because of our personalization and onboarding

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Well, you're much more expensive in the long run. But that's pretty typical for companies targeting poorer people. So you're essentially a very expensive financing solution.

I have looked around, Anja is the cheapest. Other company has a big upfront cost that is around $1000 or more, not Anja. In the long run, it is also cheaper.

Low income families themselves have told us they’re so happy they finally found an affordable solution. So I’d beg to differ (qualifying low income as <75k household income. They self reported)

I can no longer reply to your last comment @Grustaf for some reason haha but I'm guessing you're still reading these. We are currently the most affordable in the industry. When you add up cord blood alone amongst all cord blood banks and make the plans specific to 20 years, ours comes out to be ~3000. Others come out to be 3500+. Can send you some data on this if you'd like to correspond via email

Yeah you have to wait a minute or something until you reply.

No need, I believe you. It's just that it seemed others here pay less than that.

But it's a bit confusing that you only pay for the first 8 years. That makes it look more expensive than it is. Why not lower the monthly fee to $20 but keep it for the full 20 years?

Didnt want parents to have to worry for an extended period.

It seems to me that lowering the monthly cost is precisely what they'd prefer. 8 years later both parents are probably back to working full-time, and with promotions etc they will have better economies.

Why would a young not so well off family prefer to pay 35 dollars a month for eight years, to paying say 20 for 20 years?

I'm really confused by this because it seems that it would benefit both your customers, and you, since you could charge more overall while imposing a smaller burden. Plus it would sound cheaper.

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