Foresight · The Rozetta Foundry
Draft conversational memos, written for internal discussion and provocation ahead of the Rozetta Institute's Healthspan Transition Innovation Foundry (Melbourne, October 2026). Each sketches a bankable instrument for lasting Australian population health: seven standalone instruments, each named for who pays, and two that work the fund model behind them. Early drafts, meant to start an argument rather than settle one.
The tontine, reborn to keep you well. A member-owned mutual that pools against outliving your money, then spends a slice of the pool on the good years that keep its members independent. It carries two of the three risks of ageing, not just the one annuities cover.
Read → The employer paysThe club will see you now. Preventive health delivered through the one loyalty Australian men reliably act on, their football club, paid for upfront by the employer who gains when they stay well.
Read → The place paysThe High Line, but the dividend comes home. Finance the determinants of health on a street, capture the land uplift and the avoided insurance claims, and keep the dividend in the community that produced it.
Read → The patients payThe great GP sell-off, and who should buy. A third of Australia's GPs will retire within five years. Their practices need a better buyer than whoever bills the most visits: the patients themselves, through a co-operative.
Read → The employer paysThe $78 billion of care we don't pay for. Australia's largest health workforce is unpaid and burning out. A new deal for the three million family carers, with an agent that sees the crisis coming and money already set aside to meet it.
Read → A patient lender paysCompany for one generation, a deposit for the next. One generation has a house and too little company; the next has the reverse. Live-in support for an older homeowner earns a first-home deposit, paid in vested equity.
Read → The employer paysBeyond the hard hat. Workplace safety has beaten the falling object and the broken limb. The slow harm is next: the air we breathe at work, and the conditions a targeted annual check could catch in time.
Read → The fund model, workedThe poison with no price. Some of the Parkinson's we treat as fate looks closer to something we are doing to ourselves. The binding constraint is not the chemistry but the information, and a fund can build that.
Read → The fund model, workedThe cost of guessing. Most urinary tract infections are treated without finding out what causes them. In older people that guess drives resistance and sepsis. The fix is a cheap test, and a fund built around the decision, not the device.
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