# Arlo

> Arlo is a New York-based health insurance startup rebuilding coverage for small and mid-sized businesses. It pairs AI-driven underwriting with value-based care and cost transparency to offer level-funded plans that make big-company benefits available to teams of roughly 10 to 150 employees, without the big-company admin. Founded in 2022 by former Palantir team lead Jan-Felix Schneider and ex-Finch engineering lead Karthik Bhaskara, Arlo raised a $4M seed round in 2025 led by Upfront Ventures and works with reinsurer Nationwide.

- **Founded:** 2022
- **Headquarters:** New York, United States
- **Founders:** Jan-Felix Schneider (Co-Founder & CEO), Karthik Bhaskara (Co-Founder & CTO)
- **Team size:** ~43 employees
- **Products:** Level-funded / self-funded health plans, AI-driven underwriting, Arlo mobile app & AI care guide, Provider network & price transparency
- **Notable:** Raised $4M seed led by Upfront Ventures in March 2025, Wrote mid-eight-figures in premiums within its first year, Reached profitability in under two years

## Products & services

- **Level-funded / self-funded health plans** — Custom-built health plans with direct underwriting for small and mid-sized businesses, typically teams of roughly 10 to 150 employees.
- **AI-driven underwriting** — Machine-learning models assess health risk and automate underwriting so small employers get pricing and terms usually reserved for large groups.
- **Arlo mobile app & AI care guide** — A member app that decodes benefits, estimates the cost of care before booking, and helps members find the right in-network provider, backed by human clinicians.
- **Provider network & price transparency** — In-network care with upfront cost transparency, $0 primary-care copays, covered preventive screenings, virtual care, lab ordering, and prescriptions.

## Achievements

- Raised $4M seed led by Upfront Ventures in March 2025
- Wrote mid-eight-figures in premiums within its first year
- Reached profitability in under two years
- Signed 200+ small and mid-sized businesses
- Secured stop-loss reinsurance partnership with Nationwide
- Reports 95%+ customer satisfaction

## Latest updates

- **2025-03** — Announced $4M seed funding led by Upfront Ventures with 8VC and General Catalyst to help small businesses offer affordable health insurance.
- **2025-03** — Fierce Healthcare profiled Arlo's AI-powered underwriting approach to small-group insurance.

## Links

- Website: https://www.joinarlo.com
- LinkedIn: https://www.linkedin.com/company/arlo-health

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Profile page: https://yespress.io/arlo
Published by YesPress — https://yespress.io
Last updated: 2026-07-07