The New York startup bundles 3,000-plus independent clinics into one employer benefit. Its wager is simple, expensive and now measurable: better primary care can prevent the hospital bill before it arrives.
A consumer clinic taught physician-founder Scott Shreeve that better care was not enough - distribution was the real diagnosis. Crossover's employer pivot turned one awkward storefront into a hybrid care network, and a 2026 merger gave the model national heft.