health-insurance
(35)
The Drugstore That Swallowed the Health-Care Map
CVS Health has assembled a pharmacy, an insurer, a benefits manager and a care network under one red heart. The result is a $402 billion experiment in whether scale can make American health care feel less fragmented.
GHI
GHI pioneered the broad doctor network before the term PPO became everyday insurance language. Nearly nine decades later, its name survives inside EmblemHealth - and inside the health benefits of generations of New Yorkers.
Humana
How a 1961 nursing-home bet in Louisville became a Medicare Advantage powerhouse - and why Humana is now buying the clinic, the pharmacy and the house call instead of just the insurance card.
The Cigna Group
The insurance card is only the front door. Behind it sits a $274.9 billion machine spanning pharmacy benefits, specialty medicine, behavioral care and digital health - built to make a fragmented system behave more like one business.
UnitedHealth Group
UnitedHealth Group has built a vast loop around American health care - paying claims, delivering care, managing prescriptions and supplying the data beneath it all. The same integration that gives it unusual reach also puts every friction point under a brighter light.
Oscar Health
Oscar Health began with a friendly app and an unfriendly problem: American health insurance. Fourteen years later, its bigger bet is that the individual market can become the operating system for how people buy care.
Curacel
Curacel is an AI-powered insurance infrastructure company building the rails for insurance in emerging markets. Its cloud APIs let insurers automate claims processing and catch fraud, waste and abuse, while its Grow product lets banks, fintechs and e-commerce platforms embed insurance into their own apps. A Y Combinator Winter 2022 company founded in Nigeria, Curacel works with insurers such as AXA Mansard, Old Mutual and Jubilee across roughly ten African markets.
Insurf
Insurf is an AI-native decision and data layer for U.S. health insurance. Its first product, Inveto, turns denied healthcare claims into source-cited, physician-attested appeals so medical practices recover revenue they would otherwise write off. Each resolved claim feeds a proprietary coverage-decision graph of real payer behavior, which powers a second product, Surely, that prices the true cost of a health plan for employers and brokers. Founded in 2026 by Chang Lu and Bryan Chung, the company is part of Y Combinator's Summer 2026 batch and is based in San Francisco.
Halodoc
Halodoc is a Jakarta-based digital health platform that lets Indonesians consult licensed doctors, order medicine for home delivery, book lab tests and appointments, and buy insurance from a single mobile app. Founded in 2016 by Jonathan Sudharta and Doddy Lukito, it connects more than 20 million monthly active users with over 20,000 doctors, 4,000+ pharmacies and 1,400+ hospitals, and has raised roughly US$258 million led by Indonesian conglomerate Astra, Temasek and Novo Holdings.
Peak3
Peak3 (formerly ZA Tech) is a Singapore-headquartered insurtech that builds cloud-native, AI-ready core software for the insurance industry. Its modular platform - spanning policy administration, distribution, claims and orchestration - lets insurers, MGAs and brokers launch and run life, health and property & casualty products across many markets. Founded in 2018 out of Chinese insurtech ZhongAn and rebranded to Peak3 in 2024 alongside a US$35M Series A led by EQT, the company powers global insurers such as AIA, Generali, Prudential and Zurich, and embedded-insurance programs for digital platforms including Grab, Klook, Lazada and PayPay. Its software has supported over a billion policies across 20-plus countries.
TachyHealth
TachyHealth is a UAE-based healthcare AI company that helps hospitals, clinics and insurers close the gap between clinical care and payment. Founded in 2018, it builds AI-driven tools for medical coding, claims review and auditing, and clinical decision support - branded AiCode, AiReview and AiGuide - aimed at reducing administrative burden, controllable revenue loss and claim denials while advancing value-based care across the Middle East and Africa. In October 2025 it raised a $5M Series A led by Saudi insurer Tawuniya.
CoverGo | Insurtech
CoverGo is a global enterprise insurtech that gives insurers, MGAs, and brokers a no-code, API-first platform to build, distribute, administer, and process insurance products across life, health, and P&C lines. Founded in Hong Kong in 2017 by Tomas Holub, it runs on 500+ open insurance APIs and a patented drag-and-drop product builder, letting carriers launch new products in hours rather than months and modernize legacy core systems without ripping them out. Customers include AXA, Bupa, MSIG, Dai-ichi Life, and Bank of China Group Insurance, served from offices across Silicon Valley, New York, Dubai, Singapore, and Hong Kong.
Flume Health
Flume Health is a New York-based healthcare technology company building operational infrastructure that connects the fragmented data ecosystem behind health plans. Founded in 2017 by Cedric Kovacs-Johnson and Vineeth Bhuvanagiri, Flume gives payers, third-party administrators, and vendors a way to move, translate, and make sense of healthcare data. It started as a plan administrator, pivoted to the Relay integration platform, and has since evolved into an AI-native data platform - mapping enterprise data estates into a living knowledge graph and running domain-specific AI agents so non-technical teams can query and act on healthcare data in plain language.
Headway
Headway is a New York-based healthtech company building a software-enabled network that makes it easier to find a therapist and to pay for one with insurance. Its three-sided marketplace connects patients, mental health clinicians, and insurance plans: patients search for in-network providers with transparent copays, clinicians offload credentialing, billing, scheduling, and claims to Headway, and insurers gain a larger accessible network. Founded in 2019 by Andrew Adams and co-founders, Headway operates in all 50 states with roughly 34,000 clinicians and, after a $100M Series D in 2024, is valued at about $2.3 billion.
Workers Benefit Fund
Workers Benefit Fund is a New York-based, mission-driven company that closes the benefits gap for gig workers, freelancers and independent contractors. Acting as a PEO-style solution for the gig industry, it builds the technology, outreach infrastructure and partnerships that platforms, labor unions and public institutions need to connect non-traditional workers with health, wellness and financial benefits. Its flagship work powers the Drivers Benefits program alongside The Black Car Fund, which has enrolled tens of thousands of New York for-hire drivers at no cost to them.
Yuzu Health
Yuzu Health is a New York-based healthtech company that rebuilds the administrative backbone of health insurance into a single, white-labeled system of record. Operating as a vertically integrated third-party administrator (TPA), Yuzu runs the behind-the-scenes engine for claims processing, payments, and member administration, letting insurers, brokers, and self-funded employers launch highly configurable plan designs - direct provider contracts, cash-pay options, and dynamic copays - without the heavy services burden of legacy administrators. Founded in 2022, the company works with customers across all 50 states and has processed more than $1 billion in claims payment volume.
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.
Rovi Health
Rovi Health is a New York-based digital health startup (Y Combinator F25) that gives employer health plans an AI-powered, text-first care concierge. Members text a nurse-guided clinician who treats common conditions virtually, then steer them to high-quality, in-network providers using terabytes of price and quality data - catching expensive care before it is scheduled. Founded in 2025 by brothers Santosh and Tarun Vallabhaneni, Rovi claims employers can cut 10-20% of annual healthcare spend while employees get concierge-level care.
Accorded
Accorded is a San Francisco-based healthcare actuarial intelligence company that pairs actuarial expertise with software to simplify and scale value-based contracting. Its platform helps payers, providers, and digital-health companies forecast, contract around, and validate the financial value of care across the value-based contracting lifecycle. Founded in 2019 (originally as Cerebrae) by health actuary Frank Cheung and engineer Thomas Bedington, the company's flagship product, Acumen, turns raw claims, eligibility, and engagement data into standardized, actuarially rigorous, ready-to-use data assets so analytics teams can spend less time wrangling data and more time on strategy.
Chapter
Chapter is an AI-native Medicare advisory platform that helps older Americans choose the right Medicare and retirement healthcare coverage. Instead of acting as a commission-driven marketplace, Chapter reviews plans from every insurance carrier nationwide and pairs that data with licensed, independent advisors to deliver unbiased recommendations. Founded in New York in 2020, the company has supported more than 500,000 enrollees and crossed $100 million in annual recurring revenue.
Curative
Curative is an Austin-based health insurance company that pivoted from being one of the largest U.S. COVID-19 testing providers into an employer-sponsored health plan with a simple promise: $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care, provided members complete an annual preventive Baseline Visit. Founded in 2020 by Fred Turner, Isaac Turner, and Vlad Slepnev, the company packages insurance, pharmacy, telehealth, and care navigation into a single monthly premium aimed at removing the financial friction that keeps people from using their coverage.
Garner Health
Garner Health is a New York-based healthcare technology company that analyzes billions of medical claims to identify the highest-performing doctors, then pairs that data with employer-funded financial incentives so employees can see top providers at a fraction of the out-of-pocket cost. Founded in 2019 by Nick Reber, the company combines a member-facing care navigation app and concierge with a provider analytics engine (Garner DataPro / Garner Research Agent) used by employers and health plans to cut healthcare spend while improving outcomes.
HealthSherpa
HealthSherpa is the largest private enrollment platform for Affordable Care Act (ACA) health insurance in the United States. Born in 2013 as a faster, cleaner alternative to a glitchy HealthCare.gov, it now helps millions of Americans shop, compare, and enroll in subsidized marketplace plans in about seven minutes, while giving tens of thousands of agents and brokers free tools to manage their books of business. The company runs a federally approved Enhanced Direct Enrollment (EDE) platform used by consumers, insurance carriers, and agencies alike.
Surest
Surest is a UnitedHealthcare employer-sponsored health plan that strips out deductibles and coinsurance and instead shows members clear, upfront prices for care before they book it. Founded in 2016 as Bind in Minneapolis, the plan lets people compare providers and treatment options by cost and quality through an app, then pay a single known copay. Rebranded from Bind to Surest in 2022 after UnitedHealthcare took majority ownership, it has grown into the fastest-growing plan in UnitedHealthcare's book, serving close to one million members across employers from family businesses to the Fortune 100.
Thatch
Thatch is a San Francisco health benefits platform that lets employers give workers a tax-free monthly healthcare budget instead of a one-size-fits-all group plan. Employees shop a marketplace for their own medical, dental and vision coverage, then spend any leftover budget on care through a Thatch debit card. Built around ICHRA - a 2020-era IRS rule - the company aims to unbundle health insurance from a single employer plan and hand the choice back to individuals. Since launching in 2023 it has served more than 1,000 businesses and raised about $84.5 million across seed, Series A and Series B rounds.
Noyo
Noyo is a San Francisco-based benefits data platform that uses APIs and AI to connect insurance carriers, benefits administration software, and HR teams. It turns the slow, error-prone exchange of employee benefits data into real-time, automated connections, eliminating manual data entry and coverage-impacting errors across the benefits ecosystem.
SimplyInsured
SimplyInsured is an online health insurance marketplace and benefits administration platform built for small businesses. It lets owners shop, compare, and enroll in medical, dental, and vision plans from 200+ carriers in minutes, then automates employee deductions and payroll syncing - all at no cost beyond the regular premiums. The company powers embedded health benefits inside Square, Gusto, Check, and Patriot payroll.
Catch
Catch is a benefits platform built for the more than 50 million Americans who work for themselves and have no employer to hand them a health plan. It helps freelancers, contractors, gig workers and solopreneurs find, compare and enroll in health, dental and vision insurance, applying tax credits instantly so coverage costs less. The service is free to users. Founded in 2019 as a Y Combinator startup, Catch raised about $20M, was wound down by its original founders in early 2023, then bought and relaunched the same year by two operators who personally believed independent workers deserved a real safety net.
Zorro
Zorro is an AI-powered ICHRA platform that swaps rigid group health plans for a defined-contribution model - think 401(k), but for health insurance. Employers set a budget, employees get a personal allowance, and Zorro's decision-support engine helps each person pick an individual plan that actually fits their doctors, medications, and wallet. The platform serves employers, employees, and the brokers who sell to them, and clients have averaged over 20% premium savings versus traditional group coverage.
Clover Health
Clover Health is a Medicare Advantage insurer that runs on software. Its flagship platform, Clover Assistant, feeds physicians AI-driven, point-of-care insights drawn from millions of health data points so they can catch chronic disease earlier and treat it cheaper. After a rocky SPAC debut in 2021, the company reached adjusted EBITDA profitability in 2024, grew Medicare Advantage membership past 150,000, and is guiding to its first-ever full-year GAAP net income in 2026.