insurance-claims
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OrthoFi’s bet: let patients choose how they pay
A pair of orthodontists questioned the rules of getting paid. OrthoFi turned their answer into software, a payment slider, and a team that chases the paperwork so practices can start more treatment.
The Most Expensive Part of a Repair Is the Waiting
A broken van can sit for days before anyone turns a wrench. ServiceUp has built a business around the calls, approvals and invoices that fill that silence.
Matthew Lu Learned to Move Fast Without Leaving Kindness Behind
The Reserv founding leader treats urgency as a discipline, rest as part of the job, and kindness as operating infrastructure. His route from a Dartmouth fundraiser to a 600-person insurtech suggests that speed works best when trust gets there first.
CJ Przybyl Keeps Rebuilding the Machinery Behind the Claim
Two companies, one stubborn thesis: fix the operating system of insurance claims before asking software to perform miracles. At Reserv, that habit has become a plan to move from 500,000 complex claims a year to 30 million.
The Restoration Company Betting That Less Demolition Is Better Business
Platinum Pro-Claim Restoration makes money cleaning up chaos. Its sharper idea is that the cheapest, fastest and greenest piece of a rebuild may be the thing you never tear out.
The Windshield Became a Computer. Safelite Built the Service Network Around It.
A rock chip used to be a glass problem. Now it can involve cameras, software, insurance and a technician at your driveway - which explains why Safelite's most valuable product may be coordination.
No Gecko, No Jingle: The Second-Chance Car Insurer Run From a Chicago Suburb
Founded in 1959 and still run by the Parrillo family, Safeway Insurance built a business worth hundreds of millions on the drivers big-name carriers pass over - sold through local agents, priced to be affordable, and advertised almost not at all.
Crawford & Company
For 85 years, Crawford & Company has made a business of the difficult middle between loss and recovery. Its next act pairs thousands of adjusters, nurses and contractors with software built to make claims move faster - without pretending the human judgment can be automated away.
Cozmo AI
Cozmo AI (formerly CozmoX AI) builds multimodal 'AI employees' that answer calls, read documents, and complete regulated business processes end to end for financial services, insurance, and enterprise operations. Founded by Alok Kumar and Nuha Hashem - the team behind the Gen Z neobank Zywa - the Y Combinator W22 company runs from San Francisco and Dubai, and says its agents handle voice conversations in 70+ languages including multiple Arabic dialects.
Joyful Health
Joyful Health is a New York-based health-tech company building AI-powered financial infrastructure for healthcare revenue. Its platform connects fragmented revenue cycle systems - EHRs, billing software, clearinghouses, payer portals, and bank deposits - into a single structured view of every claim's lifecycle, then pairs AI with experienced revenue cycle operators to investigate denials, file appeals, and recover unpaid and underpaid insurance claims. The company targets the roughly $125 billion U.S. providers lose to denied and underpaid claims each year and charges on a performance basis tied to recovered revenue.
Mighty
Mighty is a New York technology company using AI to help accident victims value and settle their personal injury claims without necessarily hiring a lawyer. Founded in 2015 by attorney-entrepreneur Joshua Schwadron, the company spent years building software and capital tools for the litigation-finance industry before pivoting to a free, direct-to-consumer AI platform that collects accident records, produces a 'Live Estimate' of a claim's value, and negotiates settlements with insurers - offering claimants a 'third option' between surrendering a third of their payout to a lawyer or negotiating alone.
Joshua Schwadron
Joshua Schwadron is the founder and CEO of Mighty, a New York legal-technology company reworking how injured people navigate the personal injury system. A lawyer turned repeat entrepreneur, he built and sold the consumer marketplace Betterfly, co-founded a litigation-finance firm, then launched Mighty in 2015. He is known for publicly picking a fight with what he calls 'billboard lawyers,' and in 2026 Mighty launched a free, AI-driven platform that values and negotiates car-accident claims directly for consumers.
Lassie
Lassie is a San Francisco AI company building an autonomous 'AI healthcare admin worker' for independent medical and dental practices. Its agents log into insurance portals, pull reimbursements, reconcile electronic payments, post entries to practice-management systems, handle appeals and enrollments, and flag exceptions for humans - doing the back-office busywork rather than adding review burden. Founded by Robinhood/Coinbase and Superhuman alumni, Lassie operates in 700+ practices across 49 states and raised a $35M Series A led by Andreessen Horowitz in June 2026.
XBuild
XBuild is a San Francisco-based AI-native estimating platform for the construction industry, founded by former Uber and Postmates executives Jahan Khanna and Rob Moran with civil engineer Sharuk Khanna. Its agentic, chat-based system turns measurement reports and site photos into standardized, editable, code-compliant estimates in minutes. After launching an insurance-focused estimating product in 2025, XBuild says it has run 15,000+ projects representing roughly $250M in construction value and saved contractors 40,000+ hours. In January 2026 the company raised a $19M Series A led by N47, with Rackhouse Ventures and Andreessen Horowitz, to expand from roofing into concrete, painting, HVAC, plumbing and other trades.
Apero Health
Apero Health is a San Francisco-based, Y Combinator-backed healthcare software company that folds scheduling, clinical visit notes, revenue cycle management, patient billing, e-prescriptions, and financial reporting into a single API-first platform. Founded in 2019 by Jacinda and Nick Shelly, Apero aims to bring transparency and speed to the notoriously opaque business of getting doctors paid - promising implementation in under a day, claim denials cut through custom validation rules, and payer enrollment across all 50 states.
Finch
Finch is a New York-based legal technology company building an AI-powered pre-litigation team for personal injury law firms. It pairs purpose-built AI agents with experienced, U.S.-based bilingual paralegals to automate the administrative grind of pre-litigation - intake, claim setup, medical record and police report retrieval, lien management, and demand drafting - so firms can take on far more clients without adding headcount. Founded in 2024 by former DoorDash and Google operators, Finch raised a $20M Series A in October 2025 led by Redpoint, with backing from Sequoia Capital and a roster of operator-investors.
Hover
Hover is a San Francisco-based AI and computer vision company that turns smartphone photos into accurate, interactive 3D models of properties — complete with measurements, material takeoffs, and design visualization. Serving 300,000+ construction and insurance professionals, and trusted by 9 of the top 10 U.S. insurance carriers, Hover has digitally reconstructed over 22 billion square feet of property. Its platform compresses what used to be hours of manual estimation into minutes, enabling faster insurance claims, more accurate contractor bids, and immersive homeowner design experiences.
VELMENI
VELMENI is a Sunnyvale-based dental AI platform that uses computer vision and deep learning to analyze 2D and 3D dental radiographs in real time. Its FDA-cleared flagship product, VELMENI for DENTISTS, is the first dental AI approved to detect pathologies in panoramic X-rays — catching caries, bone loss, and other findings that experienced clinicians miss roughly one-third of the time. Beyond diagnostics, the platform automates insurance claims, enables voice-assisted periodontal charting, interprets CBCT scans, and delivers VR-based patient education, all from a single integrated workflow. Founded in 2020 by CEO Mini Suri and Chief Dental Officer Dr. Arvin Oberai, the company has been beta-tested by over 1,300 dentists across 500+ practices in 50+ countries.