self-funded-employers
(3)
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.
Collective Health
Collective Health is a San Francisco-based health benefits technology company that operates an integrated platform for self-funded employers. It brings medical, dental, vision, pharmacy, and digital health partners together in one system, pairing claims administration with a member app, care navigation, and analytics so employers can control costs while making coverage easier for employees to understand, navigate, and pay for.
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.