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    "name": "Gusto",
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    "all_locations": "San Francisco, CA, USA",
    "long_description": "Launched in 2012 as ZenPayroll, Gusto serves more than 300,000 businesses nationwide. Each year we process tens of billions of dollars of payroll and provide employee benefits—like health insurance and 401(k) accounts—while helping companies create incredible work places.\r\n\r\nThrough one refreshingly easy, integrated platform, we automate and simplify your payroll, benefits, and HR, all while providing expert support. You and your employees will get the peace of mind you need to do your best work.",
    "one_liner": "Provides growing businesses with everything to take care of their team",
    "team_size": 2400,
    "industry": "B2B",
    "subindustry": "B2B -> Human Resources",
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      "Payroll",
      "Health Insurance"
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    "batch": "Winter 2012",
    "status": "Active",
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      "Human Resources"
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      "Partly Remote"
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    "question_answers": [
      {
        "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)",
        "answer": "Josh, Eddie, and I actually met completely by chance. I moved to the US for the Electrical Engineering PhD program at Stanford and just a couple of months in, I got paired up together with Josh through Stanford’s alumni mentorship program. Josh and Eddie went to Stanford EE together a few years earlier, but got reconnected after randomly when Eddie made a wild decision to run a half-marathon – with zero training – just to win a bet (!). Josh, Eddie and I bonded over our experiences growing up around small businesses, and starting past startups on our own. My dad has owned a small clothing store in Haifa for over 30 years now and I grew up helping in the store after school every day, and experiencing the small business ups and downs around the family dinner table every evening. Eddie had a similar experience with his family’s medical practice in Southern California. Finally, Josh, Eddie and I had started our own startups previously (none as successful as Gusto), and realized that our passion is solving real problems for real people and having a long-term positive impact through technology.We loved the idea of helping small businesses – the underdogs – thrive and succeed, and hated the fact that only “big enterprise” companies use technology internally for their advantage. It wasn’t fair and we wanted to fix it. What sparked the original idea behind Gusto was Eddie growing up and seeing his mom manage payroll for their medical practice. She had been doing every payroll by hand for over two decades. It was time-consuming, tough, and error-prone, with the practice paying as much as $200,000 in tax penalties over the years, up until we launched Gusto. One of the most rewarding parts of our journey was seeing her finally running payroll without having to physically be in the office – freeing her up to go on vacation while still being able to run payroll if she needed to. We realized that if we do a great job with payroll, we’ll have the most accurate system of record for our customers’ employees, which then will enable us to solve many more important problems like onboarding, time tracking, benefits, compliance, HR, and more. We’ve since kept on this vision and have built Gusto’s People Platform which helps over 300,000 businesses across the country start and grow their teams while building a great place to work – from the moment they’re hired, until their last day. We still feel like we’re in the super early stages of the company as our vision is much broader – to create a world where work creates a better life."
      },
      {
        "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?",
        "answer": "We first decided to apply to YC based on Eddie’s recommendation. He had had a great experience with YC as part of a previous startup he founded, Picwing. We knew that the YC association could help us hire strong engineers, have a supportive community of founders we get inspired by, and gain early momentum. Being part of a YC batch was a high intensity experience. We lived together and worked 24/7 to build a Minimal Loveable Product and earn the trust of some early customers, all before Demo Day. Demo Day is a fantastic opportunity to meet hundreds of serious investors interested in funding companies. It’s up to you to give them a reason to fund you – but if you take advantage of that moment, it can really be a gamechanger for your startup.Overall, YC was a big part of Gusto’s early growth. It has a strong community of technical leaders and operators, so it helped us hire engineers faster and grow more quickly during Gusto’s early days. But not only is YC a great way to attract top talent – it also connects you to a community of similar-minded founders and helps you build long-term, lasting friendships. "
      }
    ],
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    "year_founded": 2011,
    "city": "San Francisco",
    "country": "US",
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        "full_name": "Josh Reeves",
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        "founder_bio": "We're on a multi-decade mission at Gusto to create a world where work empowers a better life. Building for the long term. [We're hiring!]",
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        "full_name": "Edward Kim",
        "title": "Founder/Empowering Gusto's Engineering Team",
        "founder_bio": "Co-founder and Head of Engineering at Gusto",
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        "title": "Founder/; Empowering Gusto's Product and Design Teams",
        "founder_bio": "Co-founder at Gusto (YC W12). Optimist. Family guy.",
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        "title": "Gusto’s path to $1 billion in revenue, milestone-by-milestone | Fortune",
        "url": "https://fortune.com/2026/05/07/gusto-one-billion-revenue/",
        "date": "May 07, 2026"
      },
      {
        "title": "Gusto launches $200 million–plus tender offer | Fortune",
        "url": "https://fortune.com/2025/06/09/gusto-200-million-plus-tender-offer/",
        "date": "Jun 09, 2025"
      },
      {
        "title": "Gusto reaches $500M in trailing revenue, teams up with Remote to support international hires | TechCrunch",
        "url": "https://techcrunch.com/2023/06/27/gusto-remote-deal-500m-revenue/",
        "date": "Jun 27, 2023"
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      {
        "title": "How HR-Tech Startup Gusto Won Over Investors and Small Businesses",
        "url": "https://www.businessinsider.com/how-hr-tech-startup-gusto-won-over-investors-small-businesses-2022-9",
        "date": "Sep 22, 2022"
      },
      {
        "title": "Why Gusto decided to acquire Ardius, Symmetry, Remote Team - Protocol",
        "url": "https://www.protocol.com/fintech/how-decided-gusto",
        "date": "Sep 14, 2022"
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    "name": "HealthSherpa",
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    "all_locations": "New York City, NY, USA; Brooklyn, NY, USA",
    "long_description": "Eligible is the nation's first insurance billing platform built for builders. Founded in Mountain View California in 2011, Eligible's platform gives bootstrapping healthcare startups the scale of enterprise, and the Fortune 500s the agility of the hungry entrepreneur.  Eligible has been listed as one of Business Insider’s 19 Hottest Startups to Watch and Katelyn has been featured in Forbes 30 Under 30 in Healthcare, Fast Company's Most Creative People in Business, and was named a Rising Star of Healthcare by Becker’s IT & CIO Review. ",
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        "body": "### **TL;DR**\n\nFairway Health is an AI assistant for health insurers to quickly process patient treatment authorizations. We use LLMs to analyze long (70+ page), messy medical records and determine if a patient is eligible for a treatment.\n\n### **What is Prior Authorization?**\n\nPrior Authorization is a process where physicians must obtain approval from a patient’s health insurance plan before a specific treatment or medication is delivered. This process can take an **average of 2-14 days, with some cases taking upwards of 15-31 days**. This prevents patients from receiving necessary treatments in a timely manner. The entire healthcare industry is also projected to **spend $36 billion each year** in administrative costs for this process. \n\n**This process for health insurance is still manual and inefficient:**\n\n1. Patient documents sent to health insurance are a mess and can be a **70-100+ page fax.**\n2. Health insurance companies have to **allocate more headcount to try and manually check these documents** against their medical necessity criteria, costing them millions each year.\n\n### **How it works:**\n\nWe speed up the medical eligibility determination for health insurers. We ingest patient documents + criteria from health insurance plans and use LLMs to output an approval/denial decision with justification based on an evaluation of each sub-criteria. We also highlight the context within the medical document that informed the decision to allow for easy review.\n\n![uploaded image](/media/?type=post&id=70364&key=user_uploads/1096888/fceffbb3-e71a-4523-a0a9-df7c73f34c76)\n\n### **Our ask:**\n\nAre you in health insurance or do you know anyone in health insurance? Ping us at [moses@fairwayhealth.co](mailto:moses@fairwayhealth.co). We would love to get connected and hear if we can help speed up your medical necessity determination process.",
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    "long_description": "Loula is a software platform and national provider network for independent birth & postpartum doulas to boost their practices by accepting health insurance. Doulas typically operate outside of the traditional healthcare system and face an enormous learning curve and administrative burden when trying to accept insurance. This is why we created Loula. Starting with doulas in California, Loula handles their credentialing, contracting, and revenue cycle management so that they can focus on delivering the best quality care to their clients.",
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        "id": 69549,
        "title": "Onu - Turn scripts into internal tools without doing any frontend work",
        "tagline": "Onu takes away the pain of building complex frontends for internal tooling with script automation and auto-generated UIs.",
        "body": "**tl;dr:** Onu is a developer-first tool that allows engineers to turn the repetitive scripts and workflows they're asked to run for their ops or CX teammates into production-ready internal tools. Onu doesn’t require any frontend work at all, so developers can spend their time writing business critical code instead of building or dragging/dropping frontend components. Sign up for our [waitlist](https://joinonu.com/?utm_source=yclaunch) for early access!  \n\nHi everyone! We’re Lindsey and Chine, and we’re excited to announce [Onu](https://joinonu.com/?utm_source=yclaunch)! \n\n![uploaded image](/media/?type=post&id=69549&key=user_uploads/838199/d4e8ff75-31ac-445a-ac37-c428f4f503a0)\n\nChine and Lindsey are both software engineers who met 5 years ago when they started working at Lyft. \n\n[Chine](https://www.linkedin.com/in/chineikoro/) worked as an engineer at Bain before working at Lyft on the bikes & scooters team. After Lyft, Chine went to Stripe where she worked on banking-as-a-service, corporate cards, and payment links.\n\n[Lindsey](https://www.linkedin.com/in/lindsey-redd/) worked on developer infrastructure and observability at Lyft before leaving to work at Stripe where she worked on low-code/no-code payments on the checkout and payment links teams. \n\n## 😢 **Problem**\n\n* **Tasks that involve both engineering and ops/CX are disjointed and time consuming.** Engineers spend too much time writing and running one-off scripts (e.g. fixing an out-of-sync user account) and ops/CX are often blocked by engineering.\n* **Building internal tools (even with low-code/no-code saas) takes a lot of frontend work.** As a result, building the tool stays in the backlog and engineers & ops keep schlepping through tasks.\n\n## **🥳 Our solution**\n\nOnu is a developer-first tool that allows engineers to quickly turn their ops/CX-related scripts or workflows into production-ready internal tools without having to write any frontend code at all.\n\n* **Spin up internal tools quickly** using the scripts you’ve already written, spending **zero time on frontend development.**\n* **See logs of each task’s previous executions** to keep track of when it was run, who ran it, and the result\n* Run scripts in your own environment but **without having to SSH into production**\n* **Use built-in integrations** to easily add actions to your tasks like posting to Slack, sending an email, or generating a Linear issue\n\n**🤯 You can use Onu to…**\n\n* **Onboard** **new users** to your product and then send them a welcome **email** \n* **Cancel a subscription**, refund the customer, and then update your **CRM**\n* **Fix an out-of-sync user account** and then notify a **Slack** channel of the fix\n\n![uploaded image](/media/?type=post&id=69549&key=user_uploads/838199/3c3d3105-f01e-46a2-b5ea-b38d019b23c9)\n\n## **🌱 Why we built Onu**\n\nWe experienced these problems firsthand while working on fast moving engineering teams at Lyft and Stripe. Our teams needed internal tooling, but we didn’t have time to build feature-rich admin dashboards. Stripe had a homegrown tool that allowed engineers to spin up internal tools without writing frontend code. When we started working on Onu with a different idea we immediately felt the pain of not having a similar tool. \n\n## **🙌🏾 Asks**\n\n* **Sign up** - Join our [waitlist](https://joinonu.com/?utm_source=yclaunch) for early access! We’ll reach out with sign up instructions.\n* **Intros** - Do you know an **engineer, customer experience/ops lead, or startup founder** struggling to manage the workload between ops and engineering? We’d love an introduction. Shoot us an email at [founders@joinonu.com](mailto:founders@joinonu.com) or DM Lindsey on Twitter [@reddyourmind](https://twitter.com/reddyourmind?s=20) if you have someone in mind.\n\n  _\\*forwardable blurb:_ [Lindsey](https://www.linkedin.com/in/lindsey-redd/), and [Chine](https://www.linkedin.com/in/chineikoro/), a team of ex-Stripe software engineers, are building a developer tool called [Onu (YC W23)](https://joinonu.com/?utm_source=yclaunch) to turn scripts and workflows executed for ops and CX teams into internal tools, zero frontend work required. If you’re interested in learning more, feel free to email them at [founders@joinonu.com](mailto:founders@joinonu.com).\n\n \n\n## **⚒️ Offer**\n\n* If you have any manual or repetitive tasks or scripts, we will migrate them onto Onu for you. You'll have a production-ready internal tool with minimal work.\n* We’ll prioritize the integrations (e.g. Linear, Discord, email) you need in order to make Onu a powerful addition to your toolkit.\n\n ",
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        "full_name": "Sten Sjöberg",
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        "full_name": "Kevin Kim",
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        "founder_bio": "Founder @ Remy Security. Previously SWE at ExtraHop, Rice CS.",
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        "id": 72542,
        "title": "Remy Security - AI-powered security design reviews",
        "tagline": "Reduce the cost and effort of proactively securing product.",
        "body": "Hi everyone! We’re [Sten](https://www.linkedin.com/in/stensjoberg/) and [Kevin](https://www.linkedin.com/in/minhwan/), founders of [Remy Security](https://www.remysec.com).\n\n**Remy helps security teams conduct security design reviews more quickly and effectively.** Using LLMs to analyze the design documents, Remy generates targeted insights and questions to raise to the authors.\n\n### Problem\n\nSecurity design reviews are essential during the software development cycle as they mitigate risks before they become problems down the line. It’s more expensive to address breaches than it is to look for potential weaknesses at design time.\n\n**It’s difficult and expensive to review designs.** The types of threats that the reviewer must consider are endless, and it’s easy to miss key risk areas even for experts. Security team and engineering team members must meet in order to discuss the design’s context and the risks that need to be addressed. Such meetings are expensive, time-consuming, and often disorganized.\n\n**Security teams are understaffed.** A 1:60 ratio is common for headcount between security and engineering staff. With such a skew, security teams often struggle to keep up with requests, forcing them to skip reviews or delay the development lifecycle.\n\n### Solution\n\nRemy finds designs that the security team should be aware of and makes a first pass at reviewing them using LLMs. It hands off its assessment to members of the security team, who make the final judgements on what questions/comments need to be raised in the document.\n\nUsers can view a list of designs to review, view their risk levels, and prioritize the most important ones to work on.\n\n![uploaded image](/media/?type=post&id=72542&key=user_uploads/1360703/5de6450e-ab7f-4fab-ae7f-8c1e9816da45)\n\nFor each document, Remy generates questions and feedback for you to send to the authors. Leveraging LLMs, Remy provides targeted insights into the specific risks of each design.\n\n![uploaded image](/media/?type=post&id=72542&key=user_uploads/1360703/767b3d20-1fb2-4a06-84e0-8c60a0f7aeac)\n\n![uploaded image](/media/?type=post&id=72542&key=user_uploads/1360703/d13cf468-9a97-446b-83e3-8d3aa3a4a254)\n\n### Asks\n\n* Do you work with security reviews? [Get in touch and let us know how we can help](https://www.notion.so/9d05093eec4642b7a433edad066b35ba?pvs=21) or [sign up for early access](https://remysec.com/early-access)!\n* Know someone who does security reviews? Please share this launch with them!",
        "url": "https://www.ycombinator.com/launches/Is2-remy-security-ai-powered-security-design-reviews",
        "votes": 30,
        "created_at": "2023-06-26T15:44:30.053Z"
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        "full_name": "Anuhya Vajapey",
        "title": "Founder",
        "founder_bio": "Background in ML in Healthcare, strategy at McKinsey, product at F5. Currently building in senior care space.",
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        "full_name": "Juan M Ochoa Ortiz",
        "title": "Founder",
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    "id": 29085,
    "name": "Quill Bills",
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    "long_description": "Quill Bills is a medical billing company that works with healthcare providers to significantly lower billing costs and recover denied claims.\r\nOur platform performs much of a biller's job autonomously, and we sell this platform to private practice doctors and medical MSOs.",
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    "subindustry": "Healthcare -> Healthcare IT",
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    "country": "US",
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        "full_name": "Gabriel Banks",
        "title": "Founder",
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        "user_id": 820106,
        "full_name": "Kartik Donepudi",
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        "founder_bio": "Quill AI, Computer Science and Economics at MIT",
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        "id": 90846,
        "title": "Founding Business Development",
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        "equity_range": "0.10% - 0.50%",
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      {
        "id": 93732,
        "title": "Quill Bills: AI billing that makes doctors more money!",
        "tagline": "Transparent, Fast, and Affordable Medical Billing Agency",
        "body": "\n**The Problem**\n\nRight now, every doctor in the US pays for human billers. Some of them outsource it to a billing agency which charges them anywhere from 2% to _10% of total revenue_. (that’s crazy!)\n\nThat on its own is expensive, but there’s also another problem: Since processing bills is expensive, up to **30%** of all claim revenue is denied by health insurance companies, and no follow up is made by the biller to fight it.\n\n**The Solution**\n\nDoctors in the US right now are being charged up to 10% on their bottom line and losing up to 30% of their top line revenue.\n\nWell, we’ve figured out how to fix this problem, by making it a lot cheaper to do billing. We’ve figured out how to do it (nearly) all with AI. We have a team of human billers to do manual checks, but they can process orders of magnitude more claims than a biller doing it manually (which is all of them right now).\n\nThis means we can not only charge lower fees, but also we have more bandwidth to fight that 30% denial rate! So we typically end up making doctors more money.\n\nWe’ve got decades of billing experience on our team, and are already deployed with clinics and hospitals in the US processing millions of dollars in annual claim revenue.\n\n**Offer for Doctors**\n\nIf you or somebody you know is a doctor, we can help them make up to 30% more money every year!\n\nWe have a limited offer for the next 10 clinics/hospitals we bring on: **We’ll do your billing as a white-glove service for a flat 1.8% fee (+ no onboarding fee)**. This is way below market price. Just tell them to ask for the YC discount.\n\n**Links**\n\nhttps://quillbills.com\n\n**Asks**\n\nPlease send us any doctors you know! Doctors who own their own practices are our happiest customers.\n\n![uploaded image](/media/?type=post&id=93732&key=user_uploads/89898/609faa41-c675-45cf-b5f1-c7cbf7c57fd8)\n\n",
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        "created_at": "2025-09-10T00:32:22.403Z"
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        "title": "Quill AI: A 10x more efficient equity research platform",
        "tagline": "Turn PDFs into spreadsheets, export data with citations, and get up to speed on earnings performance within seconds of release",
        "body": "**tl;dr** We are using LLMs to speed up the equity research process by taking the pain out of working with financial filings.\n\n**Problem 1:** **Pulling tables from SEC filings**\n\nThe de-facto current solution is a tool called BamSEC. However, there are a couple of problems with it: a) They don’t provide citation links to their numbers, and b) To merge data from previous filings, you can only do it one table at a time.\n\nQuill solves both these problems. Take a look:\n\n![uploaded image](/media/?type=post&id=81746&key=user_uploads/1188332/a0ad69cc-e3d1-44e3-be24-11b74b4c7147)\n\n**Problem 2: PDFs → Excel is painful**\n\nThis flow normally involves a lot of number-by-number copy-pasting. Quill lets you skip that and turn any PDF into a spreadsheet (extracting all reported numbers and tables) – with citation links for each number.\n\n![uploaded image](/media/?type=post&id=81746&key=user_uploads/1188332/e60269ce-c233-48e5-a639-b4bf03e5d709)\n\n**Problem 3: Earnings season is extremely hectic**\n\nEvery quarter, companies report earnings and investors have to quickly digest the performance, guidance, and Q&A sections of the earnings calls for each of their 20-40 portfolio companies before forming an investment opinion.\n\nQuill lets you digest these sections in an instant. Instead of reading through the raw calls, you get a dashboard that explains the main reported performance and guidance metrics, the key points in management’s commentary, and the key concerns of Wall Street analysts.\n\nFaster workflows mean you can cover more companies per quarter.\n\n![uploaded image](/media/?type=post&id=81746&key=user_uploads/1188332/bf27d425-881e-4da3-8c2d-373a4eff5244)\n\nWe’ve been working hard on these features and would love to get the word out! If you know people who work in:\n\n* Hedge funds\n* Investment banks\n* Equity research\n\nWe’d love to talk to them!\n\nOur website is <https://quillai.com>\n\nReach out to us at [founders@quillai.com](mailto:founders@quillai.com)\n\nBest,\n\nGabriel and Kartik",
        "url": "https://www.ycombinator.com/launches/LGU-quill-ai-a-10x-more-efficient-equity-research-platform",
        "votes": 27,
        "created_at": "2024-06-25T21:56:44.151Z"
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      {
        "id": 72889,
        "title": "Quill AI: The financial research assistant",
        "tagline": "Meet Quill, the tool that makes financial research a breeze.",
        "body": "**TLDR:** We let investors a) extract information from SEC filings just by asking, and b) screen stocks much faster. If you have friends in finance who want to get more sleep this week, send them to [quillai.co](http://quillai.co)!\n\nQuill AI lets you search through SEC filings and screen stocks on command. And we don’t just summarize the information - we point you right to the source, making it easy to audit the results.\n\n**The Problem(s)**\n\n* Investors spend hours reading SEC filings looking for key bits of information to use in their models/reports.\n* Existing AI info extraction tools don’t cite sources very well - making them difficult to audit. They also aren’t tuned for financial filings.\n* Current stock screeners require an annoying filtering process to produce meaningful lists of investment opportunities.\n\n**The Solution**\n\n* Quill’s web app, which lets you search for key pieces of information across financial documents in Q&A format.\n\n![uploaded image](/media/?type=post&id=72889&key=user_uploads/820106/c53e2745-e899-4fbe-90c3-341f984067b5)\n\n* Quill’s natural language screener, which lets you ask for stocks matching your desired criteria.\n\n![uploaded image](/media/?type=post&id=72889&key=user_uploads/820106/dec91582-cca8-4c34-ab17-bec911fe7fba)\n\n**Our Ask**\n\n* If you’re an investor or you work in finance, give Quill a shot at [quillai.com](http://quillai.com) – we’re giving users a 7-day free trial. \n* Try the tool. If you think your whole team could benefit from it, send us a message at [founders@quillai.com](mailto:founders@quillai.com) and we’ll get you up and running.\n\nThank you!",
        "url": "https://www.ycombinator.com/launches/Ixd-quill-ai-the-financial-research-assistant",
        "votes": 125,
        "created_at": "2023-07-09T19:28:15.075Z"
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    "name": "Eden Care",
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    "all_locations": "Nairobi, Nairobi County, Kenya",
    "long_description": "Eden Care is building the claims infrastructure for African health insurance ",
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    "year_founded": 2022,
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    "country": "KE",
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      "name": "Tom Blomfield",
      "url": "https://www.ycombinator.com/people/tom-blomfield"
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        "user_id": 584359,
        "full_name": "Moses Mukundi",
        "title": "Founder",
        "founder_bio": "I founded my first startup, an agritech startup,  at 23 that scaled to profitability and was acquired in 2017. I spent 6 years in the insurance and healthcare verticals in Africa before pursuing my MBA at Wharton Business School. ",
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        "linkedin_url": "https://linkedin.com/in/mosesmukundi",
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      {
        "title": "Eden Care: Y Combinator's latest health insurance bet in Africa",
        "url": "https://techcabal.com/2023/08/26/eden-care-medical-y-combinators-latest-health-insurance-bet-in-africa/",
        "date": "Aug 26, 2023"
      },
      {
        "title": "Eden Care becomes first Rwandan company to join Y Combinator",
        "url": "https://www.benjamindada.com/eden-care-y-combinator-first-rwandan/",
        "date": "Jul 04, 2023"
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      {
        "id": 72392,
        "title": "Eden Care - Digital health insurance for employers in Africa",
        "tagline": "Saving employers time and money with better, cheaper health insurance",
        "body": "**Tl;dr:** Eden Care offers digital health insurance to employers in Africa. We are making health insurance cheaper by building a new tech stack that reduces the cost of insurance operations by 43%. In 6 months since launch, we have $2.1M in gross premiums and growing 100% month-on-month. Check out [Eden Care](https://www.edencaremedical.com/) today.\\\n—\n\nHello, I am Moses Mukundi, and my team and I are building [Eden Care](https://www.edencaremedical.com/). We are on a mission to provide access to affordable quality health insurance to the 90 million uninsured African employees. See some of our team below:\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6d025c95-c4e5-41e1-9052-b7f58978a690)\n\n**Problem: Underserved**\n\nAfrican insurance cost of operation (claims, distribution, and fraud cost) is 2.2x the global average resulting in expensive insurance. No wonder, health insurance penetration in Africa is 0.2%, 15x lower than emerging market peers. \n\nThis $11 billion industry hasn’t modernized (manual, limited customer insights, and high fraud waste and abuse) and has largely focussed on large companies and high network individuals, leaving out the majority of Africans. There’s a need for a new solution for Africans to increase health insurance uptake.\n\n**Our Solution: Digital infrastructure that automates the entire value chain**\n\nEden Care is a full-stack licensed health insurer. We are building a new tech that reduces our cost operation by 43% resulting in cheaper cover. \n\nWe have deployed tech infrastructure across 3 main users - HR& admin teams, employees, and healthcare facilities. This enables us to automate the majority of our processes reducing cost but also improving customer experience. \n\n**For HR teams**, we provide them with a portal to easily manage the health benefits of their team.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/17e2bd51-fcc1-4ad0-8dff-946759a190b3)\n\n**For employees and their dependents**, we provide them with an app that helps them access and navigate healthcare, participate in Eden Care’s wellness and prevention program, and earn/redeem rewards.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/3aa361ff-2a28-440f-b060-660a4cc70ebd)\n\n**For service providers**, we have provided an end-to-end digital tool that enables them to quickly serve our members and digitally complete all their processes on our system — eliminating the majority of manual processes and paper, automating the majority of the tasks, and saving time and money.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6a47735f-0923-4997-8c72-081a79109571)\n\nWith this data-rich view, we can:\n\n1. automate >90% of all back-end insurance processes enabling us to deliver real-time decision-making and personalized health nudges\n2. intervene at the point of service to prevent fraud, waste, and abuse \n3. deliver better underwriting and products more relevant to user needs.\n4. Develop AI tools to improve stakeholder experience while lowering ops cost even further\n\n**The opportunity: Right time to build Eden Care**\n\n1. 22 Africans will transition to middle-income status by 2030. This transition is associated with a 7x growth in health insurance spend.\n2. SMEs are formalising at a faster rate and buying insurance for their teams for the first time. This is the largest insurance opportunity in Africa and is where Eden Care is positioning itself to be the segment leader. \n3. Rapid digitisation of healthcare facilities and end users is for the first time enabling the deployment of end-to-end digital health infrastructure. \n4. 310 million Africans will be middle class by 2030. The majority are young digital native families buying insurance for the first time. Eden Care is becoming the default insurer for this group.\n\n**Ask: How you can help us**\n\n1. Share this post! Please help spread the word, as you never know who it may help.",
        "url": "https://www.ycombinator.com/launches/Ipc-eden-care-digital-health-insurance-for-employers-in-africa",
        "votes": 19,
        "created_at": "2023-06-20T18:45:31.877Z"
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    "name": "Cair Health",
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    "website": "https://www.cairhealth.com/",
    "all_locations": "San Francisco, CA, USA",
    "long_description": "Cair Health empowers billing companies, care management platforms, EHRs, offshore BPOs, provider groups, and specialty pharmacies with AI-driven RCM solutions.  Our suite of AI Agents helps RCM teams streamline operations, reduce manual costs, and improve consistency—while maintaining full control over core workflows. Cair is trusted by 100+ practices across the country — including iconic VC-backed digital health startups, leading specialty EHRs, and some of the largest billing companies and BPOs\r\n\r\nBacked by Y Combinator, Foundation Capital, Soma Capital, Translink Capital & many others.. ",
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    "team_size": 6,
    "industry": "Healthcare",
    "subindustry": "Healthcare -> Healthcare IT",
    "launched_at": 1690913334,
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      "ML"
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    "batch": "Summer 2023",
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    "regions": [
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    "url": "https://www.ycombinator.com/companies/cair-health",
    "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/cair-health.json",
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    "city": "San Francisco",
    "country": "US",
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        "full_name": "Shehbaz Virk",
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        "full_name": "Ishan Balakrishnan",
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        "equity_range": "0.10% - 0.20%",
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    "id": 29307,
    "name": "Blume Benefits",
    "slug": "blume-benefits",
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      "Blume"
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    "website": "https://www.blumebenefits.com/",
    "all_locations": "San Francisco, CA, USA",
    "long_description": "Blume is a web-based care navigation platform that helps patients understand their health benefits, find the right care, and confidently navigate the healthcare system. Offered through insurance brokers, Blume gives patients easy, free access to personalized support while helping brokers deliver more value to their clients and improve the member experience.",
    "one_liner": "The AI copilot for health insurance brokers.",
    "team_size": 3,
    "industry": "Fintech",
    "subindustry": "Fintech -> Insurance",
    "launched_at": 1706634406,
    "tags": [
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      "AI Assistant"
    ],
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    "top_company": false,
    "isHiring": false,
    "nonprofit": false,
    "batch": "Winter 2024",
    "status": "Inactive",
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    "regions": [
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      "America / Canada"
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    "year_founded": 2023,
    "city": "San Francisco",
    "country": "US",
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        "full_name": "Aditya Joshi",
        "title": "Founder",
        "founder_bio": "Hey! I am Aditya Joshi. I grew up in Wichita, Kansas and have been interested in healthcare since I was 13. I've had the opportunity to work in clinics, labs, hospital systems, and an insurance carrier. Now, I'm excited to be exploring and building for a new, but deeply interesting, facet of the ecosystem: health insurance brokerages.",
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        "linkedin_url": "https://linkedin.com/in/adityajoshi101",
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      {
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        "full_name": "Ethan Hou",
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        "founder_bio": "Founder",
        "is_active": false,
        "linkedin_url": "https://linkedin.com/in/ethan-hou10",
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      {
        "user_id": 1139786,
        "full_name": "Varun Verma",
        "title": "Founder",
        "founder_bio": "Building care navigation tools at Blume.",
        "is_active": false,
        "linkedin_url": "https://linkedin.com/in/tranquilvarun",
        "x_url": "https://twitter.com/TranquilVarun",
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      {
        "id": 77958,
        "title": "🌻 Blume: Back Office Automation for Health Insurance Brokers",
        "tagline": "A unified data platform for brokers to scale their book of business.",
        "body": "Hey everyone! We’re [Aditya](https://www.linkedin.com/in/adityajoshi101/), [Ethan](https://www.linkedin.com/in/ethan-hou10/), and [Varun](https://www.linkedin.com/in/tranquilvarun/) building [Blume Benefits](https://www.blumebenefits.com/).\n\n![uploaded image](/media/?type=post&id=77958&key=user_uploads/827967/523665ce-c9cb-4617-8331-18a90104a8f3)\n\n**TL;DR 📌**\n\nBlume Benefits automates health insurance sales for brokers. Today, health insurance brokers spend an average of **11 hours a week on manual data entry**. Blume helps brokers manage quotes, renewals, and revenue ops all in one place without having to manually enter a single keystroke of data.\n\n**The Problem ❌**\n\nObtaining health insurance is such a complex task that a $104 billion-dollar industry exists to help employers navigate the buying, negotiating, and administering of health insurance for their employees.\n\nHealth insurance brokers, the stewards of these transactions, have to manage thousands of complex relationships every year. From negotiating commissions and quotes with insurance carriers to managing contract renewals and compliance for their clients, health insurance brokers find themselves using a fragmented set of programs to store and manage all of this information. Constantly, data and reminders fall through the cracks resulting in **thousands of dollars in lost commissions**, botched renewals, and an artificially capped book of business.\n\n**The Solution ✨**\n\nBlume was created to streamline the relationships that brokers have to manage with their clients and the insurance carriers they work with. On Blume, brokers can:\n\n* Turn unstructured quotes into presentable and understandable formats for their clients.\n* Automate insurance carrier commission statement reconciliation and revenue recovery.\n* Consolidate information about their customers to prioritize their work, ensure no clients are left underserved, and catch problems with plan designs before employees run into them in the clinic.\n\nBy consolidating all of these tools, we are building toward a world where health insurance brokers spend all of their time helping their clients navigate the complex world of health insurance rather than manually keying in data to Excel, spending hours every week consolidating claims data into actionable insights.\n\n**Why we built Blume 💼**\n\nOver the last few months, we had the opportunity to speak with more than 150 health insurance brokers. One thing was clear, they all were frustrated with the decreasing amount of time they could spend helping their clients due to the growing administrative burden and knew that something had to change. When we set out to find existing solutions to their problems, we saw user interfaces that hadn’t changed in years, manual workflows that increased reporting responsibilities for brokers, and software built to be sold to agency executives, not to be used by individual brokers. We are excited to address these issues with Blume.\n\n**Our ask 👋**\n\nWe’re looking to connect with health insurance brokers looking to grow their book of business. If you are one, know any, or can connect us to yours, please feel free to reach out at [founders@blumebenefits.com](mailto:founders@blumebenefits.com).",
        "url": "https://www.ycombinator.com/launches/KHO-blume-back-office-automation-for-health-insurance-brokers",
        "votes": 45,
        "created_at": "2024-01-30T17:08:04.987Z"
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    "id": 29579,
    "name": "Understood Care",
    "slug": "understood-care",
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      "Inc",
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    "website": "https://understoodcare.com",
    "all_locations": "New York City, NY, USA",
    "long_description": "The American healthcare system is complicated. 88% of US adults cite difficulties navigating the healthcare system. \r\n\r\nThe good news is patient advocacy became a covered benefit by Medicare in 2024. \r\n\r\nUnderstood Care matches Medicare patients with a healthcare personal assistant (known as a Patient Advocate) at little to no cost to the patient. Patient Advocates help patients patients access care - finding resources, helping fill out paperwork, and much more. \r\n\r\nUnderstood Care uses AI and healthcare expertise to deliver the highest quality patient advocacy to the 68 million Medicare patients in the US. ",
    "one_liner": "Healthcare personal assistants for Medicare patients.",
    "team_size": 7,
    "industry": "Healthcare",
    "subindustry": "Healthcare",
    "launched_at": 1715876832,
    "tags": [
      "Health Tech",
      "Healthcare",
      "Health Insurance",
      "AI",
      "AI Assistant"
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    "batch": "Summer 2024",
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      "United States of America",
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      "Remote",
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      {
        "question": "What is your long-term vision? If you truly succeed, what will be different about the world?",
        "answer": "Understood Care advocacy will greatly reduce non-medical barriers to care for Medicare patients.Patient advocacy has two fundamental components - a search component and a delivery component.As an example, a common problem for our patients is around transportation. Patients who can no longer drive need alternative transportation to go to doctor’s appointments, shops and social events. However, there are two main issues:\\* **Search problem:** Though there are county, state, insurance and non-profit sponsored transportation programs, they are not well advertised. Each program has their own bespoke qualification criteria. Patients can’t tell find the right solution.\\* **Delivery problem:** The application process for a program usually involves long forms asking for extensive information. Patients need help completing paperwork.At Understood Care, we are solving both problems with the use of AI agents.Our advocate agent centralizes and progressively learns from the collective expertise of every Understood Care advocate as well as previous successful patient encounter to confidently identify and predict with the most relevant, accurate, and statistically best solution for our advocates to present to the patient.Our workflow agent automates tasks such as form completion and real-time note-taking, helping our advocates solve the patient’s problem faster."
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        "full_name": "Samantha Wu",
        "title": "Founder/CEO",
        "founder_bio": "Understood Care (fka Ply Health) Co-founder. Previous Head of Bizops @ Finni (W23). Previously @ Cedar, SiteRx, Carlyle, Evercore. ",
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        "full_name": "Kevin Bailey",
        "title": "Founder",
        "founder_bio": "Co-Founder @ Understood Care; Ex-Uber & Ex-Postmates",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/kevin-bailey-2951b0162/",
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    "news": [
      {
        "title": "Understood Care raises $8.4M for patient advocacy",
        "url": "https://www.axios.com/pro/health-tech-deals/2026/03/16/understood-care-8m-patient-advocacy",
        "date": "Mar 16, 2026"
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      {
        "id": 93210,
        "title": "Understood Care: AI Powered Patient Advocacy",
        "tagline": "Delivering high quality, Medicare covered patient advocacy to the 68 million Medicare patients in the US.",
        "body": "### **What is Understood Care?**\n\n[Understood Care](https://understoodcare.com/) is a virtual patient advocacy platform for patients with Medicare.  \n\nAdvocates are administrative assistants with healthcare expertise that unblock access to care for patients. Advocates can help patients find transportation, schedule appointments, apply for financial aid and much more. We use AI to help advocates deliver superior advocacy at scale. \n\nPatient advocacy became a new Medicare covered benefit in 2024. Most Understood Care patients pay $0 out of pocket.  \n\n![uploaded image](/media/?type=post&id=93210&key=user_uploads/1753723/334db23e-a29e-4633-bfb1-57c94259e184)\n\n### **The Problem**\n\nThe American healthcare system is notoriously complex. 72% of insured adults lack confidence in managing their health insurance and benefits.\n\nFor the **68 million Medicare beneficiaries,** these challenges are even greater. Barriers in technology, finances, and health literacy often keep Medicare patients from accessing care, driving worse health outcomes and higher costs to the system.\n\nThe number of patients experiencing this problem is only growing. By 2030, the number of Medicare beneficiaries is projected to reach 80 million. \n\n### **How does Understood Care work?**\n\n1️⃣ Patient signs up on website or by calling in.\n\n2️⃣ We check the patient’s insurance eligibility and complete a patient intake with our clinical team.\n\n3️⃣ We get the patient matched with the advocate that best fits their needs.\n\n4️⃣ The advocate uses Understood Care’s clinical expertise and AI tools to resolve each patient’s unique care needs.\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXeu763mRuapSrYOVLGo_5FCjlG0c_9dUyncnOXfW1wNKvcmZr9Y51pfCvcFMcNAfe12p3dyfLAXTWQH9PkJ-IHExh3SWaC7KPoplpAYsE_YRTVWE2TUkHG3YlUAMB0vLHLO7YptTw?key=MP2f1P5qm-uzbzkuGXiGIg)\n\nExamples of problems we’ve helped patients tackle:\n\n⚠️ **Problem:** Patient could no longer drive to his appointments.\n\n✅ **Solution:** We set the patient up with free county medical transportation. \n\n⚠️ **Problem:** The patient did not have money to afford proper food.\n\n✅ **Solution:** We signed the patient up for a program that delivers free nutritious meals to low income seniors. \n\n⚠️ **Problem:** Patient received a new diagnosis and was overwhelmed.\n\n✅ **Solution:** We helped the patient go over the doctor’s instructions and scheduled appointments with in network specialists.\n\n### **Milestones**\n\n⭐ We helped our first patient in April and are currently supporting 300+ patients.\n\n⭐ Active in 40 states.\n\n⭐ Able to accept Medicare, UHC, Humana and Aetna (top 3 Medicare Advantage plans).\n\n### **Team**\n\nUnderstood Care is built by a team fluent in AI, healthcare operations, and clinical care. \n\n![uploaded image](/media/?type=post&id=93210&key=user_uploads/1753723/e2f97acd-32f9-42d0-a5e0-5236e7ff6646)\n\n[Sam](https://www.linkedin.com/in/samanthawu/) (CEO) was an operator at several high growth healthcare tech startups including Finni, SiteRx, and Cedar. Ex-Carlyle, ex-Evercore. \n\n[Kevin](https://www.linkedin.com/in/kevin-bailey-2951b0162/) (CTO) was a previous 2x founder (1x in browser tech, 1x in enterprise VDI). Ex- Uber/Postmates.\n\n[Dr. Adam Bonder ](https://www.linkedin.com/in/adam-j-bonder-md-mba-83b7a254/)(Medical Director) was previously the Medical Director at a VC backed behavioral health practice and is a actively practicing ER doc.\n\n### **Asks**\n\n✔️ Please share [our website ](https://understoodcare.com/)with friends or family that could benefit from our services. \n\n✔️ Please help us spread the word to other healthcare and community organizations - we accept [referrals](https://understoodcare.com/refer) through our website.\n\n✔️ Give us a follow on [LinkedIn](https://www.linkedin.com/company/understood-care) and [Facebook](https://www.facebook.com/understoodcare).",
        "url": "https://www.ycombinator.com/launches/OFO-understood-care-ai-powered-patient-advocacy",
        "votes": 39,
        "created_at": "2025-08-20T22:51:27.317Z"
      },
      {
        "id": 81329,
        "title": "🍃 Ply Health: Get providers in network faster",
        "tagline": "We use AI to get behavioral health providers in network, so they can start billing twice as fast.",
        "body": "### tl;dr\n\nProviders need to get in network with insurance companies, but the process is time-consuming and an administrative headache. We ingest provider information and use AI to automate submissions, saving providers months of waiting.\n\n### ❌ The Problem\n\nBeing in network with a health insurer is critical for both patients and providers:\n\n* For patients, seeing in network providers means dramatically lower healthcare costs. This informs which providers they choose and whether they can even afford to visit one.\n* For providers, being in network means a bigger pool of potential patients. It also simplifies billing and reimbursement.\n\nHowever, the process of getting a provider in network is highly manual and fragmented. There are approximately **1,400** payers in the US, each with their own enrollment process. Some of these processes involve painstakingly filling out 50+ page forms.\n\nOn top of burning hours of administrator time, delays are costly. A single incorrect field can push back cases by months. With providers billing $3,000/week, this costs healthcare practices **tens of thousands of dollars per provider**.\n\n### ⭐ Our Solution\n\nWe provide standardized questionnaires to collect all required provider information and documents. Our customers are then able to request a new network enrollment in just a few clicks instead of spending hours navigating insurance websites to find the correct forms.\n\n![](https://lh7-us.googleusercontent.com/docsz/AD_4nXcMXSY2xKtBcO4T1bMrr_zU44eg-Shd1X_9JaM3loR6QgKdsuVHkOByIopdf09h2mBDLkIN563IS6LnLwhLnwQrvpoJKiG3qxYI6sAyIFgs6VCP0o-Eq-Y4niQc9koDRqzATtjI71T-pZFVZCBWP1jRbrE?key=qI7khypm2_NJ8SwqwOuqbw)\n\nOn the backend, we’re automating each part of the enrollment process. We also have an experienced ops team as humans-in-the-loop to make sure everything is processed correctly. This ensures that enrollments are completed quickly and accurately, our customers’ two most important KPIs.\n\nOur product is currently optimized for behavioral health providers. We are working quickly to expand into other specialties. \n\n### 📈 Results with Ply\n\nWe are currently working with practices such as Finni Health, Legion Health, Anna Autism Care, Shasta Health, and Birches Health. \n\n![](https://lh7-us.googleusercontent.com/docsz/AD_4nXfVVy8FtGG_dzB_Ok3lF30vt2HSlARjOP6gSLJxnRd52W9JDim6lUK79dMrMHCBKQrOW21-FgFVzw7PUXMc5dw2zQqJG6_dRPQ9l-0d1QQl8c4IN-lLTWQeuxSPjZweagiSJcKRq-hjVWkkud8rI_oBCU2k?key=qI7khypm2_NJ8SwqwOuqbw)\n\nFor our customers, we’re getting in network **2x - 3x** **faster** compared to alternative solutions, helping them earn additional **hundreds of thousands of dollars** in billing revenue.\n\n### 🧑‍💻 The team\n\n![uploaded image](/media/?type=post&id=81329&key=user_uploads/1753723/1187d057-d8f6-4f2d-9472-44b209b86df4)\n\n_We’ve been friends for over 15 years but don't actually have pictures together because we’re both camera shy_\n\n**Sam** started her career in finance (M&A IB, then large cap PE) before realizing that she was meant to be a startup operator. She discovered the pain point of contracting and credentialing first hand when she was running BizOps at Finni Health. \n\n**David** is a pre-med turned software engineer with a specialty in building scalable backend systems at Meta and Snap. \n\n## 🙏 The ask\n\nIf you’re a behavioral health practice or are friends with one, we’d love to chat! Please reach out at [hello@plyhealth.com](mailto:hello@plyhealth.com) or book a demo on our [website](https://www.plyhealth.com/). \n\nIf you’re at a behavioral health insurance payer, or are friends with one, we’d love to chat about potential partnerships. Please reach out at [hello@plyhealth.com](mailto:hello@plyhealth.com).\n\nIf nothing else, we’d appreciate sharing our launch and following us on [LinkedIn](https://www.linkedin.com/company/plyhealth)!",
        "url": "https://www.ycombinator.com/launches/L9l-ply-health-get-providers-in-network-faster",
        "votes": 21,
        "created_at": "2024-06-05T23:06:00.161Z"
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    "id": 30232,
    "name": "careCycle",
    "slug": "carecycle",
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    "website": "https://www.careCycle.ai",
    "all_locations": "San Francisco, CA, USA",
    "long_description": "careCycle is an AI workforce for medicare agencies and FMOs - helping leading agencies achieve 5x higher conversions, 37% better retention, and saving thousands of agent hours.\r\n\r\nWe're transforming how Medicare agencies handle member relationships with teams of voice AI agents. We're solving the industry's biggest challenge: 50% annual member churn caused by poor post-enrollment engagement.\r\n\r\nOur multi-agent AI teams work together to handle the entire customer journey - from initial contact through enrollment and ongoing care. When a lead comes in after hours, one AI agent answers and schedules a callback, another calls at the perfect time, a third captures qualifying information, and a fourth handles the warm transfer to a licensed agent. This approach helped a leading FMO write over $2M in renewals during AEP 2024 while reducing agent talk time by 20% per sale.\r\n\r\nWe've pioneered a purpose-built solution for Medicare's unique compliance requirements. Unlike generic AI platforms, our system features built-in HIPAA/CMS compliance, real-time data structuring, and seamless CRM integration. This enables agencies of all sizes to deliver enterprise-grade member care without massive infrastructure investments.\r\n\r\nEarly metrics show the power of our approach:\r\n\r\n- 5x increase in after-hours conversion rates\r\n- 37% improvement in 90-day retention\r\n- 3,000+ agent hours saved in a single AEP\r\n- $2M+ in additional renewals during AEP 2024\r\n\r\nThe Medicare Advantage market represents a massive opportunity, with over $360B in annual premiums and growing 10% year over year. By solving the member retention challenge, we're positioning ourselves to capture significant value by transforming the member care experience for beneficiaries.",
    "one_liner": "Voice AI teams for medicare agencies.",
    "team_size": 5,
    "industry": "B2B",
    "subindustry": "B2B",
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    "year_founded": 2024,
    "city": "San Francisco",
    "country": "US",
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      "name": "Aaron Epstein",
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    "founders": [
      {
        "user_id": 2032692,
        "full_name": "Alex Doonanco",
        "title": "Founder/CEO",
        "founder_bio": "Building careCycle, voice AI teams for medicare agencies. Previously grew horizontal voice AI company from $0-$1M ARR in 6 months.\n\nEvery great discovery starts with the search for a better explanation.",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/alexdoonanco",
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      {
        "user_id": 458762,
        "full_name": "Evan Roubekas",
        "title": "Founder/CTO",
        "founder_bio": "Software Engineering graduate from UVic, specializing in AI orchestration to optimize Medicare customer experiences through coordinated automated touchpoints.",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/evanroubekas/",
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      {
        "id": 88449,
        "title": "careCycle: Voice AI teams for Medicare Agencies",
        "tagline": "Providing personalized member care to 33M+ seniors on medicare advantage & supplement plans",
        "body": "**TL;DR** careCycle provides AI voice teams that handle the entire Medicare member journey, helping agencies greet members by first name 24/7, and provide a space to feel heard.\n\nIn the process, we’re tackling the industry’s single biggest problem: churn. Our early customers are achieving 37% better retention while saving thousands of agent hours.\n\n![uploaded image](/media/?type=post&id=88449&key=user_uploads/2032692/c5b3b836-cf5f-41da-ab78-e560a6cb9949)\n\n<https://www.youtube.com/watch?v=ZZ-LbisGYpw>\n\n## Medicare Agencies are **Bleeding**, and Seniors are Left in the Dark.\n\nMedicare agencies face a devastating 50% annual member churn rate due to poor post-enrollment engagement. Licensed agents are forced to chase new sales instead of nurturing existing relationships, creating a vicious cycle that hurts both agencies and seniors.\n\nIt’s so bad that agencies we’ve spoken with actually **_lost money_** after selling thousands of policies in Q4 2024.\n\n## The Solution: Autonomous Member Care Teams that Make Seniors Feel Heard.\n\nWe've built multi-agent AI teams that work together across the full customer journey:\n\n**Pre-Screening:**\n\nBecause of increasingly aggressive marketing angles used to generate inbound calls, agencies drop hundred or thousands of inbound calls each day.\n\nOn top of this, agents spend previous time speaking with beneficiaries who might not be eligible or interested in their plan, who are at risk of being sold something they will cancel anyway.\n\ncareCycle takes calls 24/7, pre-screening callers, and seamlessly warm transferring to available licensed agents to assist them. If nobody’s available, we simply schedule an appointment that another AI team member automatically fulfills.\n\n**Post-Enrollment:**\n\nOur AI teams play a critical roll in keeping customers up to date on their policy application; something a shocking number of agencies don't have time to do.\n\nIn the process, we'll provide them a space to feel heard and get any questions about their new plan answered.\n\nAfter verifying the answer with a human-in-the-loop system, we deliver the message through another personalized and HIPAA complaint touchpoint.\n\n## Early Results\n\nSince launching in Q4 2024, careCycle has:\n\n* Helped a leading FMO write over $2M in renewals\n* Talked with 50,000+ medicare beneficiaries\n* Saved 4,000+ agent hours\n* Achieved 5x increase in after-hours conversion rates\n* Improved 90-day retention by 37%\n\n## Why Now?\n\nBefore founding careCycle, I led GTM at AI Rudder, a leading horizontal voice AI company.\n\nI saw firsthand how generic AI solutions failed in highly regulated industries like Medicare. agencies need purpose-built solutions that maintain strict compliance while delivering exceptional customer experiences.\n\n_Beyond expanding bandwidth for agencies, this technology allows us to **invent new touch points** previously unimaginable._\n\n## Our Ask\n\nIf you know any:\n\n* Medicare agency owners or executives\n* FMOs looking to provide better tooling for their agents\n* Healthcare compliance officers exploring AI solutions\n* Insurance industry professionals interested in contact center automation\n\nPlease reach out at [alex@carecycle.ai](mailto:alex@carecycle.ai) or book time [here](https://calendly.com/carecycle/30min).",
        "url": "https://www.ycombinator.com/launches/N0b-carecycle-voice-ai-teams-for-medicare-agencies",
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        "created_at": "2025-03-11T00:48:01.554Z"
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        "full_name": "Santosh Vallabhaneni",
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        "full_name": "Tarun Vallabhaneni",
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        "founder_bio": "Tarun is the CTO and co-founder of Rovi Health, building AI-enabled, text-based healthcare. Previously, Tarun was working on foundational AI models to predict extreme weather events. \n\nHe holds an M.S. in Computer Science from UChicago, specializing in AI and high-performance computing, and a B.S. in Biology from Cornell.",
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        "title": "Founding Engineer",
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        "title": "Rovi Health: Text-based healthcare that slashes employer health spend",
        "tagline": "We deliver high-quality, affordable healthcare to employees through text. Employers cut 10-20% of their annual spend. Employees get concierge healthcare they love.",
        "body": "# **⏳TL/DR**\n\nRovi helps employees access high-quality, cost-effective healthcare. We text employees the best in-network options at exactly the right moment, and handle all the complexity.\n\n* Our AI-enabled virtual care treats common conditions quickly over text or video.\n* For complex care, our AI agents search across all in-network providers using millions of price and quality data points, then handle scheduling and logistics.\n* Employees get rewarded for choosing high-value care through copay reimbursements and waived deductibles.\n\nLaunch video: https://www.youtube.com/watch?v=mKNB0CF8_9Y\n\n# **⚠️ The Problem**\n\nHealthcare costs are crushing employers. 2025 is seeing a 9% rate hike, the worst in a decade. A 1,000-person company now faces over $1M in cost increases annually, compounding.\n\nEmployers’ only options are to cut benefits or redesign their entire plan. Both take months and frustrate employees.\n\nWhat if Employers could offset these costs by adding benefits instead?\n\n## **🤨 How is this possible?**\n\n**Price and quality have no correlation in healthcare:**\n\n* The same MRI: $700 at an imaging center vs $2,500 at a hospital. Same network. Same machine.\n* The same knee surgery: $7,000 at a surgery center vs $25,000 at a hospital. Same surgeon. Often better outcomes at the surgery center.\n\n![uploaded image](/media/?type=post&id=94971&key=user_uploads/1230817/7a7a2b27-4c82-410c-9744-82a5af6b1cc2)\n\n**So why does everyone end up with the expensive option?**\n\n1. **Hospitals own the referral pipeline.** They consolidated most primary care practices. When your doctor orders a procedure, their systems automatically directs it to their expensive facilities.\n2. **Shopping is impossible.** Prices are hidden, provider directors outdated, quality is opaque. And when you're sick, calling twelve clinics is the last thing you want to do.\n\n**Rovi does the hard work.** Our AI agents analyze terabytes of pricing data, research every provider's quality metrics, and surface options matching each person's preferences for cost, convenience, and availability. Making good healthcare decisions drives down costs for both the employee and the employer.\n\n# **🎯 Impact**\n\nWe save employers 10-20% on healthcare spend while improving care outcomes and delivering a health benefit that employees love.\n\nWe've already signed contracts to roll out to thousands of employees across multiple employers for the 2025-2026 plan year.\n\n## **🙏🏾 Our ask**\n\n1. **Employers:** We have two final Q1 spots for self-funded employers. Introductions to employer benefits teams, brokers, health plans, and TPAs are welcome. Reach out to [santosh@rovihealth.com](mailto:santosh@rovihealth.com).\n2. **Individuals:** [**Join our beta**](https://rovi.health/) to try our AI care concierge. Rovi will find you great in-network doctors whenever you need care. Virtual care coming soon.\n\n## **👬🏾 Our team**\n\nWe're brothers on a mission to build AI-native health insurance that members love.\n\n**Santosh** was previously building Cedar's affordability products, scaling to millions in ARR by closing enterprise deals with the country's largest hospital systems. Before that, he led a 30-person GTM & Customer Success team at AngelList. He’s also a licensed health insurance broker.\n\n**Tarun** built foundational AI models to predict extreme weather events at UChicago, where he earned a Master's in AI and high-performance computing. He has a B.S. in biology from Cornell, and is obsessed with using AI to solve healthcare's messiest data problems.\n\n![uploaded image](/media/?type=post&id=94971&key=user_uploads/1230817/5e3c8786-7330-4fa2-bdee-8a416d5144c9)\n\n",
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        "created_at": "2025-10-28T18:03:14.789Z"
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        "id": 94577,
        "title": "Clicks: Back-office automation for recruiting and exec search firms",
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        "body": "**TL;DR**\n\nClicks builds AI agents that automate back-office work for recruiting and exec search firms—saving customers 60% on costs while reducing time-to-close per search.\n\nOur agents click and type in your existing software (Bullhorn, Salesforce, custom systems) just like a human would, but faster and error-free. No coding, no integrations, no IT involvement.\n\n---\n\n**The Problem**\n\nRecruiters waste 30-40% of their time on soul-crushing admin work:\n\n* 20 minutes updating the CRM after every call\n* 1-3 hours generating assessment reports\n* Hours researching candidates across LinkedIn, company websites, and internal databases\n\n---\n\n**How Clicks Works**\n\n1. **Show us your workflow** – 30-60 minute screen share\n2. **We automate it** – Built in under a week by our team\n3. **Delegate via email or Slack** – Send tasks to Clicks like you'd delegate to an employee\n4. **Get results back** – Pay only for completed tasks\n\nClicks works with everything: modern software, legacy systems, custom-built tools.\n\n[\\[Product Demo Video\\]](https://www.youtube.com/watch?v=ywZbo7xmSqE)\n\n---\n\n**Our Story**\n\nDominik and Oli met 8 years ago while studying at ETH. Both started their careers in consulting. While Dominik consulted globally leading enterprises at BCG, Oli was building 15+ custom AI automations at his first startup. This is where Oli had a key realization: Instead of spending months to building a custom automations and IT integrations, it should only take a couple of hours to building an automation on top of the tools that humans already use. \n\nThat's how Clicks was born. The most intuitive and reliable way to build automations on top of your existing tools.\n\n---\n\n**What's Next**\n\nWe want to enable anyone to build and modify their own automations.\n\nWe will expand our forward deployed engineering teams into new verticals, so other industries can also benefit from Clicks.\n\n---\n\n**Join Us**\n\nClicks is actively working with **forward-thinking recruiting/ exec search companies** who want to move faster, and leave the pain of manual processes behind.\n\nIf that sounds like you, let’s talk.\n\n📅 **Book a demo**: https://calendly.com/dominik-clicks-ai/30min\n\n[🌐](https://calendly.com/d/cqw5-msn-pf2/operand-intro%EF%BF%BC%F0%9F%8C%90) **Learn more:** https://goclicks.ai/",
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        "role_type": "Full stack",
        "salary_range": "$180K - $250K",
        "equity_range": "",
        "experience": "Any (new grads ok)",
        "visa": "US citizen/visa only",
        "skills": []
      },
      {
        "id": 107168,
        "title": "Founding Operations / Head of Operations",
        "url": "https://www.ycombinator.com/companies/prescience-inc/jobs/zS3Q0ob-founding-operations-head-of-operations",
        "location": "San Francisco, CA, US",
        "type": "Full-time",
        "role": "Operations",
        "role_type": null,
        "salary_range": "$180K - $240K",
        "equity_range": "",
        "experience": "Any (new grads ok)",
        "visa": "US citizen/visa only",
        "skills": []
      },
      {
        "id": 114034,
        "title": "Founding GTM",
        "url": "https://www.ycombinator.com/companies/prescience-inc/jobs/9RA2c6M-founding-gtm",
        "location": "San Francisco, CA, US",
        "type": "Full-time",
        "role": "Sales",
        "role_type": null,
        "salary_range": "$110K - $235K",
        "equity_range": "",
        "experience": "Any (new grads ok)",
        "visa": "US citizen/visa only",
        "skills": []
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    ],
    "news": [],
    "launches": [
      {
        "id": 106632,
        "title": "Prescience: Superintelligence for the American health system",
        "tagline": "A new health insurance that saves employers money and keeps employees healthy.",
        "body": "Hey YC, we're [Rishab Jain](https://www.linkedin.com/in/rishab-jain-k/) and [Aditya Jain, MD](https://www.linkedin.com/in/adityajain2000/). \n\nToday, we’re announcing Prescience 🔮: health insurance for the age of abundant intelligence. Prescience is taking on United, Blue Cross, and every other incumbent to build the first health insurance company that doesn’t suck.\n\n**TL;DR -** Prescience is a health insurance solution built for a world with AGI. We help cut premiums by 20%, offer $0 deductibles, include GLP-1s and other modern medicines, and have no hidden fees: we’re only paid when we save you money. We’re already helping some of America’s most ambitious companies save money, provide better benefits, and keep employees healthy so they can focus on their business. [www.getprescience.com](http://www.getprescience.com)\n\n[youtube.com/watch?v=PBqyj9zP4BY&amp;feature=youtu.be](http://youtube.com/watch?v=PBqyj9zP4BY&feature=youtu.be)\n\n**The Problem**\n\nHealthcare is a $6 trillion industry in America. For most companies it's the second-highest line item on their P&amp;L, with costs rising about 15% every single year.\n\nEmployers keep paying more and getting less. Deductibles climb and the best benefits get cut. Even employees with \"good\" insurance still end up with denied claims, surprise bills, and debt.\n\nNothing changes because the entire industry is built to take a cut of your premium. When care gets more expensive, all of the middlemen make more money. They couldn’t care less if your people get more healthy.\n\n**Our Solution**\n\nPrescience is an AI-native health insurance that flips the incentive. Get a quote without speaking to middlemen, and get better health benefits at lower cost. That adds up to roughly **20% lower premiums**, and **better-than-platinum health benefits** like $0 deductibles, no middlemen, no fees. For YC companies, we have a Deal running with Free Wearables and GLP-1s covered.\n\nHere's how we deliver. **Time Machine** is our reinforcement learning system trained on medical histories. The same way AlphaGo found \"Move 37,\" a move no human would have played that turned out to be brilliant, Time Machine searches millions of possible health trajectories for each member and finds the non-obvious path that keeps them healthiest. Then it steers care toward that path: the right screening at the right moment, the right behavior, before a small issue ever becomes a hospital bill. We’re running a separate waitlist for YC companies who want to try Time Machine for personal use: <http://getprescience.com/time-machine-waitlist>\n\n![uploaded image](/media/?type=post&id=106632&key=user_uploads/3202469/9ec81a8e-0484-4a24-873c-9aafa87d8124)\n\nTime Machine is paired with **Crystal**: our care navigation assistant in your pocket. As an MD, I’ve seen how patients struggle to manage the labyrinth of healthcare. Hours of phone calls and wait times. Pouring through confusion insurance documents. No more - Crystal can book visits for you, answer questions about your health, and pay your bills.\n\n![uploaded image](/media/?type=post&id=106632&key=user_uploads/3202469/6d96fb46-38d8-4b14-934d-c070c77b13b4)\n\nInstead of today’s health insurance experience that forces employers to talk to brokers for weeks just to get covered, employers on Prescience get a quote in days and a plan that automatically tracks savings and does filings. We don’t just sit around and collect money from premiums, but actually try to make your employees healthy.\n\n![uploaded image](/media/?type=post&id=106632&key=user_uploads/3202469/869b2f99-6114-43c4-b8a3-4630545de430)\n\nWe are a real, full-stack solution. We’ve built out and partnered to deliver quotes, banking, HSA, MSO-PC, legal, compliance, network, risk, and any other solutions, We have a national team of top doctors who we negotiate with directly - no middlemen - and who we are able to offer fast payment, clear patient histories, and no admin paperwork. They in turn offer us heavy discounts we pass on to employers.\n\n**The Team**\n\nRishab and Aditya are brothers and serial entrepreneurs. Rishab (CEO) studied CS &amp; Neuro at Harvard, is an RSI alumni, won the International Science and Engineering Fair, and previously founded and exited an edtech company. Aditya (President/COO) earned his MD from Harvard Medical School, has been doing ML research since 2014, and is an Op-Med Fellow at Doximity.\n\nPrescience aims to rebuild the entire $6T American healthcare industry into one that is proactive and prescient, not reactive. Our vision is to be both payer and provider, as our proprietary AI and data becomes ready to take on all of medicine.\n\nReach us anytime at [founders@getprescience.com](mailto:founders@getprescience.com).\n\n**Our Ask**\n\n1. **If you’re a founder, get your quote:** at [getprescience.com](http://getprescience.com) and **use our YC deal on Bookface**! Free GLP-1 weight loss program, genetic testing, and white-glove support.\n2. **Intro us to enterprise:** Founders, Chief People Officers, Benefits Managers, Chief Medical Officers, CFOs, HRIS Platforms, or Brokers, especially at companies reviewing 2027 benefits!",
        "url": "https://www.ycombinator.com/launches/Rjs-prescience-superintelligence-for-the-american-health-system",
        "votes": 61,
        "created_at": "2026-07-21T14:07:46.343Z"
      }
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  },
  {
    "id": 32782,
    "name": "Denta",
    "slug": "denta",
    "former_names": [],
    "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png",
    "website": "https://denta.com",
    "all_locations": "San Francisco, CA, USA",
    "long_description": "Starting with dental benefits, we are relentlessly simplifying the process for patients to receive better coverage at a lower cost by putting the buying power back into the hand of the individual.",
    "one_liner": "Fortune 500 Dental Benefits for Startups",
    "team_size": 1,
    "industry": "Fintech",
    "subindustry": "Fintech -> Insurance",
    "launched_at": 1782407143,
    "tags": [
      "Fintech",
      "Healthcare",
      "Health Insurance",
      "AI"
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    "tags_highlighted": [],
    "top_company": false,
    "isHiring": true,
    "nonprofit": false,
    "batch": "Summer 2026",
    "status": "Active",
    "industries": [
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      "Insurance"
    ],
    "regions": [
      "United States of America",
      "America / Canada"
    ],
    "stage": "Early",
    "app_video_public": false,
    "demo_day_video_public": false,
    "app_answers": null,
    "question_answers": null,
    "url": "https://www.ycombinator.com/companies/denta",
    "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/denta.json",
    "year_founded": 2025,
    "city": "San Francisco",
    "country": "US",
    "linkedin_url": "https://www.linkedin.com/company/trydenta/",
    "x_url": "https://x.com/jackbeecher23",
    "fb_url": null,
    "cb_url": null,
    "github_url": null,
    "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png",
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    "primary_partner": {
      "name": "Jared Friedman",
      "url": "https://www.ycombinator.com/people/jared-friedman"
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      {
        "user_id": 1959995,
        "full_name": "Jack Beecher",
        "title": "Founder/CEO",
        "founder_bio": "Dartmouth dropout. Studied CS & Math. Removing the biggest problem from dentistry: insurance.",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/jack-beecher-459a13180",
        "x_url": "https://x.com/jackbeecher23",
        "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec1fbfdbc45b527c4f8961d1bf237f521fe2b6eb.jpg"
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        "id": 109683,
        "title": "Founding Growth",
        "url": "https://www.ycombinator.com/companies/denta/jobs/re7M7Ih-founding-growth",
        "location": "San Francisco, CA, US",
        "type": "Full-time",
        "role": "Sales",
        "role_type": null,
        "salary_range": "$100K - $130K",
        "equity_range": "1.00% - 2.00%",
        "experience": "Any (new grads ok)",
        "visa": "US citizen/visa only",
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    "news": [],
    "launches": [
      {
        "id": 111300,
        "title": "Denta 🦷 Dental Benefits",
        "tagline": "Save time and money on dental benefits",
        "body": "Denta makes dental benefits 25% cheaper by selling plans directly to employers and processing claims instantly with AI.\n\n**Growing up in Dentistry → Solving Its Biggest Problem**\n\nI grew up in the back office of my dad’s dental practices, spent my high school years answering patient calls, and built software for over 300 dentists during college. I'm now solving the industry's biggest problem: insurance.\n\n**The Waste**\n\nEveryone knows how bad health insurance is, dental insurance is worse. In the US, dental insurers collect $100B per year. Despite the $25B of that spent on administration, it still takes insurers three weeks to pay claims with paper checks that Denta can pay electronically in seconds.\n\n![uploaded image](/media/?type=post&id=111300&key=user_uploads/1959995/0f923bd6-9f67-40bc-bdbe-474a4882e652)\n\n**Saving you money**\n\nDenta helps startups self fund their dental insurance. Most Fortune 500s choose this model of insurance to save money while providing better employee benefits. For startups, this model was previously inaccessible.\n\n**Mission**\n\nDenta will not stop until all of America is covered. We believe by removing the friction and waste in the industry, there will be a new age of abundance where both the dentist and patient win.\n\n**Insure like the best**\n\nIf you want to save money on dental benefits while providing the best possible experience for your employees, sign up at [denta.com](http://denta.com)",
        "url": "https://www.ycombinator.com/launches/SxA-denta-dental-benefits",
        "votes": 8,
        "created_at": "2026-08-26T21:00:00.368Z"
      }
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  },
  {
    "id": 36015,
    "name": "Ignition Benefits",
    "slug": "ignition-benefits",
    "former_names": [],
    "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/14580e0fabb4e383e5286e8af972648e4bc2b5af.png",
    "website": "https://www.ignitionbenefits.com/",
    "all_locations": "Los Angeles, CA, USA",
    "long_description": "Ignition is an AI-native employee benefits brokerage for companies with under 200 employees. Health insurance is one of the largest line items these companies carry, and employers absorb 15 to 40% rate increases year after year without ever seeing their own numbers. We have rebuilt the sales and back office to be AI-first. This market represents about $500B of market cap, and those businesses have not fundamentally changed in over 50 years. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.",
    "one_liner": "The AI-Native Benefits Brokerage",
    "team_size": 12,
    "industry": "Fintech",
    "subindustry": "Fintech -> Insurance",
    "launched_at": 1789432184,
    "tags": [
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      "Insurance",
      "AI"
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    "top_company": false,
    "isHiring": true,
    "nonprofit": false,
    "batch": "Fall 2026",
    "status": "Active",
    "industries": [
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    "regions": [
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    "stage": "Early",
    "app_video_public": false,
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    "app_answers": null,
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    "url": "https://www.ycombinator.com/companies/ignition-benefits",
    "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/ignition-benefits.json",
    "year_founded": 2026,
    "city": "Los Angeles",
    "country": "US",
    "linkedin_url": "https://www.linkedin.com/company/ignition-benefits",
    "x_url": "https://x.com/GoIgnition",
    "fb_url": "https://www.facebook.com/IgnitionBenefits",
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    "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/14580e0fabb4e383e5286e8af972648e4bc2b5af.png",
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    "primary_partner": {
      "name": "Aaron Epstein",
      "url": "https://www.ycombinator.com/people/aaron-epstein"
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        "user_id": 765651,
        "full_name": "Nick Taranto",
        "title": "Founder/CEO",
        "founder_bio": "Founder at Ignition Benefits. Previously founded Plated, the first American meal kit company (sold to Albertsons for $300M in 2017). Former US Marine Corps. MBA from Harvard; BA from Dartmouth. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/nicktaranto/",
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        "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1209c5db63442d35b218d6481da25e2839987b74.jpg"
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    "jobs": [
      {
        "id": 109941,
        "title": "Founding Member of Technical Staff",
        "url": "https://www.ycombinator.com/companies/ignition-benefits/jobs/04TOkxY-founding-member-of-technical-staff",
        "location": "San Jose, CA, US",
        "type": "Full-time",
        "role": "Engineering",
        "role_type": "Full stack",
        "salary_range": "$180K - $200K",
        "equity_range": "0.15% - 0.35%",
        "experience": "6+ years",
        "visa": "US citizen/visa only",
        "skills": [
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          "TypeScript",
          "AI Agents"
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    ],
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  },
  {
    "id": 37274,
    "name": "Decent",
    "slug": "decent-com",
    "former_names": [],
    "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png",
    "website": "https://decent.com",
    "all_locations": "San Francisco, CA, USA",
    "long_description": "Decent is a health insurance brokerage for small businesses. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year. We're paid by insurance companies, so we're free to you.",
    "one_liner": "Your health plan should get better year-round. Not just once a year.",
    "team_size": 2,
    "industry": "Fintech",
    "subindustry": "Fintech -> Insurance",
    "launched_at": 1789976042,
    "tags": [
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      "Health Tech",
      "B2B",
      "Health Insurance",
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    "top_company": false,
    "isHiring": false,
    "nonprofit": false,
    "batch": "Fall 2026",
    "status": "Active",
    "industries": [
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    "regions": [
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    "url": "https://www.ycombinator.com/companies/decent-com",
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    "year_founded": 2026,
    "city": "San Francisco",
    "country": "US",
    "linkedin_url": "https://www.linkedin.com/company/decenthealth",
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    "primary_partner": {
      "name": "Grey Baker",
      "url": "https://www.ycombinator.com/people/grey-baker"
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        "user_id": 103060,
        "full_name": "Nick Soman",
        "title": "Founder/CEO",
        "founder_bio": "Founder at Decent. Previously founded Decent, Inc., a venture-backed health plan administrator (acquired by Nice Healthcare). EIR at Foundation Capital. Growth Product Lead at Gusto. PM on Kindle at Amazon. Founded LikeBright/Reveal (acquired by Napster). Stanford BA, Harvard MBA.",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/nicksoman",
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        "user_id": 3997688,
        "full_name": "Andrew Budker",
        "title": "Founder/CTO",
        "founder_bio": "Founder at Decent. Previously Director of Software Engineering at Meta, where he led Metamate (Meta's internal AI assistant and Agent Platform) and built deep learning computer vision systems shipping in Oculus. Before Meta, engineering manager at Amazon for 5 years and engineer at Microsoft. BS Applied Mathematics from UCLA.",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/abudker/",
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    "launches": [
      {
        "id": 118447,
        "title": "Decent: Your health plan should get better year-round. Not just once a year.",
        "tagline": "We find the best health plan for your company, and use AI to make it better all year.",
        "body": "Hi everyone. I'm [Nick Soman](https://www.linkedin.com/in/nicksoman/), cofounder of [Decent](https://www.decent.com/) (F26) with [Andrew Budker](https://www.linkedin.com/in/abudker/).\\\n\\\n<https://youtu.be/ICNV6Scchqw>\n\n\\\n**The problem**\\\nYou choose your company health plan once a year at renewal, and then nobody touches it for twelve months. All year long you overpay without seeing it. A one-time surgery gets built into next year's rates as if it’s recurring. You get billed for employees who left months ago. Your team uses the ER for things that primary care could have handled for a fraction of the cost.\\\n\\\nI learned this the hard way. A carrier raised my old company's rates 27% in January because an employee had started an expensive treatment the February before. They told me it was my data and my fault for not looking. Almost all of that cost was waste. She could have been treated at home for 30% less. An equally effective treatment that cost 25% less could have been free to her. Optimized dosing could have saved 20% more, with fewer side effects and no negative impact on her health.\\\n\\\n**How Decent is different**\\\nYour health plan should get better all year, not once a year. You don't buy a year of ads or a rack of servers up front anymore, but health insurance is stuck on a single annual renewal. Decent is an AI-native health insurance broker for US companies with 2 to 200 employees. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year, for your company and for your employees. The insurance company you choose pays us, so we’re free to you.\\\n\\\n**Why trust us**\\\nAndrew and I met 16 years ago building the Kindle at Amazon. He spent the last several years leading engineering for Metamate, Meta's internal AI platform. I've started and sold two companies and raised $42M. Before this I built and ran level-funded plans, PEOs, and association health plans, with a Net Promoter Score of 79 vs. the industry average of 14, so I know what good looks like and where the system breaks. \\\n\\\nThe full story of why I came back to this, and why it's called Decent, is here: <https://www.decent.com/blog/run-it-back>\\\n\\\n**Traction**\\\nAI is doing 89% of our brokerage work and climbing, and we just caught a one-time surgery driving 46% of a client's claims spend and kept it out of next year's rates. 67 companies are working with us so far, and many more are close behind.\\\n\\\n**What you can do now**\n\n* If you or someone you know runs or helps run a US company with roughly 2 to 200 people renewing by January 1, 2027, book 15 minutes with me to find the best plan for you: <https://meetings-na2.hubspot.com/nick-soman/15-yc> \n* Want to look first? [Get a quote](https://www.decent.com/quote) and price the market yourself on our site, no call needed.\n* Know a company that's overpaying? Introduce us and we'll pay you when they get a quote, whether or not they buy: [decent.com/refer](http://decent.com/refer)\n\nOur mission: affordable healthcare for all. It's never too late to save the world.\\\n\\\nNick &amp; Andrew\n\n![uploaded image](/media/?type=post&id=118447&key=user_uploads/103060/6978a63f-c3bf-452d-b3a1-15336d01adc1)\n\n",
        "url": "https://www.ycombinator.com/launches/UoR-decent-your-health-plan-should-get-better-year-round-not-just-once-a-year",
        "votes": 4,
        "created_at": "2026-10-05T16:00:00.081Z"
      }
    ]
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]
