Health Insurance Startups funded by Y Combinator (YC) 2026

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. Through 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.

We deliver high-quality, cost-effective healthcare to employees through text. Employers cut 10–20% of healthcare spend. Employees get concierge care that improves outcomes. Our AI agents analyze clinical data to identify care needs. We treat common conditions through our integrated virtual clinic. For more complex care, our agents find the best in-network providers using millions of price and quality data points, and handle end-to-end appointment booking.

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. We'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. Our 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. We'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. Early metrics show the power of our approach: - 5x increase in after-hours conversion rates - 37% improvement in 90-day retention - 3,000+ agent hours saved in a single AEP - $2M+ in additional renewals during AEP 2024 The 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.

The American healthcare system is complicated. 88% of US adults cite difficulties navigating the healthcare system. The good news is patient advocacy became a covered benefit by Medicare in 2024. Understood 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. Understood Care uses AI and healthcare expertise to deliver the highest quality patient advocacy to the 68 million Medicare patients in the US.

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 Backed by Y Combinator, Foundation Capital, Soma Capital, Translink Capital & many others..

Eden Care is building the claims infrastructure for African health insurance

Quill Bills is a medical billing company that works with healthcare providers to significantly lower billing costs and recover denied claims. Our platform performs much of a biller's job autonomously, and we sell this platform to private practice doctors and medical MSOs.

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.

Intellect is the global leader in hyperlocalised mental healthcare, serving 4 million lives across enterprise employers, insurers, healthcare systems, and governments in over 50 languages and 100 countries. With a comprehensive, AI-powered care ecosystem, Intellect seamlessly integrates digital therapeutics, virtual therapy, high-acuity crisis support, and specialty clinical treatment - delivered through its proprietary digital platforms and directly owned mental health clinics. Headquartered in Singapore with nine global offices, Intellect is backed by top investors including Tiger Global, Y Combinator, Insignia Ventures, and HOF Capital. It is trusted by hundreds of Fortune 500 companies and industry leading organisations.

Boost coding accuracy, uncover hidden prospective signals, and increase audit-defensibility of MAO risk adjustment operations with VitalStrata's RAF Precision AI.

We build automation solutions powered by AI to improve the efficiency of diagnostics, documentation, and patient education for dental clinics. Our technology is also used by dental insurance companies to process large volumes of claims by analyzing unstructured data like X-rays, narratives, and documents. We're a dentist and clinic owner, a computer vision expert, and a bioscientist. https://www.adra.ai/

Datrics HCP streamlines healthcare insurance claims with advanced AI technology, improving accuracy, reducing processing time, and eliminating costly errors.

If you're a YC company: Book Here! https://calendly.com/danielle-wimberly-vitablehealth/30min We are a team of engineers, clinicians, and operators rethinking healthcare for startups and and SMB's. We make it simple for startups to offer ICHRA with built in direct primary care, including free virtual visits, over 1,000 prescriptions, and 40+ lab tests. Contributions are made with tax-free dollars, and we handle everything from onboarding to ongoing care so founders can stay focused on building. We are backed by world class investors like First Round Capital, Cherryrock, Y Combinator, and SoftBank, along with incredible founders and operators including Michael Seibel (YC, Twitch), Immad Akhund (Mercury), Allison Pickens (Gainsight), Jack Altman (Lattice), Dan Folkman (GoPuff), and others.

Reliance Health uses technology to make quality healthcare delightful, affordable and accessible in emerging markets. Through an integrated approach that includes affordable health insurance, telemedicine and a combination of partner and proprietary healthcare facilities, Reliance Health offers innovative healthcare solutions that meet the needs of emerging markets including Nigeria, Egypt and growing

SimplyInsured was founded with one mission: to eliminate fear from health insurance. By changing the way small business owners purchase health insurance with our 100% online platform, we’re transforming a $20 billion dollar industry and delighting thousands of customers. Our unique values-based culture (and extremely talented team) is our core competitive advantage, and each person on our team makes a direct, immediate impact on our business. We value transparency, feedback, bias to action, growth, and an obligation to dissent. Every opinion is respected, we hold each other to extremely high standards, we’re driven by the diversity in our backgrounds, and unified by 100% alignment on our mission. What’s best for the customer is the heart of everything we do, and our customer stories prove it: by changing health insurance we’re literally saving lives. Based in San Francisco, SimplyInsured was founded in 2012 and is back by Bessemer Venture Partners, Polaris Ventures, and Y-Combinator. If you’re up for the challenge of improving health insurance for millions of Americans, we’re just getting started, and we’re growing!

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.

Fairway 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.

Savvy is a health benefits product offering employees payment cards to buy their own health insurance. One of the first to market after new regulation, Savvy scaled to $10s of millions in volume and expanded into all 50 state health insurance markets. Savvy was backed by Y Combinator, Marc Andreessen, and the founders of One Medical and Indeed. In 2022, the company was acquired by Take Command, the leading incumbent in the health insurance HRA space.

Catch makes it easy for anyone who doesn't get benefits from an employer to set up and manage their own benefits package. We automatically withhold from each paycheck for tax withholding, time off, savings and retirement. We also help you find and enroll in the right health insurance plan and keep your premium payments on track. By connecting to your existing bank account, we monitor when you get paid, and act on a plan that can help keep you covered no matter what life throws at you.

We build health insurance for mid-sized companies that costs 20% less and provides more effective medical care.