Hey everyone — we're Chang and Bryan, the founders of Insurf.

American health insurance is f***ed: chosen by guesswork, enforced by denial. We built the engine that fixes both halves.

TL;DR

Surely computes the lowest-cost plan for anyone. Inveto fights denials for real clinics across Texas, Georgia, and California, and each contract-authorized, de-identified outcome becomes coverage data nobody else has. Everything Inveto learns, Surely knows.

https://drive.google.com/file/d/1x5B44OPfZxd-32UBeGT-0a5WVdMf3Jnl

The problem: America picks health plans from one number

More than 20 million Marketplace enrollees choose coverage off the sticker premium. That guess is expensive.

• In our data, the lowest-premium plan was the lowest-cost option in 0 of 2,000 simulated years.

• In one example, the cheaper sticker would have cost $8,052 more in a single bad year.

• That's one person. Multiply the risk across a family. Across a company.

• This year alone, four million Americans found out what their plans actually cost — and walked away from coverage.

We compute.

Surely — the cost engine

Surely ranks all plans by what they'll actually cost: premiums, deductibles, drug tiers, networks, out-of-pocket caps. Every number sourced from government filings.

Inveto — the denial workbench

Clinics upload a denial and the clinical record; Inveto produces source-cited, physician-signed appeals and supported prior authorizations. Live with real clinics across Texas, Georgia, and California today.

The moat is the join

Every contract-authorized Inveto outcome becomes rights-cleared data about what plans actually do, including approvals, denials, appeals; Surely reads all of it. What plans cost + what plans do. Nobody else has both.

Why now

In 2028, health plans stop renewing automatically: 20 million+ people will re-choose coverage every single year — the largest forced re-shop in the history of American health insurance. $150 billion a year in premiums, re-decided annually.

And employers are next. The federal government projects 800,000 companies and 11 million+ people will switch to ICHRA, where employees choose their own plans. That's a trillion-dollar shift. With Insurf, employers can expect to save ~$5,000 per employee, per year.

Who we are

Two friends who met during orientation at Brown. Chang got into medical school at 17, then worked a pharmacy counter watching thousands of people pay out of pocket for what they were promised. Bryan placed internationally in CS and physics competitions and has published IEEE research since high school.

Our ask

• Tired of overpaying for health insurance?

• Weighing ICHRA, or trying to cut your company's benefits spend?

• Running a specialty clinic buried in denials and prior auths?

See how much your company can save here: insurf.io/audit or email founders@insurf.io — we'll show you exactly what you'd save.

Everyone sells plans. Nobody prices them. We compute.