Insurf
Insurf provides an AI-native ICHRA platform that helps companies replace group health plans with fixed monthly allowances, while employees select plans based on true projected costs. The company also offers free cost-comparison tools for families and a denial-management workbench for clinics that prepares source-cited prior authorizations and appeals.
- Insurance Technology
- Healthcare Technology
- HR Technology
- Artificial Intelligence
- Software Only
- Data & Analytics
Funding
Raised to date
$500KRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Founder details are not available yet.
Product
Problem
Companies with traditional group health plans face unpredictable renewal costs and must buy a single compromise plan that rarely fits every employee's doctors or prescriptions. Employees bear rising premium slices, and when care is denied, companies and clinics lack efficient tools to fight those denials and recover coverage.
Solution
Insurf offers an AI-native ICHRA platform that lets employers replace a group health plan with a fixed monthly allowance, computed by an engine that prices every filed plan in the company's county. Each employee picks the plan that fits their own needs—doctors, prescriptions, deductibles—and a licensed agent handles enrollment. Insurf also provides free cost tools for families and individuals that replay a full year through every county plan to reveal true cost, and for clinics, its Inveto product prepares source-cited prior authorizations and denial appeals, physician-signed, to recover denied care. The platform projects savings per employee and simulates plan performance across a full year, and Insurf will fight employee denials throughout the year.
Target Audience
Primary customers are small and mid-sized companies considering ICHRA adoption, families and individuals shopping during open enrollment, and clinics seeking to recover denied care through prior authorization and appeals support.
Features
- ICHRA budget engine that prices every filed plan in a county and recommends a per-employee monthly amount with the math shown
- Employee guidance workflow where workers describe their year in plain language and plans are ranked by real projected cost
- Licensed insurance producer enrollment support for each employee, with no self-serve website handoff
- Denial-fighting service that challenges carrier denials for employee care
- Inveto denial-management workbench that prepares source-cited prior authorizations and appeals, with treating clinicians retaining final judgment
- Free cost tools including benefits audit, COBRA comparison, savings quote, and renewal-letter comparison, computed from state-filed public data with no census upload
- Privacy-preserving architecture: the audit parses census files in-browser, and only derived run records reach servers; the ICHRA affordability calculator runs entirely client-side
- Cost Engine (Surely) that simulates a full year across all plans in a county to project true-cost outcomes