What it sells
Superintelligent health insurance that keeps employees healthy
Business model breakdown
Buyer: who owns the budget?
Employers (startups, SMBs 5-10+ people, PE portfolios, VC portfolios), plus brokers and HR/payroll platforms as channels.
Trigger: what makes them buy now?
Rising renewals and PEO cost jumps (claims ~9% trend; PEO renewals compound), need better benefits to hire.
Workflow: what inputs become what output?
Employer connects payroll once; Prescience handles plan setup, enrollment, claims, COBRA, ACA filings; members use 24/7 care companion; HR platforms embed via API.
Economics: what it saves and how it charges
Claims 20-50% lower employer spend than PEO or fully insured, $0 admin fees, flat renewals; HR platforms get recurring revenue share per covered employee.
Distribution: how it reaches customers
Direct instant-quote/call booking, brokers, PE/VC portfolio deals, HR/payroll platform API partnerships (Rippling, Deel integrations).
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Summer 2026 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.