卖什么
The AI-Native Decision Layer for Health Insurance
商业模式拆解
买家：谁掌握预算？
未核实Employers/HR leaders (ICHRA), families choosing plans, and clinic revenue-cycle/physician staff.
触发点：什么让他们现在购买？
Unpredictable group-plan renewals and open enrollment; clinics losing revenue on denied claims (11.5% of MA denials appealed vs 80.7% overturned, per KFF cited).
工作流：什么输入变成什么输出？
Companies: ICHRA - set one monthly allowance per employee computed from pricing every filed plan in the county, employees pick plans, licensed agent enrolls. Clinics: Inveto handles prior auth and denial appeals with intake, cited drafting, physician review, staff-controlled submission, follow-up, outcome reporting.
经济账：省了什么，怎么收费？
Claims ~$5,000 saved per employee per year (projected) and ~$150,000 recovered per hospital per year; revenue model not stated (likely agent commission/SaaS).
渠道：怎么接触到客户？
Demo-led ("Book a demo", pilot email) plus free audit lead-gen tools and an ICHRA demo.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2026 夏季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.