卖什么
Superintelligent health insurance that keeps employees healthy
商业模式拆解
买家：谁掌握预算？
Employers (startups, SMBs 5-10+ people, PE portfolios, VC portfolios), plus brokers and HR/payroll platforms as channels.
触发点：什么让他们现在购买？
Rising renewals and PEO cost jumps (claims ~9% trend; PEO renewals compound), need better benefits to hire.
工作流：什么输入变成什么输出？
Employer connects payroll once; Prescience handles plan setup, enrollment, claims, COBRA, ACA filings; members use 24/7 care companion; HR platforms embed via API.
经济账：省了什么，怎么收费？
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.
渠道：怎么接触到客户？
Direct instant-quote/call booking, brokers, PE/VC portfolio deals, HR/payroll platform API partnerships (Rippling, Deel integrations).
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.