Insurf

Insurf is a health insurance cost engine for the US individual market. It prices every plan filed in a person's county and replays a whole year of expected care through each one to find the plan that costs the least in real terms rather than by sticker premium. The same engine powers three products: an ICHRA platform for employers, a plan finder for families and individuals, and Inveto, a service that prepares prior authorizations and denial appeals for clinics. For companies, Insurf computes a fixed monthly allowance per employee from payroll ages and ZIP codes, guides each employee to the plan that fits their doctors and prescriptions, and has a licensed insurance producer complete enrollment; every figure is traced to a government filing or a named survey. Inveto runs a six step workflow for prior authorizations and appeals: intake, source cited drafting, physician review, staff controlled submission, follow up and outcome reporting, with a contractual fee credit if an in scope deadline is missed. Insurf states that it is not a licensed insurance agency or third party administrator and never holds plan funds or decides claims. Pricing is not published. The site offers a free savings audit and demos for employers, and invites clinics to start with a single workflow pilot; commercial terms are agreed per engagement. Insurf is backed by Y Combinator.