Insurf

Insurf is a health insurance platform that prices filed plans in the counties it covers, helping companies moving to individual coverage health reimbursement arrangements (ICHRA), families and individuals selecting coverage, and clinics addressing denied care. It also offers Inveto, a product for preparing prior authorizations and denial appeals.

For companies, the platform replaces the group bill with a fixed monthly allowance, recommending plans based on pricing across every filed plan in a county. For families and individuals, it replays a year's costs through each available plan to estimate true cost. For clinics, Inveto produces source-cited prior authorizations and denial appeals for physician signature, with the customer's team controlling submission. The platform also provides an ICHRA guide covering rules and state-specific details.

Insurf is not a licensed insurance agency; enrollment support comes from an individually licensed insurance producer who may receive carrier commissions, disclosed on estimates. Patient data is enabled only after a customer-specific business associate agreement and launch checks. The company maintains a security program covering its public site, private pilots, and internal systems, with production PHI disabled until those controls are in place.