Overview
Arlo is a health insurance managing general underwriter (MGU) that designs and underwrites its own level-funded health plans for small and mid-sized employers with 10 to 150 employees. Operating under the legal entity Railway Health Inc., the company was founded in 2022 and is headquartered in New York, NY. As of 2026, Arlo employs approximately 41 people and has achieved profitability.
Arlo underwrites its own medical stop-loss insurance through a carrier partnership with Nationwide, established in October 2024. This relationship allows Arlo to offer level-funded plans to employers ranging from 10 to 5,000 employees. The company uses proprietary AI-powered underwriting and risk assessment technology to price and manage health risk.
Arlo distributes primarily through licensed benefits brokers and operates in most US states, excluding Washington, Wyoming, New York, Hawaii, DC, and Oklahoma. The company reports serving hundreds of employer groups and tens of thousands of covered lives, with customers spanning diverse industries including childcare, auto repair, technology, and food service.
Products & Services
Level-Funded Health Plans
Arlo offers transparent, level-funded health insurance plans with fixed monthly premiums. Employers receive predictable costs backed by medical stop-loss coverage.
Key Features
- USD 0 copay primary care visits and virtual urgent care
- 24/7 concierge support for claims and care coordination
- Proactive health alerts and care option recommendations
- Price transparency tools showing costs before booking
Target Users: Small and mid-sized businesses with 10 to 150 employees (up to 5,000 via Nationwide partnership)
Distribution: Through licensed benefits brokers nationwide
Mobile App and Member Services
A mobile application provides policyholders access to dedicated health guides, benefit navigation, and care coordination tools.
Key Features
- Benefit navigation and health guide access
- Claims and prior authorization support
- Prevention-focused and mental health benefits
Target Users: Individual employees covered under employer group plans
Distribution: Provided to members enrolled in Arlo group health plans
At a Glance
- Founded
- 2022
- Headquarters
- New York, NY
- Employees
- 11-50
Category & Focus
Links
Last updated: 2026-05-12