XO Health

Integrated health plan administration and value-based payment platform for self-insured employers and TPAs

Core Administration Growth Series C+

Overview

XO Health is a health plan administration and value-based care platform serving self-insured employers, level-funded plans, and third-party administrators. The company provides integrated medical and pharmacy plan management with embedded payment technology designed to align plan administrators, providers, and members around shared health outcomes.

The platform combines employer health plan design, risk-based payment orchestration, and member services into a unified system. Core capabilities include real-time value-based contract management, prior authorization streamlining, and a member experience layer integrated with provider search powered by Kyruus Health. The solution is delivered as a SaaS platform with API integrations to third-party healthcare financing and clinical data sources.

Founded in 2021 and launched operationally in January 2025, XO Health raised USD 52.2M in a Series C round led by Thurston Group and Sea Court Capital. Initial markets include Atlanta, Dallas, Houston, and Minneapolis. The company reported a 20% embedded savings guarantee for participating employers and has established partnerships with Kyruus Health and PayMedix.

Products & Services

Employer Health Plans

Fully integrated medical and pharmacy plans for self-insured employers and level-funded plans. Includes flexible plan design, real-time data and reporting, and an embedded 20% savings guarantee.

Key Features

Tailored plan designs for self-insured and level-funded structures
Real-time data dashboards and actionable analytics
Embedded savings guarantee with performance reporting

Target Users: Self-insured employers, level-funded plan sponsors

Payment and Network Solutions

Risk technology platform enabling payers and providers to manage value-based contracts in real time without manual risk reconciliation processes.

Key Features

Contract modeling and attribution
Real-time payment orchestration
Combined clinical and financial reporting

Target Users: TPAs, value-based care providers, health plan administrators

Member Services Platform

Member experience platform providing access to care navigation, advocacy services, and provider search capabilities.

Key Features

150+ inclusive care packages
Provider search powered by Kyruus Health integration
Dedicated member advocacy and care navigation

Target Users: Plan members, employer HR administrators

At a Glance

Founded: 2021
Headquarters: Stamford, Connecticut
Employees: 51-200
Funding: Series C+

Category & Focus

Category: Core Administration
Subcategories: Health plan administration value-based payment benefits platform
Insurance Verticals: Health Group Benefits
Target Customers: Employers, TPAs, Carriers