Arlo raises $4 million to expand small business health plans

Arlo Health , a provider of level-funded health plans for small and mid-sized businesses, has raised a $4 million seed round led by Upfront Ventures, with participation from 8VC and General Catalyst.

In its first year, Arlo wrote mid-eight figures in premium and partnered with reinsurers, including Nationwide .

Arlo targets businesses with 10 to 150 employees, offering health plans built around value-based care, cost transparency, and AI-enabled underwriting. The company’s model aims to support preventive care and improve long-term health outcomes, while giving small employers more control over pricing and plan design—an advantage typically reserved for large employers.

The funding will be used to expand Arlo’s broker network, scale operations, and grow its engineering and sales teams.

Founded by Jan-Felix Schneider (formerly at Palantir) and Karthik Bhaskara (previously at Finch), Arlo is positioning itself as an alternative to traditional health insurance for employers priced out by legacy carriers.