Arlo is a health insurance technology company offering level-funded health plans built for small businesses with fewer than 100 employees. It pairs AI-powered underwriting with value-based care principles, using data and machine learning to price risk more accurately for small groups that have traditionally been underserved by the level-funded market. By bringing modern underwriting and value-based design to this segment, Arlo aims to deliver more affordable, predictable health benefits to small employers. The company raised $4M to advance its AI-powered underwriting and expand its level-funded offering, positioning it within the AI-driven health insurance wave reshaping how small-group coverage is priced and delivered.