Included Health

What Included Health does

Included Health, Inc. is a privately held U.S. healthcare technology company headquartered in San Francisco that delivers an integrated virtual care, navigation, and benefits-advocacy platform to large self-insured employers, health plans, public sector organizations, labor unions, and benefit consultants. The company operates a "platform-plus-modules" architecture: All-Included Care bundles virtual-first care delivery, benefits guidance, claims advocacy, and 24/7 member support into a single app, supported by modular solutions including Included Navigation, the Included Care Clinic (with Virtual Primary Care, Behavioral Health, Everyday & Urgent Care, and a Specialty Care Clinic launched in 2025), Alternative Plan Design, and the Doctor On Demand nationwide virtual practice retained as an acquired brand. The company reports partnerships covering roughly 50 million lives through 30+ health plans and approximately one-third of the Fortune 100.

The underlying technology combines AI and human care delivery under an "AI+EQ" model. The generative AI assistant Dot, launched publicly in December 2025 after roughly 18 months of internal testing, processes over ten billion AI tokens and operates clinician-in-the-loop, with a peer-reviewed NEJM Catalyst framework documenting a 65% reduction in unnecessary clinician handoffs. Provider Connect, launched in May 2026, is an AI-powered matching engine built on data from approximately 140 million patients, tens of billions of clinical/cost/quality data points, and 300+ specialty-specific quality measures, reportedly achieving a 92% lift in connections to top-quartile providers and ~$700 average 1-year savings per converted referral. The platform is anchored by a certified Electronic Health Record with Epic interoperability, HIPAA and CCPA compliance, and URAC Case Management accreditation.

The business model is enterprise B2B subscription with outcome-based overlays. Revenue is generated through multi-year contracts sold to employers, health plans (including Blue Shield of California), public sector entities (e.g., CalPERS PPO Power-Up), and labor unions, priced via custom demo-based quotes rather than public list pricing. The Alternative Plan Design introduces a copay-first, trend-based guarantee model with shared risk/reward. Distribution is led by enterprise field sales augmented by a benefit consultant/broker channel, with member activation via a B2B2C mobile app (iOS and Android). Included Health is described as profitable as of January 2025 after a 2022 IPO filing that did not proceed, and has raised approximately $344M in cumulative outside funding since 2011.

Name

Included Health

Legal name

Included Health, Inc.

Website

https://includedhealth.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Included Health delivers an integrated virtual care, navigation, and benefits-advocacy platform combining AI tools with more than 1,000 in-house clinicians, sold primarily to large self-insured employers, health plans, public sector organizations, and labor unions across the United States.

Ownership category

akta.pro rank

Product category

Virtual Healthcare Navigation and Care Delivery

NAICS

Offices of Physicians (6211), Offices of Physicians, Mental Health Specialists (621112), Ambulatory Health Care Services (621)

SIC

Services-Offices & Clinics Of Doctors Of Medicine (8011), Services-Health Services (8000)

akta.pro primary industry

Care Navigation, Advocacy & Benefits Guidance Platforms (HLALADAJ)

akta.pro secondary industries

Integrated Virtual-First Primary + Urgent Hybrid Platforms (HLALAJAM), Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA), Care Navigation, Referral & Digital Front Door Platforms (HLALABAH)

Keywords

• Virtual care delivery
• Healthcare navigation services
• Employer health benefits
• Behavioral health services
• Expert medical opinion

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Enterprise B2B Contracts with Employers, Health Plans, and Public Sector: Recurring contracts sold to large self-insured employers, health plans (including 30+ health plan partnerships covering 50M lives), public sector organizations (e.g., CalPERS), labor unions and benefit consultants. Bundles All-Included Care, Included Navigation, Included Care Clinic, and Alternative Plan Design under multi-year engagements with shared risk/reward, trend-based guarantees, and aggressive savings targets.
2. Sponsored Member Access Programs: Sponsored offerings where corporate partners (e.g., McDonald's) provide free virtual care access to their employees/retail workers, with Included Health paid by the sponsoring organization under contracted terms.
3. Alternative Plan Design with Trend-Based Guarantees: Copay-only, AI-native, PCP-led health plan alternative for employers, with trend-based guarantees and shared upside. Now live for large self-insured employers with broader availability planned for the 2027 plan year.
4. Strategic Partnerships, Integrations, and Adjacent Care Services: Partnerships with payers, providers, retail employers and tech firms (Google DeepMind/MedLM, CalPERS/Blue Shield/Milliman) enable additional revenue from integration deployments, joint research, and supplemental services such as Expert Medical Opinion referrals.

Pricing tiers

Go-to-market motion4 records

Core offering

Included Health operates an integrated virtual care and healthcare navigation platform that combines virtual care delivery (primary care, behavioral health, urgent care, specialty care, expert medical opinion), clinical navigation, benefits advocacy, and 24/7 support into a single app. The offering is sold as multi-year enterprise contracts to large self-insured employers, health plans, public sector entities, and labor unions, and is powered by a generative AI assistant (Dot) and an AI provider-matching engine (Provider Connect) operating with clinician-in-the-loop oversight across a certified EHR with Epic interoperability.

Product overview

Included Health operates a platform-plus-modules architecture centered on its All-Included Care™ integrated offering, which combines clinical navigation, virtual-first care delivery, and benefits advocacy into a single connected experience delivered through the Included Health app and powered by a certified Electronic Health Record (EHR) with Epic interoperability. The modular solutions portfolio includes Alternative Plan Design (a copay-first employer health plan), Included Navigation (clinical navigation and engagement), and Included Care Clinic (comprehensive virtual care delivery). Sub-modules within the ecosystem include Virtual Primary Care, Behavioral Health, Everyday & Urgent Care, and Expert Medical Opinion. Provider Connect is an AI-powered provider matching engine embedded across the platform, and Dot is the generative AI healthcare assistant that powers clinician-in-the-loop interactions across the experience. Doctor On Demand by Included Health serves as the underlying virtual care practice brand (acquired in 2021). Supporting programs include the Healthy Days outcome measurement pilot and the Communities Offering for LGBTQ+ and Black individuals.

Differentiator

Problem solved

Functional benefit

Brands

• Doctor On Demand: Nationwide virtual care practice delivering virtual primary care, behavioral health, everyday and urgent care, and chronic condition management as part of Included Health's integrated offering; marketed as "Doctor On Demand by Included Health."
• All-Included Care
• Included Navigation
• Included Care Clinic
• Alternative Plan Design
• Provider Connect
• Dot

Products and services

• All-Included Care

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability12 records

Feature6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• One Medical (Amazon):
• Teladoc Health: Teladoc Health is a publicly traded incumbent in virtual care, offering telehealth, chronic care, and mental health services to employers, health plans, and providers. It overlaps broadly with Included Health's virtual care delivery and behavioral health offerings, but lacks the same depth of navigation and benefits advocacy.
• Amwell: Amwell is a virtual care platform serving health systems, health plans, and employers with telehealth infrastructure and direct-to-consumer services. It overlaps with Included Health's Doctor On Demand virtual practice and provider-integrated delivery model.

Direct peers

• Accolade: Accolade offers personalized healthcare navigation and virtual care for large self-insured employers and health plans, combining advocacy, clinical navigation, and integrated virtual primary care—directly mirroring Included Health's All-Included Care value proposition.
• Quantum Health: Quantum Health is a leading employer-focused healthcare navigation and care coordination platform, competing head-to-head for self-insured employer RFPs and benefits consultant recommendations in the same core buyer segment as Included Health.
• Lyra Health: Lyra Health provides employer-sponsored mental health benefits, including therapy, coaching, and psychiatry through a virtual network. It directly competes with Included Health's Behavioral Health offering for the same employer-sponsored buyer and benefits consultant channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/IncludedHealth
• LinkedInlinkedin.com/company/includedhealth
• Instagraminstagram.com/Includedhealth

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds7 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Included Health