Mending

What Mending does

Mending is a US health insurance and care-delivery technology company, founded in 2021 and headquartered in New York, that integrates Direct Primary Care (DPC) into health plan offerings for both individuals and employer populations. The company operates two products: Mending Insurance, ACA Marketplace plans sold in Maine and Oklahoma that embed a free DPC membership, and Mending Access, a B2B platform launched in January 2026 that enables third-party administrators and self-funded employers nationwide to offer DPC benefits through Mending's national provider network. The platform's proprietary technology automates per-patient monthly payments to DPC physicians and aggregates claims-level clinical data for employer ROI reporting.

The company generates revenue through ACA Marketplace insurance premiums (Individual and Small Group, in wind-down after December 31, 2026) and through B2B platform licensing and access fees from TPAs and self-funded employers via Mending Access. Distribution is hybrid: direct-to-consumer enrollment via the HealthSHERPA platform and licensed broker networks in Maine and Oklahoma, plus enterprise sales and TPA/channel partnerships nationally for Mending Access. Mending holds URAC Health Insurance Exchange accreditation (HIX010025), covers 20,000+ members on the consumer side, and reports 100,000+ lives covered through the Mending Access platform since its January 2026 launch. The June 2026 partnership with CommunityCare (CCOK) transitions the Oklahoma ACA book to a co-branded carrier arrangement effective January 1, 2027, signaling a structural pivot from a licensed carrier model to a technology-and-network platform business.

Name

Mending

Legal name

Mending

Website

https://mending.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Mending is a US health insurance and technology company integrating Direct Primary Care into health plans, serving individual ACA members in Maine and Oklahoma and TPAs and self-funded employers nationwide through its Mending Access B2B platform launched in 2026.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)

akta.pro secondary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Direct primary care
• Health insurance plans
• ACA marketplace insurance
• Employer health benefits
• TPA technology platform

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. ACA Marketplace Insurance Premiums: Mending offers Individual Marketplace health insurance plans in Maine and Oklahoma. Plans include integrated Direct Primary Care coverage as a core benefit. The company has announced discontinuation of fully-insured individual and small group plans after December 31, 2026.
2. Employer-Sponsored Health Benefits: Mending integrates DPC into employer-sponsored health plans. The DPC membership is covered by employers at no additional cost to employees. Revenue comes from employer health plan contracts.
3. Mending Access for TPAs: B2B platform licensing/access fees from TPAs and self-funded employers for DPC network access and integrated technology platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Mending sells health insurance and health benefits products with Direct Primary Care (DPC) bundled in. Its consumer product, Mending Insurance, offers ACA Marketplace individual and small group plans in Maine and Oklahoma that include a free DPC membership covering preventative care, chronic conditions, labs, and prescriptions. Its B2B product, Mending Access, is a technology platform that enables TPAs and self-funded employers nationwide to integrate DPC benefits into their employer-sponsored health plans.

Product overview

Mending is a healthcare company focused on Direct Primary Care (DPC), operating two main products: Mending Insurance (ACA marketplace health plans with integrated DPC coverage in Maine and Oklahoma) and Mending Access (a platform for TPAs and self-funded employers to integrate DPC into their health plans). The company partners with a national network of DPC doctors to provide members with longer appointments, direct doctor access, and preventive care.

Differentiator

Problem solved

Functional benefit

Brands

• Mending Access: Platform integrating Direct Primary Care into employer health plans, enabling TPAs and self-funded employers to offer DPC benefits to their members.

Products and services

• Mending Insurance ACA Marketplace individual and small group health insurance plans available in Maine and Oklahoma, with integrated Direct Primary Care membership included at no additional cost. Plans cover preventative care, urgent care, chronic condition management, labs, and prescriptions, with same/next-day appointments, 45-minute visits, and direct phone/text access to the DPC physician.
• Mending Access B2B technology platform that integrates Direct Primary Care into employer-sponsored health plans, enabling TPAs and self-funded employers to offer DPC benefits to their members nationwide. Provides automated per-patient monthly payments to DPC physicians, claims-level clinical data for ROI analysis, and access to a national DPC provider network.

Quantifiable outcome

• Over 100,000 lives covered through Mending Access platform since January 2026

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• CommunityCare (CCOK)flagshipStrategic or Co-development Partner · 22 June 2026Partnership to create Oklahoma ACA Marketplace health plans featuring in-network Direct Primary Care providers starting January 1, 2027. Combines CommunityCare's local health plan experience with Mending's DPC technology platform to expand access to relationship-based, preventive primary care for Oklahomans. Current Mending policyholders with DPC coverage will be transitioned to CommunityCare plans during Open Enrollment for Plan Year 2027.
• HealthSHERPAcoreChannel Partner/ Reseller/ DistributorOnline enrollment platform partner for ACA marketplace plan enrollment. Consumers can enroll in Mending plans through HealthSHERPA during open enrollment periods.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Forward Health: Forward Health is a membership-based primary care technology company with its own clinics and a tech-forward care model. While it focuses on direct consumer membership rather than insurance integration, it is comparable to Mending's DPC value proposition and represents a potential future competitive threat in the relationship-based primary care category.

Direct peers

• Vitable Health: Vitable Health provides employer-sponsored DPC benefits as an add-on to existing health plans, targeting small and mid-sized employers. It directly overlaps with Mending Access's value proposition of integrating DPC into employer health benefits with no cost to employees.
• Premise Health: Premise Health provides employer-sponsored primary care, including on-site and near-site clinics, as well as integrated wellness programs. Comparable to Mending as both deliver direct primary care experiences to employer-covered populations and partner with TPAs and health plans.
• Oscar Health: Oscar Health is a tech-enabled ACA Marketplace health insurer with a similar product/customer profile to Mending Insurance. Both target individual ACA buyers with differentiated, technology-forward plan designs and emphasize member experience improvements over traditional carriers.
• Everside Health: Everside Health operates DPC and on-site/near-site clinics for employers and health plans. It is directly comparable to Mending on the DPC provider-network side, as both deliver relationship-based primary care to employer-sponsored populations.
• Centivo: Centivo offers employer-sponsored health plans built around a primary-care-centric model with curated provider networks. It competes with Mending Access for the same self-funded employer customer segment prioritizing cost-effective primary-care-led health benefits.
• Hint Health: Hint Health operates a DPC enablement platform that integrates Direct Primary Care into employer health plans and provides technology for DPC practices — directly comparable to Mending Access on the B2B platform side. Both companies compete to become the infrastructure layer connecting DPC providers with employer-sponsored benefits.
• Bright Health Group: Bright Health operated tech-enabled ACA Marketplace and Medicare Advantage plans with integrated care delivery, similar in model to Mending Insurance. Although smaller today, it shares the ACA-tech-insurer category positioning with Mending.

Broad incumbents

• agilon health: agilon health partners with primary care physicians to deliver value-based care for Medicare Advantage and ACO populations. While focused on Medicare rather than ACA, it is comparable to Mending on the integrated primary-care-plus-insurance model and serves similar employer/plan sponsor customers via partnerships.
• One Medical (Amazon): One Medical (now part of Amazon) offers membership-based primary care with longer appointments and digital access, similar in care-delivery philosophy to Mending's DPC model. Both compete for patients seeking relationship-based primary care, though One Medical operates at much larger scale.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/mendinghealthinsurance
• LinkedInlinkedin.com/company/mendinghealth
• Instagraminstagram.com/mending_health
• Xx.com/mending_health

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors9 records

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

M&A

Investments

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

Frequently asked questions about Mending