MediKarma
MediKarma is an AI-driven preventive healthcare platform using a dual-agent architecture (Jack AI for EMR intelligence, Jill AI for patient engagement) to serve health payors, employers, and individual consumers via B2B2C deployments and consumer mobile apps, with women's health expanded through the Nanell acquisition.
- Company typePrivate
- Founded2021
- HeadquartersSan Ramon, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What MediKarma does
MediKarma is a private, San Ramon, California-based healthcare AI company founded in 2021 that sells an AI-driven preventive health platform built on a dual-agent architecture. Jack AI is a patented EMR infrastructure layer that retrieves a patient's nationwide medical history in approximately 120 seconds using only Name, Date of Birth, and Zip Code, aggregates records across providers, normalizes fragmented data into a longitudinal view, and delivers predictive risk scoring validated at 90.6% correlation with future health risks and costs. Jill AI is a 24/7 conversational patient-engagement agent that uses behavioral science (the COM-B Model) and Anticipatory Intelligence to deliver personalized micro-coaching, driving a reported 35% monthly engagement rate against an industry average below 5%. Together, the agents produce a digital twin visualization with a Traffic Light risk display intended to replace confusing lab reports for end users.
MediKarma serves three primary customer types. Its core go-to-market is B2B2C: it licenses and deploys its platform to health payors and insurance providers (with Family Health Choice named as the flagship deployment, services launching November 1, 2025) and to employers offering health benefits, in both cases reaching members through consumer mobile apps on iOS and Android. It also reaches individual consumers directly through those same apps. In January 2026 the company launched the first agentic AI licensing program in healthcare, allowing healthcare enterprises to embed Jack AI and Jill AI as agents within their own platforms. In February 2026 MediKarma acquired Nanell from Niterra Co., Ltd., adding digital pregnancy tracking and women's health to the platform, with a 60–90 day knowledge-transfer period, equity-linked consideration, and a revenue-share component tied to Nanell's growth.
MediKarma generates revenue primarily through enterprise licensing and B2B2C platform deployment fees (subscription/recurring and licensing/royalty structures), with a new licensing stream from the agentic AI program. The company holds a HIPAA compliance certification, has three directors listed (Donald Jones, Christina Noble, Krishna Ramachandran), and has raised a single disclosed $1.5M seed round in April 2022. It reports 11–50 employees and has no public financials, though a clinical study with Dallas Endocrinology demonstrated 50% A1C reduction using the platform.
MediKarma firmographics
Firmographics- Name
- MediKarma
- Legal name
- MEDIKARMA
- Website
- https://medikarma.ai
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MediKarma is an AI-driven preventive healthcare platform using a dual-agent architecture (Jack AI for EMR intelligence, Jill AI for patient engagement) to serve health payors, employers, and individual consumers via B2B2C deployments and consumer mobile apps, with women's health expanded through the Nanell acquisition.
- Ownership category
- akta.pro rank
MediKarma industry classification
Industry- Product category
- AI Preventive Healthcare Software
- NAICS
- Software Publishers (513210), Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- SaMD – Digital Biomarkers & Algorithmic Endpoints (HLACANAF)
- akta.pro secondary industries
- EHR Extensions, APIs, App Marketplaces & SMART-on-FHIR Apps (HLACAAAN), Healthcare & Wellness Personalization (HDAAAGAI)
Keywords
Where MediKarma is headquartered
LocationHeadquarters
- HQ city
- San Ramon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MediKarma business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- AI Platform Licensing: MediKarma licenses its Agentic AI platform (Jack AI and Jill AI) to healthcare enterprises, enabling autonomous AI agents to improve patient care, disease management, and healthcare decision-making. This is the primary revenue-generating model with a licensing structure.
- B2B2C Platform Fees: MediKarma serves payors and employers through its B2B2C model, where partners like Family Health Choice deploy the platform to their members. Revenue is generated through platform deployment and engagement fees contracted with enterprise partners.
- Nanell Acquisition Revenue Components: The acquisition of Nanell included equity-linked consideration and a revenue-share component tied to Nanell's future growth, suggesting MediKarma may also participate in revenue generated from the integrated women's health/pregnancy solutions.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
MediKarma product offering
Product offeringCore offering
MediKarma provides an AI-driven preventive healthcare platform that fuses Frictionless EMR retrieval with real-time biometrics to predict future health risks at 90.6% validated accuracy. Its dual-AI architecture pairs Jack AI (enterprise-grade EMR aggregation and longitudinal patient intelligence) with Jill AI (a 24/7 conversational personal health agent delivering behavioral nudges and micro-coaching). The offering is sold to health payors and employers via enterprise deployments and an Agentic AI Licensing Program, and to individual members through iOS and Android mobile apps that generate a living digital twin and Traffic Light health visualization.
Product overview
MediKarma offers a unified AI-driven healthcare platform built on a dual-agent architecture. The core platform integrates Jack AI (enterprise intelligence for EMR data retrieval and aggregation) and Jill AI (personal health agent for patient engagement) to create a Digital Twin and Health Score for risk assessment. The platform fuses frictionless EMR access with real-time biometrics and supports 35% monthly engagement through behavioral nudges. In February 2026, MediKarma expanded into women's health through the acquisition of Nanell, a digital pregnancy solution, integrating it into the existing B2B2C platform for employers and payors.
Differentiator
Problem solved
Functional benefit
Brands
- Jack AI: Enterprise Intelligence AI - Patented EMR infrastructure that retrieves complete, nationwide patient medical histories in approximately 120 seconds using only Name, Date of Birth and Zip Code
- Jill AI
- Agentic AI Licensing Model
Products and services
- MediKarma Platform
Quantifiable outcome
- 90.6% validated accuracy in predicting future health risks and costs
- +4 more outcomes
Companies that use MediKarma
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
MediKarma technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature6 records
MediKarma partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- Niterra Ventures CompanyminorNiterra Ventures Company, the venture arm of Niterra Co., Ltd., served as the seller in MediKarma's acquisition of Nanell. The deal included a 60-90 day knowledge transfer period with Niterra Ventures providing transitional support. The acquisition integrates Nanell's IP, product assets, and operations into MediKarma's platform. Deal structure included equity-linked consideration and revenue-share tied to Nanell's future growth.
- Dallas EndocrinologycoreClinical partnership for a validated intervention study demonstrating MediKarma's Agentic AI platform. The study showed significant A1C reductions among patients, with the platform's ability to automate patient engagement and medical record retrieval contributing to high efficacy and adoption rates. This validation led to a large deployment with Family Health Choice.
- Family Health ChoicecoreStrategic partnership announced October 21, 2025, integrating MediKarma's AI-driven health guidance and care navigation tools into Family Health Choice's services. Services launched November 1, 2025, providing personalized health support and education for Family Health Choice members, enhancing member engagement and proactive healthcare management.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
MediKarma competitors and assessment
Company assessmentDirect peers
- Innovaccer: A health data platform that aggregates EHR/claims data into a unified longitudinal patient record and layers analytics and AI on top for payors, providers, and employers. Highly comparable to MediKarma's Jack AI core, with a similar go-to-market into health plans and risk-bearing entities.
- Health Catalyst: Enterprise healthcare data and analytics platform that consolidates clinical, claims, and operational data to power AI-driven insights for health systems and payors. Comparable to MediKarma's Jack AI architecture and predictive health-score use cases, though typically sold into provider systems rather than payors/employers.
- Tempus AI: AI-driven precision medicine platform that structures multi-modal clinical and molecular data to predict outcomes and inform care decisions. Comparable to MediKarma on the predictive-analytics layer applied to large, fragmented patient datasets, though Tempus is focused on oncology and clinical research.
- Accolade: Personalized healthcare navigation and engagement platform sold B2B2C to employers and payors, combining data-driven insights with human advocates to drive utilization and outcomes. Closely comparable to MediKarma's Jill AI engagement layer and B2B2C distribution into employers and health plans.
- Collective Health: Employer-sponsored health benefits platform that integrates data, navigation, and care programs to improve member outcomes and cost. Highly comparable to MediKarma's employer/B2B2C motion and its goal of becoming the intelligent layer between payors and members.
- Arcadia: Healthcare data platform that aggregates EHR, claims, and social-determinants data into a unified record for population health and value-based care. Directly comparable to MediKarma's Jack AI longitudinal-record aggregation and predictive risk-stratification use cases.
- Babylon Health: AI-powered digital health platform offering symptom assessment, triage, and virtual care integrated with population health management for payors and providers. Comparable to MediKarma on the conversational AI health agent (Jill AI) and predictive risk scoring themes, though Babylon is more virtual-care oriented.
Emerging players
- Omada Health: Digital therapeutic and behavior-change platform targeting chronic conditions (diabetes, hypertension, MSK), sold B2B2C to payors and employers. Overlaps with MediKarma on the behaviorally-nudged engagement layer and demonstrated A1C outcomes, though Omada emphasizes human coaching programs alongside digital tools.
- Virta Health: Digital health company that uses continuous remote care and personalized nutrition to reverse type 2 diabetes, with strong B2B2C payor and employer contracts. Comparable to MediKarma on diabetes outcomes (A1C reduction), enterprise go-to-market, and use of behavioral science in engagement.
Broad incumbents
- Verily (Alphabet): Alphabet-owned precision health platform combining real-world clinical data, AI, and care programs for chronic disease and population health. Comparable to MediKarma's data-aggregation-plus-AI-for-health-outcomes thesis, with significantly greater capital, scale, and ecosystem reach.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
MediKarma social profiles
Digital presenceMediKarma compliance and trust
Trust signalCompliance1 record
MediKarma financial estimates
Financial estimateRevenue estimate
Valuation estimate
MediKarma leadership team
Management profileNumber of profiles
Profiles3 records
MediKarma subsidiaries and ownership
Company hierarchySubsidiaries1 record
MediKarma funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MediKarma M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MediKarma
What does MediKarma do?
MediKarma provides an AI-driven preventive healthcare platform that fuses Frictionless EMR retrieval with real-time biometrics to predict future health risks at 90.6% validated accuracy. Its dual-AI architecture pairs Jack AI (enterprise-grade EMR aggregation and longitudinal patient intelligence) with Jill AI (a 24/7 conversational personal health agent delivering behavioral nudges and micro-coaching). The offering is sold to health payors and employers via enterprise deployments and an Agentic AI Licensing Program, and to individual members through iOS and Android mobile apps that generate a living digital twin and Traffic Light health visualization.
Is MediKarma a public or private company?
MediKarma is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MediKarma founded?
MediKarma was founded in 2021. It employs 11 to 50 people.
Where is MediKarma based?
MediKarma is headquartered in San Ramon, United States, in the North America region.
How does MediKarma make money?
Three revenue lines are on record. AI Platform Licensing is the primary driver. The others are B2B2C Platform Fees and nanell Acquisition Revenue Components.
Who are MediKarma's main competitors?
Direct peers on record are Innovaccer, Health Catalyst, Tempus AI, Accolade, Collective Health, Arcadia and Babylon Health. Emerging players are Omada Health and Virta Health. Verily (Alphabet) is listed as a broad incumbent.
Does MediKarma have an API?
No public API is recorded for MediKarma.
What industry is MediKarma in?
MediKarma's product category is AI Preventive Healthcare Software. Its primary akta.pro industry code is HLACANAF, SaMD – Digital Biomarkers & Algorithmic Endpoints, with a secondary code of HLACAAAN, EHR Extensions, APIs, App Marketplaces & SMART-on-FHIR Apps. Its NAICS code is 513210 and its SIC code is 7372.