Arbital Health

Arbital Health

Neutral adjudicator for value-based contracts

Overview

Arbital Health provides value-based care adjudication services in the U.S. healthcare market by combining actuarial consulting with technology to manage value-based contracts. Its platform integrates actuarial data and specialized software to calculate performance targets and settle payments or penalties for risk-based arrangements. As a neutral third-party adjudicator, Arbital Health offers an independent ecosystem for providers, payers, and employers to negotiate and administer value-based contracts, reducing disputes and ensuring common data standards. The goal is to accelerate adoption of value-based care by removing administrative and financial friction and making outcomes-based contracting a standard practice.

Significant Headcount Growth

About Arbital Health

Simplify's Rating
Why Arbital Health is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Consulting

Enterprise Software

Healthcare

Company Size

51-200

Company Stage

Series B

Total Funding

$41M

Headquarters

Santa Rosa, California

Founded

2023

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Simplify's Take

What believers are saying

  • May 7, 2026 HITRUST i1 and SOC 2 Type 2 unlock enterprise sales.
  • March 2026 summit and March 5 Merlin adoption evidence rising demand from payers.
  • July 29, 2025 Series B funding supports product expansion and commercial hiring.

What critics are saying

  • June 2026 LEAD-model tooling ties growth to CMS reimbursement rules and deadlines.
  • Arbital’s 50+ clients and 1M+ lives still leave concentration risk before repeatable scale.
  • If VBC spending slows, Arbital becomes a niche services firm, not durable software infrastructure.

What makes Arbital Health unique

  • Arbital combines 25 actuaries with AI, then adjudicates contracts, not just analyzes them.
  • July 15, 2026 Flex delivers self-serve actuarial-grade VBC analysis without engineering implementations.
  • Arbital claims neutral third-party infrastructure, strengthened by Santa Barbara Actuaries’ 2024 acquisition.

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Funding

Total Funding

$41M

Below

Industry Average

Funded Over

2 Rounds

Series B funding is typically for startups that have proven their business model and need more funding to expand rapidly—often by entering new markets or adding more products. Investors are usually venture capital firms that specialize in later-stage investments.
Series B Funding Comparison
Below Average

Industry standards

$35M
$31M
Arbital Health
$45M
Linktree
$65M
Substack
$100M
ClickUp

Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

Unlimited Paid Time Off

Flexible Work Hours

Hybrid Work Options

Stock Options

Employee Referral Bonus

Wellness Program

Mental Health Support

Conference Attendance Budget

Family Planning Benefits

Fertility Treatment Support

Remote Work Options

Paid Holidays

Paid Vacation

Sabbatical Leave

Pet Insurance

Phone/Internet Stipend

Home Office Stipend

Professional Development Budget

Training Programs

Tuition Reimbursement

Professional Certification Support

Adoption Assistance

Childcare Support

Elder Care Support

Relocation Assistance

Meal Benefits

Gym Membership

Commuter Benefits

Legal Services

Employee Discounts

Company Social Events

Growth & Insights and Company News

Headcount

6 month growth

5%

1 year growth

5%

2 year growth

4%
PR Newswire
Jul 15th, 2026
Arbital Health launches Flex, self-serve actuarial AI cutting VBC insights from months to days

Arbital Health has launched Arbital Flex, a self-serve analytics solution that delivers actuarial-grade insights for healthcare payors and providers. The platform reduces value-based care analysis time from months to days. Flex targets providers evaluating value-based contracts, small and mid-sized organisations with limited actuarial staff, and providers assessing population risk. Users can upload their own data, analyse populations, benchmark performance, and query results through natural language via the Arbital AI Assistant. The solution requires no engineering resources or lengthy implementation. "Risk contracts demand proactive, forward-looking insight, not retrospective reporting," said Brian M. Overstreet, Arbital Health's president and CEO. Arbital Health provides actuarial AI-enabled infrastructure for risk-based healthcare contracts. The company is backed by Valtruis, Transformation Capital, Shaper Capital, and Healthy Ventures.

Arbital Health
Jul 15th, 2026
Arbital Health launches Arbital Flex, a self-serve Actuarial AI solution for payors and providers.

Arbital Health launches Arbital Flex, a self-serve Actuarial AI solution for payors and providers. Jul 15, 2026 New offering delivers actuarial-grade analytics on demand, cutting value-based care time-to-insight from months to days. SAN FRANCISCO - July 15, 2026 - Arbital Health, a leader in actuarial AI-enabled infrastructure for healthcare, today announced the launch of Arbital Flex, a self-serve analytics solution that extends the company's actuarial-grade analytics engine to a broader range of payor and provider organizations. Designed for speed and accessibility, Flex allows teams to proactively manage their value-based care performance, working with their own data, on their own timeline. Flex is built for organizations that need actuarial insight most, including: * Providers evaluating value-based care (VBC) entry, who need to model contract economics before committing to risk * Small and mid-sized payors and providers with limited actuarial staff, who require expert-level analytics without the overhead of a full actuarial function * Providers assessing population risk ahead of a value-based contract, who need clarity on exposure before signing With Flex, organizations can upload their own data, analyze any population, benchmark performance against national targets, and query results in natural language through the Arbital AI Assistant. The result is actuarial-grade insight delivered in days rather than the months typically required for platform technology implementations or consulting engagements. "For organizations new to value-based care, delayed performance visibility quickly becomes costly," said Brian M. Overstreet, President and CEO of Arbital Health. "Risk contracts demand proactive, forward-looking insight, not retrospective reporting. Flex gives payor and provider organizations the fastest path to value-based care insight available today, so our clients can make smarter risk decisions from day one." "Arbital brings a level of actuarial expertise to value-based care that is essential for our team," said Beth Houck, CEO of Sonar MD. "The analytical depth behind the platform reflects years of specialized work in risk contract economics, and Flex makes that expertise accessible instantly. Combined with the fact that we hold the largest IBD dataset in the industry, the foundation for succeeding in VBC specialty models, our team was extracting meaningful insight within days of getting started." "There is no other solution like Flex on the market today," said Jiaming Wang, Head of Product at Arbital Health. "Payor and provider teams have historically had to choose between manual analysis and costly consulting engagements. Flex offers a third option: an AI-enabled, self-serve platform that delivers Arbital's actuarial expertise in days, not months." The complete Arbital AI Platform adds the support of its team of expert VBC actuaries, the same actuaries who built Arbital Flex and have spent decades working inside value-based care and complex risk arrangements. The team stays actively in tune with shifting market dynamics, regulatory changes, and emerging cost trends, so the platform evolves with the market rather than chasing it. Flex requires no engineering resources, no lengthy implementation, and no existing risk contract to get started. To learn more, please visit its website. About Arbital Health: Arbital Health provides the Actuarial AI-enabled infrastructure for providers and payors to successfully manage risk-based contracts. Combining the industry's leading value-based care actuaries with a robust AI-powered platform, Arbital Health centralizes fragmented data, accelerates contract performance monitoring, and helps speed decision making. The company's embedded actuarial AI assistant is powered by actuarial logic to continuously measure contract performance, forecast financial impact, and deliver actionable insights to drive down spend and MLR, improving patient outcomes while there is still time to act. Arbital Health is led by a best-in-class team of healthcare actuaries, engineers, and industry veterans, and backed by leading investors: Valtruis, Transformation Capital, Shaper Capital and Healthy Ventures. For more information, visit ArbitalHealth.com. Press Contact: Rachel DiMartino [email protected]

PR Newswire
Jun 18th, 2026
Arbital Health launches ATLAS to help ACOs navigate CMS LEAD model ahead of August deadline

Arbital Health has launched ATLAS, an actuarial modelling tool designed to help Accountable Care Organisations evaluate participation in the Centers for Medicare & Medicaid Services' new LEAD Model ahead of the August deadline. The platform enables ACOs to assess how provider network composition affects financial performance under the 10-year programme replacing the expiring ACO REACH programme. ATLAS allows users to model benchmark impact, attribution and projected net shared savings for individual provider groups, whilst stress-testing expense trends and quality metrics. The tool uses national Virtual Research Data Center data and Arbital's proprietary actuarial logic to calculate CMS's exact LEAD benchmarking methodology. The San Francisco-based company, backed by Valtruis, Transformation Capital and others, specialises in AI-enabled actuarial infrastructure for healthcare organisations managing risk-based contracts.

Arbital Health
May 7th, 2026
Arbital Health achieves HITRUST i1, reinforcing its commitment to secure enterprise-grade Actuarial AI.

Arbital Health achieves HITRUST i1, reinforcing its commitment to secure enterprise-grade Actuarial AI. May 7, 2026 Arbital's AI-powered value-based risk contract management and measurement platform also retained its SOC 2 Type 2 compliance, ensuring data processing security. SAN FRANCISCO - May 6, 2026 - Arbital Health, the leader in Actuarial AI-enabled infrastructure for healthcare, today announced its continued investment in its enterprise-grade security and compliance foundation by securing HITRUST i1 certification and completing its annual System and Organization Controls 2 (SOC 2) Type 2 audit. To provide real-time visibility into its security posture, Arbital has also launched a dedicated Compliance Portal for its partners to easily access information and simplify third-party risk assessment. "Achieving HITRUST i1 at this early stage reflects Arbital's deliberate investment in building an enterprise-grade, security-first organization that is specifically tailored to handle protected health data of our large payor and provider clients," said Brian M. Overstreet, President and CEO of Arbital Health. "From day one, we've architected and trained our Actuarial AI platform to not only meet the needs of our C-suite clients, but also the rigorous standards required in highly regulated environments." Arbital's differentiated approach to Actuarial AI enables payors and providers to move beyond retrospective reporting and toward proactive value based care (VBC) risk management. Its solution is grounded in actuarial intelligence, with custom AI models trained in actuarial-grade logic. The Actuarial AI platform architecture was purposefully designed for enterprise-level security and compliance, to handle sensitive payor and provider data, and to safely scale across hundreds of contracts. Its operational workflows were developed based on real-world actuarial and financial practice, accelerating its clients' time to visibility by continuously measuring performance, forecasting financial impact, and identifying actionable opportunities to improve outcomes and reduce costs, while there is still time to act. "Security and governance are foundational to Arbital's capabilities," noted Robert Stewart, Chief Technology Officer at Arbital Health. "Our Actuarial AI infrastructure enforces strict data controls, auditability, and traceability across all workflows, ensuring that sensitive financial and clinical data is protected while enabling trusted, decision-grade analytics." About Arbital Health: Arbital Health provides the Actuarial AI-enabled infrastructure for providers and payors to successfully manage risk-based contracts. Combining the industry's leading value-based care actuaries with a robust AI-powered platform, Arbital Health centralizes fragmented data, accelerates contract performance monitoring, and helps speed decision making. The company's embedded actuarial AI assistant is powered by actuarial logic to continuously measure contract performance, forecast financial impact, and deliver actionable insights to drive down spend and MLR, improving patient outcomes while there is still time to act. Arbital Health is led by a best-in-class team of healthcare actuaries, engineers, and industry veterans, and backed by leading investors: Valtruis, Transformation Capital, Shaper Capital and Healthy Ventures. For more information, visit ArbitalHealth.com. Press Contact: Rachel DiMartino [email protected]

PR Newswire
Mar 19th, 2026
Arbital Health's 2026 Summit sets the Future agenda for Value-Based Care and Risk Contracting.

Arbital Health's 2026 Summit sets the Future agenda for Value-Based Care and Risk Contracting. Mar 19, 2026, 14:54 ET Policymakers, payers and providers came together to discuss the current state of value-based care, artificial intelligence (AI) and share strategies to change the trajectory of risk contracting. SAN FRANCISCO, March 19, 2026 /PRNewswire/ - Arbital Health, the leader in Actuarial AI-enabled infrastructure for healthcare, announced the successful completion of the 2026 Arbital Health Summit: the Future of Value-Based Care & Risk Contracting, its annual invite-only event dedicated to solving the toughest challenges in risk-based healthcare. The Summit continues to fundamentally shape value-based risk contracting by bringing together payer and provider executives to share what's driving performance in value-based care, with real-world results from the industry's highest-performing companies. "The Arbital Summit is always a moment of truth for us: are we helping the industry solve its hardest risk-contracting problems? What we heard from over 150 payer and provider leaders this year was that value-based care is working, but organizations often struggle to demonstrate financial impact within short contract cycles. They question how to bring actuarial clarity to clinical interventions by making the economics tangible, and how to determine whether AI investments are truly reducing costs or adding complexity," said Brian M. Overstreet, President and CEO of Arbital Health. "That points to a clear need for a larger deployment of Actuarial AI infrastructure to support value-based risk contracting at scale. This will unlock the next phase of value-based care." Mark Gwynne, Chief Value Officer, UNC Health, also reflected on the event: "This was a group of executives that operate and think at a really high level, globally. Folks who are thinking of strategy and folks who are in the weeds. Blending all those perspectives together is really interesting and different. There were several 'aha' moments around AI. Aneesh Chopra's question, 'Is AI inflationary, or deflationary?' was thought-provoking." Operational and administrative complexity in risk-based contracting is not new, but several panelists noted a meaningful shift in how organizations are approaching solutions. AI's role, for example, in providing line-of-sight between patient outcomes and financial impact, enabled by Actuarial AI, is allowing teams to manage contract performance more proactively than ever before. "We're in the midst of what I would call an evolutionary revolution. AI is going to really transform the way we practice medicine and manage data. It enables us to make better decisions to care for patients. But it's a process that has to evolve, and I think we're still at the early stages of that," explained panelist Andrew C. Von Eschenbach, President, Samaritan Health Initiatives and Former FDA Commissioner. "Once we acquire and aggregate all of this data and information, how do we properly analyze it so that we can confidently and comfortably react and act on it?" "The Arbital Summit gave me an opportunity to look beyond the day-to-day, and think about what technology and tools will give ACOs (Accountable Care Organizations) an even better, more complete understanding of the longitudinal patient journey," shared panelist Emily Brower, President & CEO of National Association of ACOs. "ACOs use data to deliver value to individual patients. We have enough evidence to illustrate what pathway works for a patient. You gain confidence to build that pathway and know that if I do A, there's a pretty good chance I will get B." As value-based care accelerates in 2026, the ability to make fast, informed decisions is becoming a competitive necessity. Organizations that are already operationalizing and scaling Actuarial AI platforms like Merlin AI, the first Actuarial AI assistant designed to bring generative intelligence into risk contracting, are demonstrating a measurable performance edge. Financial and clinical leaders described using Merlin to surface cost drivers and actions that have bent the cost curve, producing results that have played out across hundreds of contract settlements and touched millions of covered lives. The 2026 Arbital Summit made it clear that the organizations winning in value-based care are not waiting for perfect conditions. They are moving now, with better data, sharper AI-powered tools, and a clearer understanding of what drives performance. Arbital remains committed to building the Actuarial AI infrastructure that makes that possible and looks forward to continuing these conversations with the industry in the year ahead. Sam Deshpande, Former CIO of Humana synthesized the event well, saying: "Value-based care holds the promise of meeting healthcare's greatest challenge: delivering high-quality care at an affordable cost. I am excited to see Arbital Health's AI platform, along with leading voices across the industry, help shape the future." About Arbital Health: Arbital Health provides the Actuarial AI-enabled infrastructure for providers and payers to successfully manage risk-based contracts. Combining the industry's leading value-based care actuaries with a robust AI-powered platform, Arbital Health centralized fragmented data, accelerates contract performance monitoring, and helps speed decision making. Merlin AI, the company's embedded actuarial AI assistant, is powered by actuarial logic to continuously measure contract performance, forecast financial impact, and deliver actionable insights to drive down spend and MLR, improving patient outcomes while there is still time to act. Arbital Health is led by a best-in-class team of healthcare actuaries, engineers, and industry veterans, and backed by leading investors: Valtruis, Transformation Capital, Shaper Capital and Healthy Ventures. For more information, visit ArbitalHealth.com. SOURCE Arbital Health

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