About Kailo
Kailo was built on a simple observation: most American families are massively overpaying for healthcare they barely use.
The average family spends $3,000–$5,000 per month on health insurance premiums — for a plan with $5,000+ deductibles, 3-week appointment waits, and a doctor who doesn't know their name. A better model already exists: Direct Primary Care + health sharing + HSA. It delivers better care at 40–60% less cost. But nobody knows about it, and assembling the pieces is confusing and intimidating.
That's what Kailo fixes.
Our Mission
We make switching to affordable, high-quality healthcare effortless. Our AI analyzes your family's specific situation, calculates your savings, matches you to DPC providers and health sharing plans, and guides you through every step — from setup to ongoing navigation.
What We Are (And Aren't)
We Are
- An AI-powered healthcare navigation platform
- An educational resource for DPC, health sharing, and HSAs
- A savings calculator and cost tracking tool
- A directory connecting families to DPC providers
We Are Not
- An insurance company or broker
- A medical practice or provider
- A health sharing organization
- A replacement for professional advice
Why This Works
Direct Primary Care has been growing for over a decade, with 2,700+ practices nationwide. Health sharing communities serve over 1.5 million Americans. HSAs provide triple-tax-advantaged savings. And as of 2026, you can pay for DPC memberships with pre-tax HSA dollars.
The pieces are all there. Kailo is the GPS that puts them together for your family.