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Health insurance that doesn't
Health Insurance
get in
that doesn't get
Claim denials
Unpredictable rate increases
Lack of transparency
Implementation headaches
Frustrated users
the way.
in the way.
Join hundreds of companies who choose Arlo for health insurance that actually works—transparent costs, prevention-first benefits, zero red tape. Healthier employees, stronger financials.
Get a Custom Quote Today
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Arlo is a self-funded health plan for smallteam memberand medium-sizedteam memberteam memberteam memberbusinesses seeking to provide exceptional healthcare coverage without the traditional price tag.
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Before Arlo: After Arlo:

Denied Claims
Surprise Bills
Unpredicatable Pricing
Prior Authorization Denied
New Network Yearly
Change in Plans
Approved Claims
No Surprise Bills
Predictable Pricing
Prior Authorization Accepted
Same Network Yearly
Consistent Plans

Arlo's Value

With Arlo, patients steer their health journey alongside trusted doctors, never trading quality for cost. Up-front prices and rich preventive coverage create healthier people and healthier budgets.

Know the cost of every visit before you book—no hidden fees, no surprise bills.

$0 primary-care copays and covered screenings push members to act early—before small issues get pricey.

Multiple plan options so every budget finds the right fit without sacrificing quality.

Data-driven underwriting locks in predictable renewals, keeping year-over-year increases in check.

Scalable Solution

Ideal for teams of 10–150 employees, Arlo scales with your headcount—delivering big-company benefits without the big-company admin.

Industry Inclusive

Arlo is available for any kind of industry. We range from day care centers, automotive shops, or technology startups.

Available Nationwide

Arlo offers coverage across the country, with availability in most states – excluding WA, NY, HI, DC, and OK.

Spaws for Paws
Animal Grooming
Bend, OR
Oil Care and Repair
Auto Repair Shop
Sioux Falls, SD
Endurance Metal
Metal and Roof Sales
Austin, TX
Sunnyside Day Care
Child Day Care Service
Talahassee, FL
JJ's Donuts
Bakery and Café
Las Vegas, NV
Reform.AI
Technology Startup
Raleigh, NC
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Scalable Solution

Ideal for teams of 10–150 employees, Arlo scales with your headcount—delivering big-company benefits without the big-company admin.

Scalable Solution

Industry Inclusive

Arlo is available for any kind of industry. We range from day care centers, automotive shops, or technology startups.

Scalable Solution

Available Nationwide

Arlo offers coverage across the country, with availability in most states – excluding WA, NY, HI, DC, and OK.

Scalable Solution
Get a Custom Quote Today
offering quality healthcare without compromising

Key Benefits

The Arlo Advantage

Arlo plans include $0 virtual urgent-care visits and $0 in-person PCP appointments. Members can text a care team 24/7 or visit their preferred PCP—no bills, no surprise fees, no reason to delay care.
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Zero-Cost Everyday Care

Arlo plans include $0 virtual urgent-care visits and $0 in-person PCP appointments. Members can text a care team 24/7 or visit their preferred PCP—no bills, no surprise fees, no reason to delay care.

Employees get a dedicated health guide through an easy to use mobile app—ready to help them navigate benefits, find high-quality providers, and schedule appointments.
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Smarter Access, Less Stress

Employees get a dedicated health guide through an easy to use mobile app—ready to help them navigate benefits, find high-quality providers, and schedule appointments.

Concierge support cuts through the red tape—fewer prior authorizations, claim denials, and less time spent on hold. Employees can focus on getting care, not navigating systems.
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Personalized Concierge Support

Concierge support cuts through the red tape—fewer prior authorizations, claim denials, and less time spent on hold. Employees can focus on getting care, not navigating systems.

The concierge proactively checks in when better care options are available—ensuring employees always get the highest value care with less effort.
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Care that Reaches Out

The concierge proactively checks in when better care options are available—ensuring employees always get the highest value care with less effort.

Employees can choose care that fits their budget and their quality expectations—no compromises needed.
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Affordable & Flexible

Employees can choose care that fits their budget and their quality expectations—no compromises needed.

Learn More About Us
Arlo’s 24/7 concierge app fields benefit questions, books cost-efficient care, and delivers $0 virtual urgent-care visits—keeping employees healthy and your HR inbox quiet.
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Concierge Support, Zero HR Headaches

Arlo’s 24/7 concierge app fields benefit questions, books cost-efficient care, and delivers $0 virtual urgent-care visits—keeping employees healthy and your HR inbox quiet.

Avoid budget shocks with consistent, predictable renewal rates—thanks to Arlo’s investment in preventative care and better outcomes.
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Predictable Pricing, Year After Year

Avoid budget shocks with consistent, predictable renewal rates—thanks to Arlo’s investment in preventative care and better outcomes.

Say goodbye to billing chaos and disconnected vendors. Arlo makes setup and ongoing management seamless.
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Simple to Administer, Easy to Love

Say goodbye to billing chaos and disconnected vendors. Arlo makes setup and ongoing management seamless.

No more bouncing between authorizations, denied claims, or confusing paperwork. Employees focus on care—not red tape.
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Fewer Hassles, More Health

No more bouncing between authorizations, denied claims, or confusing paperwork. Employees focus on care—not red tape.

Arlo offers comprehensive coverage and benefits that teams value—balancing affordability with real access to quality care.
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Benefits Employees Will Actually Use

Arlo offers comprehensive coverage and benefits that teams value—balancing affordability with real access to quality care.

Learn More About Us

Key Benefits

The Arlo Advantage

Arlo plans include $0 virtual urgent-care visits and $0 in-person PCP appointments. Members can text a care team 24/7 or visit their preferred PCP—no bills, no surprise fees, no reason to delay care.
Hamburger Menu01

Zero-Cost Everyday Care

Arlo plans include $0 virtual urgent-care visits and $0 in-person PCP appointments. Members can text a care team 24/7 or visit their preferred PCP—no bills, no surprise fees, no reason to delay care.

Employees get a dedicated health guide through an easy to use mobile app—ready to help them navigate benefits, find high-quality providers, and schedule appointments.
Hamburger Menu02

Smarter Access, Less Stress

Employees get a dedicated health guide through an easy to use mobile app—ready to help them navigate benefits, find high-quality providers, and schedule appointments.

Concierge support cuts through the red tape—fewer prior authorizations, claim denials, and less time spent on hold. Employees can focus on getting care, not navigating systems.
Hamburger Menu03

Personalized Concierge Support

Concierge support cuts through the red tape—fewer prior authorizations, claim denials, and less time spent on hold. Employees can focus on getting care, not navigating systems.

The concierge proactively checks in when better care options are available—ensuring employees always get the highest value care with less effort.
Hamburger Menu04

Care that Reaches Out

The concierge proactively checks in when better care options are available—ensuring employees always get the highest value care with less effort.

Employees can choose care that fits their budget and their quality expectations—no compromises needed.
Hamburger Menu05

Affordable & Flexible

Employees can choose care that fits their budget and their quality expectations—no compromises needed.

Learn More About Us
Arlo’s 24/7 concierge app fields benefit questions, books cost-efficient care, and delivers $0 virtual urgent-care visits—keeping employees healthy and your HR inbox quiet.
Hamburger Menu01

Concierge Support, Zero HR Headaches

Arlo’s 24/7 concierge app fields benefit questions, books cost-efficient care, and delivers $0 virtual urgent-care visits—keeping employees healthy and your HR inbox quiet.

Avoid budget shocks with consistent, predictable renewal rates—thanks to Arlo’s investment in preventative care and better outcomes.
Hamburger Menu02

Predictable Pricing, Year After Year

Avoid budget shocks with consistent, predictable renewal rates—thanks to Arlo’s investment in preventative care and better outcomes.

Say goodbye to billing chaos and disconnected vendors. Arlo makes setup and ongoing management seamless.
Hamburger Menu03

Simple to Administer, Easy to Love

Say goodbye to billing chaos and disconnected vendors. Arlo makes setup and ongoing management seamless.

No more bouncing between authorizations, denied claims, or confusing paperwork. Employees focus on care—not red tape.
Hamburger Menu04

Fewer Hassles, More Health

No more bouncing between authorizations, denied claims, or confusing paperwork. Employees focus on care—not red tape.

Arlo offers comprehensive coverage and benefits that teams value—balancing affordability with real access to quality care.
Hamburger Menu05

Benefits Employees Will Actually Use

Arlo offers comprehensive coverage and benefits that teams value—balancing affordability with real access to quality care.

Learn More About Us

Powering Broker Success with Better Healthcare

A person wearing a light pink hijab and brown top holding a tablet against a neutral beige background.A person wearing a light pink hijab and brown top holding a tablet against a neutral beige background.

Powering Broker Success with Better Healthcare

Arlo gives brokers a faster, sharper way to compete. Instant quotes, live plan analytics, and predictable renewals come bundled with white-glove support—so you win more groups and keep them, minus the back-and-forth.

Visit Brokerage Page

For businesses

For employees

For Brokers

Trusted by businesses, built for affordability.

From factories to startups, businesses trust Arlo for quality, affordable healthcare. Join hundreds of employers choosing a smarter way to offer benefits.

Get Started Today
With Arlo, I can deliver firm quotes in minutes and promise clients rate stability—something the big carriers can’t match. With their concierge support, my phone stops ringing for every claim hiccup, and my book of business keeps growing.
Switching to Arlo cut our renewal increase by half and took a mountain of benefits questions off my HR team’s plate. Employees love the $0 primary-care visits, and I finally have transparent cost data to forecast next year’s budget with confidence.
I used to avoid the doctor because I never knew what the bill would be. With Arlo, my PCP visits are $0 and every procedure comes with a price tag up front. I’ve already done my annual physical and a cholesterol test—no surprises.

day cares

auto shops

tech startups

design agencies

accounting firms

bakeries

financial institutions

retail

restaurants

Ready for better coverage? Let's get you started.

Let's get you started.

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