Curative Raises $150 Million in Series B Funding to Redefine the Future of Health Insurance

Curative在B轮融资中筹集了1.5亿美元，以重新定义健康保险的未来。

Capital Will Accelerate AI-Driven Member Experience, Expand National Footprint, and Reinvent How America Accesses and Pays for Care

资本将加速推动人工智能驱动的会员体验，扩大全国覆盖范围，并重塑美国获取和支付医疗服务的方式。

Healthcare Disrupter Takes Direct Aim at the Legacy BUCA Model

医疗保健颠覆者直接瞄准传统的BUCA模式

AUSTIN, Texas, December 2, 2025-- Curative Health Insurance Company, the trailblazing health plan engineered from the ground up to eliminate barriers and actually improve health, today announced it has raised over $150 million in Series B funding. This investment cements Curative’s unicorn status with a valuation of $1.275 billion, and reflects deep conviction in Curative’s breakthrough $0-out-of-pocket health plan, AI-powered member experience, and bold redesign of the traditional insurance model..

德克萨斯州奥斯汀，2025年12月2日——Curative健康保险公司，这家从零开始构建的开创性健康计划公司，旨在消除障碍并真正改善健康状况，今天宣布已在B轮融资中筹集了超过1.5亿美元。这项投资使Curative的估值达到12.75亿美元，巩固了其独角兽地位，并反映了对其突破性的零自付健康计划、人工智能驱动的会员体验以及对传统保险模式的大胆重新设计的深切信心。

Born out of frustration with the status quo, Curative isn’t tweaking around the edges of the traditional BUCA (Blues, United, Cigna, Aetna) system; it’s replacing it. The Curative model is centered on a benefit plan design with $0 out-of-pocket costs (no co-pays, no deductibles, no coinsurance) as long as members complete an annual preventative health visit called the Baseline Visit.

由于对现状的不满，Curative 并不是在传统的 BUCA（Blues、United、Cigna、Aetna）体系边缘进行微调，而是要彻底取代它。Curative 的模式以一项福利计划设计为核心，只要会员完成每年一次名为“基准访问”的预防性健康检查，就可以享受零自付费用（无共付额、无免赔额、无共保）。

By removing financial barriers and taking a proactive approach to health management, Curative has demonstrated results that include a 20% lift in primary care engagement, a 30% reduction in hospitalizations, and a reduction in drug costs of up to 40% within a year of a group joining the plan by keeping members healthier..

通过消除经济障碍并采取积极的健康管理方法，Curative 已经展示了显著的成果，包括初级医疗参与度提升20%，住院率降低30%，以及在团体加入计划的一年内，通过保持成员健康，药物成本减少了高达40%。

A Health Plan Built the Way Healthcare Should Work

一个按照医疗保健应有方式构建的健康计划

“Curative’s mission is to eliminate financial barriers and guide our members at every step of their health journey,” said Fred Turner, CEO and co-founder. “This funding validates the disruptive model we’ve built, which leverages AI-driven technology, real human support, and aligned incentives to actually improve outcomes.

“Curative 的使命是消除经济障碍，并在我们的会员健康旅程的每一步提供指导，”首席执行官兼联合创始人 Fred Turner 表示。“这笔资金验证了我们所建立的颠覆性模式，该模式利用人工智能驱动的技术、真实的人工支持以及一致的激励机制来切实改善结果。”

We’re accelerating the modernization of the member experience, expanding into new markets, and scaling the impact we know the industry desperately needs. The momentum is real, and employers, brokers, and providers are seeing the value of a plan designed with their success in mind.”.

我们正在加速会员体验的现代化，拓展新市场，并扩大我们深知行业迫切需要的影响力。这种势头是真实的，雇主、经纪人和服务提供商都看到了一个为他们的成功量身打造的计划所带来的价值。

Curative has grown rapidly from its launch less than 3 years ago, now serving more than 1,200 employer clients and over 165,000 members, and achieving profitability.

Curative自不到三年前推出以来迅速发展，目前为1200多家雇主客户和超过165,000名成员提供服务，并已实现盈利。

Investors Back the Breakthrough

投资者支持这一突破性进展

The round was led by TED Chairman Chris Anderson’s Upside Vision Fund, with significant participation from Justin Mateen, founder of JAM Fund, who personally and through his JAM Fund invested $47.5M in the round. Additional investors include Mike Novogratz of Galaxy Digital, Stanley Druckenmiller’s Duquesne Family Office, DCVC, and Martin Varsavsky..

本轮融资由TED主席克里斯·安德森的Upside Vision基金领投，JAM基金创始人贾斯汀·马特恩个人及其通过JAM基金参与了4750万美元的投资。其他投资者包括银河数码的迈克·诺沃格拉茨、斯坦利·德鲁肯米勒的杜肯家族办公室、DCVC以及马丁·瓦萨夫斯基。

“This is an extraordinary company. I’ve never seen a startup grow so quickly while moving so deftly through so many critical issues,” said Chris Anderson, Managing Partner at Upside Vision Fund. 'The healthcare industry is notoriously challenging with so many misaligned incentives. To see Curative successfully setting a new standard for employer-based health insurance that actually makes people healthier — wow, that has been exhilarating.'.

“这是一家非凡的公司。我从未见过一家初创公司能在如此迅速成长的同时，如此灵活地应对诸多关键问题，”Upside Vision Fund的管理合伙人克里斯·安德森表示。“医疗保健行业以充满挑战而闻名，存在许多不一致的激励机制。看到Curative成功为基于雇主的健康保险树立新标准，并真正让人们更健康——哇，这真是令人振奋。”

Justin Mateen—Curative’s first investor—is increasing his position in the company, despite his initial investment already compounding more than 400-fold. As the founder of JAM Fund and one of today’s leading tech investors, Mateen continues to show strong conviction in Curative’s long-term vision. “Curative is reimagining health insurance from first principles,” said Justin Mateen.

贾斯汀·马特恩（Justin Mateen）——Curative的首位投资者，正在增加其在该公司的投资，尽管他最初的投入已经增长了400多倍。作为JAM基金的创始人和当今科技领域的顶级投资者之一，马特恩继续展现出对Curative长期愿景的强烈信心。贾斯汀·马特恩表示：“Curative正在从第一性原理重新构想健康保险。”

“The best companies are built by founders who take on problems most people consider unsolvable. Fred is one of those rare founders, and what Curative is building has the potential to reshape healthcare for millions.”.

“最好的公司是由那些解决大多数人认为无法解决的问题的创始人建立的。弗雷德就是其中一位罕见的创始人，Curative正在构建的内容有潜力为数百万人重塑医疗保健。”

How Curative Will Use the New Capital

Curative将如何使用新的资本

The Series B capital infusion will support Curative’s aspiration to scale its business nationally, with near-term expansion targeted for the Mid-Atlantic states, building upon its current service area in Texas, Florida, and Georgia. This will require bolstering reserves to support state regulatory requirements and maintain our long-term financial strength ratings.

B轮融资将支持Curative在全国范围内扩展业务的雄心，短期内目标是拓展至中大西洋各州，基于其目前在德克萨斯州、佛罗里达州和乔治亚州的服务区域。这将需要增加储备以满足各州监管要求，并维持我们的长期财务实力评级。

Other ways funds will be deployed to enhance Curative’s value proposition across stakeholders include investments in deeper member health engagement, AI-enhanced operational and service capabilities, and network development paired alongside other modernized payment methods..

其他部署资金以提升Curative在各利益相关者间价值主张的方式包括：投资于更深入的会员健康参与、人工智能增强的运营和服务能力，以及与其它现代化支付方式相结合的网络开发。

A Network Model Rewritten for the Future

面向未来重写的网络模型

Traditional networks serve as limiters and don’t facilitate cost transparency. Curative is rewriting that playbook with a next-generation approach to accessing and paying for care, anchored by the Curative Cash Card. This breakthrough solution:

传统网络充当限制器，无法促进成本透明。Curative 正在通过一种下一代的方法改写这一规则，这种方法以 Curative 现金卡为核心，用于获取和支付医疗服务。这一突破性解决方案：

• Expands access to $0 care for members that extends beyond typical network lines to over a million providers nationwide.

• 为会员扩展了免费护理的获取途径，超越了典型的网络界限，覆盖全国超过一百万名提供者。

• Empowers members with unmatched convenience, letting them access high-value, affordable care with no surprise bills, ever.

• 赋予会员无与伦比的便利，让他们能够获取高价值、可负担的医疗服务，且绝无意外账单。

• Pays providers instantly at the point of care, eliminating the delays, complexity, and administrative waste baked into the old insurance system.

• 在护理点即时支付提供者，消除了旧保险系统中存在的延误、复杂性和行政浪费。

The Curative Cash Card —combined with broad underlying national network partnerships, creates a frictionless experience that legacy insurers simply cannot replicate.

治愈现金卡——结合广泛的国家基础网络合作伙伴关系，创造了一种传统保险公司无法复制的无缝体验。

Riding the Wave of a Once-in-a-Generation Shift

驾驭一代人一次的变革浪潮

“For years, industry watchers and employers have talked about an inflection point where lack of innovation, rising frustration, and runaway healthcare costs would collide,” said Turner. “Curative is leading that change moment. We are benefiting from the industry’s urgent demand for simplicity, predictability, and real improvement—and we are uniquely positioned to deliver it at a national scale.

“多年来，行业观察人士和雇主们一直在谈论一个拐点，即缺乏创新、日益增长的挫败感以及失控的医疗成本将相互碰撞，”特纳表示。“Curative 正在引领这一变革时刻。我们正从行业对简化、可预测性和真正改进的迫切需求中受益——并且我们有能力在全国范围内实现这一目标。”

The outdated BUCA model is not serving members, and Curative is stepping forward with the solution to replace it.”.

“过时的BUCA模式不再为会员服务，而Curative正提出解决方案来取代它。”

About Curative

关于Curative

Curative is creating the future of health insurance with its first-of-a-kind employer-based plan, boasting an impressive AM Best rating of A-. Our mission is to transform health insurance by eliminating financial barriers to care and guiding our members at every step of their health journey. With a competitive monthly premium and zero additional costs*, Curative provides employers and their employees exceptional value, improved health, and peace of mind.

Curative正在通过其首创的基于雇主的健康保险计划开创未来，该计划拥有令人印象深刻的AM Best A-评级。我们的使命是通过消除医疗的经济障碍并在会员健康的每一步提供指导，来彻底改变健康保险。凭借具有竞争力的月度保费和零额外费用*，Curative为雇主及其员工提供了卓越的价值、更好的健康保障以及安心体验。

For more information on Curative, visit https://curative.com or follow us on Facebook, Instagram, X, or LinkedIn..

有关 Curative 的更多信息，请访问 https://curative.com 或在 Facebook、Instagram、X 或 LinkedIn 上关注我们。

*Every Curative member qualifies for the $0 deductible, $0 copay for in-network care and preferred prescriptions by completing a Baseline Visit within 120 days of the plan effective date.

每位Curative会员只要在计划生效日期的120天内完成基线访问，即可享受$0免赔额、$0共付额的网络内护理和优先处方。

Contact:

联系人：

Media Relations

媒体关系

press@curative.com

press@curative.com