RAILWAY HEALTH INC DBA ARLO

Arlo is a U.S.-based health insurance technology company operating under the legal name Railway Health Inc. dba Arlo. The company was founded in 2022 and is headquartered in New York, where it operates as a managing general underwriter (MGU) building and administering its own level-funded health plans for employers. Arlo’s mission is to redesign traditional health insurance by combining underwriting, technology, and direct member support into a single integrated system. The company focuses on improving affordability, transparency, and access to care by reducing administrative friction and giving employers and employees more predictable healthcare costs. Instead of relying on legacy insurance carriers, Arlo builds and manages its own health plans, supported by proprietary risk and underwriting technology. It works primarily through licensed brokers and serves small and mid-sized employers across the United States. The company emphasizes: Transparent healthcare pricing Preventive-first care models Reduced administrative complexity for employers Technology-driven underwriting and claims management Member support through digital tools and care navigation Arlo has rapidly scaled since its founding, serving thousands of employer groups and expanding its presence in the U.S. health insurance market.