Company Overview
About Carrum Health
Carrum Health is a San Francisco-based healthcare technology company founded in 2014 by Sach Jain. It operates a value-based care platform that connects self-insured employers directly with a curated national network of Centers of Excellence (COE) — high-quality regional hospital systems and surgical facilities — through bundled payment arrangements for elective and complex surgical procedures. Rather than routing employees through standard in-network insurance plans where surgical quality varies widely, Carrum's model steers patients to top-performing surgical centers, covers travel costs when necessary, and eliminates employee out-of-pocket costs entirely for covered procedures.
Business Model & Competitive Advantage
The company raised a $45M Series B in 2022 led by Tiger Global, with participation from Wildcat Capital Management and other investors. Carrum Health's platform covers a growing range of high-cost surgical categories including orthopedic surgery (joint replacement, spine), cardiac procedures, bariatric surgery, oncology treatment, and behavioral health. Employers pay a bundled price per episode of care — covering the surgeon, facility, anesthesia, and post-operative physical therapy — rather than separate fee-for-service claims. This bundled model has demonstrated 30-50% reductions in total surgical spend for participating employers compared to standard insurance reimbursement, while simultaneously improving outcomes by concentrating volume at high-quality centers.
Competitive Landscape 2025–2026
Carrum Health competes with the Centers of Excellence programs operated by large health plans (including Blue Cross, Aetna, and United Healthcare), as well as platform competitors including Included Health (formerly Grand Rounds + Doctor on Demand) and Accolade. Its differentiation is the employer-direct, bundled payment model that bypasses health insurance fee-for-service reimbursement entirely for surgical episodes — creating aligned incentives between Carrum, the employer, and the surgical center around quality outcomes and cost containment. With self-insured employers bearing surgical costs directly, this approach has particular appeal for mid-to-large employers seeking to control high-cost surgical claims.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
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