Arlo Health Level Funded Plans in California

Arlo Health is a newer entrant selling level funded group plans to small and mid-size employers, roughly 5 to 250 employees. The company lists California among its available states, which is notable because most level funded startups skip California entirely due to its strict stop-loss law.

What Arlo offers

• Level funded plans with fixed monthly costs and stop-loss built in, issued by carriers rated A by AM Best.
• $0 in-person primary care and $0 virtual urgent care, plus a 24/7 care team in the Arlo app.
• Underwriting driven by data rather than lengthy health questionnaires, which can speed up quoting.

The honest caveats

Arlo is a startup, not an established carrier – that means a shorter track record on claims payment, renewals and service than every other name on our carriers page. Availability, licensing and network details for a specific California county and group size need to be verified at quote time, and we do exactly that before putting Arlo in front of a client. For how California law shapes any level funded arrangement, read our level funded guide.

What we tell employers

Worth including in a level funded bid spread for healthy groups alongside UnitedHealthcare Level Funded, Aetna Funding Advantage and Cigna Level Funding – and worth judging on the strength of its stop-loss carrier and network rental as much as its price.

Reviewed August 2026. Plan availability, networks and rates vary by county and group size. We never publish premiums we cannot verify for California – request a quote for real numbers.