There's a Better Way to Do Healthcare.
We help families navigate healthcare with a doctor you can text, community cost-sharing for emergencies, and tax-advantaged savings — all assembled into one simple plan.
Your Healthcare, Compared
Family of 4 · Illustrative example
Actual costs vary by location, age, and family size. Take the quiz to see your personalized estimate.
Dr. Lena Park, MD
0.6 mi · DPC · accepting
“Same-day visits. Text me anytime. $89/mo.”
Families are quietly leaving the insurance system. Here's the scale:
2,800+
DPC practices nationwide
1.7M+
Americans on health sharing
$0
Kailo is free forever
How it works
Your healthcare, designed in three minutes — not three weeks.
We're a navigator, not an insurer. We get paid only when you find a plan that works.
Tell us about your family
12 questions about your situation, current spend, and any conditions. No medical history required.
See your savings
We model 2–3 stacks side-by-side with monthly costs, what’s covered, and the tradeoffs in plain language.
Match with a doctor
We find DPC doctors near you, verify they’re accepting patients, and queue your enrollment.
Cover the big stuff
Pair with a health sharing plan that fits your conditions and budget. Optimize your HSA. Done.
The Kailo Stack
Three pieces. One strategy. Less money.
We don't sell insurance. We assemble three legitimate pieces of healthcare infrastructure — each operating in all 50 states — into a stack that out-performs your PPO at a fraction of the cost.
Direct Primary Care
$50–150/mo · unlimited visits, text your doctor, Rx at cost
Smart Coverage
Health sharing or ACA catastrophic — the quiz picks the right fit
Optimized HSA
Pays your DPC dues pre-tax — $300/mo cap
DPC membership
Unlimited visits
$89/mo
Health sharing
Family of 4
$450/mo
DPC paid via HSA
Pre-tax savings on DPC
Save ~$30/mo
Total cost
$539/mo
~$509/mo after HSA tax savings on DPC
Illustrative examples based on common savings scenarios. Individual results vary.
“
We were paying $2,400/mo for a PPO we never used. Kailo put us on $890/mo with a doctor my kids actually like.
Marcus T.
Family of 4 · Austin, TX
“
I’d been uninsured for two years. The assessment showed me a path that costs less than my Spotify family plan, basically.
Priya K.
Self-employed · Denver, CO
“
I have Type 2 diabetes. I was sure this wasn’t for me. Zion doesn’t even count controlled diabetes as a pre-membership condition — I was eligible right away.
Renée B.
Diabetic · Atlanta, GA
FAQ