# Curative

**Canonical:** https://apis.io/providers/curative/  
**Website:** https://curative.com/  
**APIs profiled:** 0

Curative is a health insurance and healthcare services company founded in 2020 that reengineered the employer-based health plan around simplicity, engagement, and cost transparency. Its fully insured and level-funded plans give members a competitive monthly premium with zero copays, deductibles, or out-of-pocket costs, starting each member with a baseline visit that tailors a preventative care plan. Curative serves more than 1,200 employer clients and over 165,000 members, reached profitability, and achieved unicorn status ($1.275B valuation) following a $150M Series B round backed by DCVC. Curative operates as a HIPAA-regulated health plan; it has no public developer/API program, so this API Evangelist profile captures company identity, its member/provider web surface, and probed domain-security posture rather than API artifacts.

## Kin Score — 11.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Curative Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Health Insurance, Healthcare, Health Plans, Employer Benefits, Preventative Care, Insurtech, HIPAA

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/curative/). Scores are computed from the provider's own public artifacts under a published rubric.