Insurf

Insurf, Inc. is a Y Combinator-backed healthcare company building an end-to-end prior-authorization and denial-appeals platform. Its flagship product, Inveto, is a denial-management workbench that turns denial letters, clinical evidence, and payer policy snapshots into source-cited prior-authorization templates and appeal packets for staff review and physician attestation before staff-controlled filing and outcome tracking. A second product, Surely, is a deterministic twelve-month health-plan cost engine for true-cost plan selection (coming soon). Insurf operates in private pilot: production PHI remains disabled behind customer BAAs, vendor coverage, technical gates, and founder go-live approval, and the company publishes public trust surfaces — security, privacy, terms, status, changelog, methodology, and documentation — for customer and diligence review.

Insurf is profiled on the APIs.io network. Tagged areas include Company, Healthcare, Health Insurance, Prior Authorization, and Denial Appeals.

Insurf’s developer surface includes documentation, changelog, support, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

21.8/100 emerging ▬ flat Agent 12/100 agent aware Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Healthcare Health Insurance Prior AuthorizationDenial AppealsRevenue Cycle Management Insurance Artificial Intelligence Y Combinator

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 21.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.4 / 17

Access Clarity 6.0 / 17

Operational Transparency 4.7 / 11

Contract Governance 0.0 / 10

Discoverability 5.0 / 9

Regulatory Posture 3.1 / 15

Agent readiness — 12/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/insurf/"><img src="https://apis.io/badge/insurf/card.svg" alt="Insurf on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 14.3 — up to +17.1 composite points
Access Clarity scores 35.5 — up to +12.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/insurf/apis.yml: open an issue on github.com/api-evangelist/insurf to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Insurf MCP Server

Remote MCP server at insurf.io over HTTP; 2 tools listed.

MCP SERVER

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Insurf Domain Security

TLSv1.3 · HSTS

SECURITY

Insurf Vulnerability Disclosure

security.txt · contact published

SECURITY

Insurf Trust Center

trust center published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

Demo

Demo

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

TrustCenter

Security

Security

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

StatusPage

ChangeLog

Support

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: insurf
name: Insurf
description: 'Insurf, Inc. is a Y Combinator-backed healthcare company building an end-to-end prior-authorization and denial-appeals
  platform. Its flagship product, Inveto, is a denial-management workbench that turns denial letters, clinical evidence, and
  payer policy snapshots into source-cited prior-authorization templates and appeal packets for staff review and physician
  attestation before staff-controlled filing and outcome tracking. A second product, Surely, is a deterministic twelve-month
  health-plan cost engine for true-cost plan selection (coming soon). Insurf operates in private pilot: production PHI remains
  disabled behind customer BAAs, vendor coverage, technical gates, and founder go-live approval, and the company publishes
  public trust surfaces — security, privacy, terms, status, changelog, methodology, and documentation — for customer and diligence
  review.'
url: https://raw.githubusercontent.com/api-evangelist/insurf/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.insurf.io/denial-automation-og
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Healthcare
- Health Insurance
- Prior Authorization
- Denial Appeals
- Revenue Cycle Management
- Insurance
- Artificial Intelligence
- Y Combinator
apis: []
common:
- type: TrustCenter
  url: security/insurf-trust-center.yml
- type: Website
  url: https://www.insurf.io
- type: Documentation
  url: https://www.insurf.io/docs
- type: Security
  url: https://www.insurf.io/security
- type: StatusPage
  url: https://www.insurf.io/status
- type: ChangeLog
  url: https://www.insurf.io/changelog
- type: PrivacyPolicy
  url: https://www.insurf.io/privacy
- type: TermsOfService
  url: https://www.insurf.io/terms
- type: Login
  url: https://www.insurf.io/login
- type: Support
  url: mailto:pilot@insurf.io
- type: Demo
  url: https://www.insurf.io/demo
- type: SecurityTxt
  url: well-known/insurf-security.txt
- type: WellKnown
  url: well-known/insurf-well-known.yml
- type: VulnerabilityDisclosure
  url: security/insurf-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/insurf-domain-security.yml
- type: Lifecycle
  url: lifecycle/insurf-lifecycle.yml
- type: ChangeLog
  url: changelog/insurf-changelog.yml
  name: Insurf changelog artifact
- type: LLMsTxt
  url: llms/insurf-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Insurf API — frequently asked questions

Does Insurf have an MCP server?

Yes. APIs.io lists 1 MCP server for Insurf: Remote MCP server at insurf.io over HTTP; 2 tools listed.

Is the Insurf API ready for AI agents?

Insurf has a Kin Score of 21.8 out of 100 (emerging) and an Agent Readiness score of 12.4 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/insurf"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/insurf/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/insurf/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.