Kubera Health announced it has raised $6.5 million in seed funding led by Upfront Ventures, with participation from Company Ventures, Dria Ventures, and SemperVirens. The company is building an AI-native contract-to-payment system of record designed to connect payor-provider agreements directly to healthcare payment operations.
Kubera Health said the healthcare industry continues to struggle with payment inaccuracies and administrative inefficiencies. According to the American Medical Association, one in five commercial claims is processed inaccurately, contributing to an estimated $1 trillion annual administrative burden across the U.S. healthcare system. Hospital bad debt also increased by 10% in 2025.
The company’s platform converts complex payor-provider agreements, including contracts, amendments, fee schedules, and reimbursement rules, into structured logic that continuously runs against claims and payment data. Kubera’s system includes Contract Intelligence and Contract Modeler capabilities for organizing contracts, tracking deadlines, benchmarking reimbursement terms, and modeling contract changes against historical claims data. The platform also includes Payment Auditing and Policy Intelligence tools that validate payments, identify discrepancies, and connect coverage rules to payment workflows.
Kubera Health founder and CEO Roja Garimella, MD, said the company was created after observing firsthand how healthcare’s financial infrastructure challenges impacted care delivery while working at Humana and Commonwealth Care Alliance.
The company primarily partners with mid-to-large health systems managing complex reimbursement operations. Kubera said every customer to date has expanded its engagement with the platform, including Hollywood Presbyterian Medical Center.
The funding will be used to expand Kubera Health’s product, engineering, and go-to-market teams while growing capabilities for value-based care arrangements, payment recovery systems, and broader adoption across health systems, provider organizations, and payor networks.
KEY QUOTES:
“I went into medicine expecting to spend my career on care delivery. The hardest problems I ran into were the ones nobody was supposed to talk about: billion-dollar payment decisions running through spreadsheets, and an industry betting its future on value-based care without the contract and payment infrastructure to support it. That’s what Kubera is building.”
Roja Garimella, Founder and CEO, Kubera Health
“Kubera has become an extension of our managed care team. Our contracts and reimbursement methodologies are some of the most complex in healthcare, and we needed a partner sophisticated enough to model them and validate payments against them.”
Deb DuRoff, FACHE, Vice President Of Managed Care, Hollywood Presbyterian Medical Center
“Kubera is rebuilding healthcare’s broken payment foundation, turning contracts into code that runs against claims, so payors and providers finally operate from the same source of truth instead of fighting over the gaps between two different ones. Roja, a physician who has lived this problem from the payor, provider, and clinical sides, is exactly the founder to build it.”
Kevin Zhang, General Partner, Upfront Ventures
