Health insurance, designed for you by people who care.

You are most capable in your health. You should have an insurer that gives you features that support your journey. We designed Vivian to provide personalized insight, financial resources, and open choice to live your best life.

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How it Works at Vivian

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Ownership of Your Financial Health Resources

At Vivian we provide direct ownership of financial resources with cash to spend on your health as you see fit.

Thousands deposited into your account annually on January 1 that rolls over if unspent (amount is based on average age of population at your employer)

Insurance that’s simple: full coverage for all costs after out-of-pocket health spend is met

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Personal CareConcierge

We provide a dedicated CareConcierge who is a partner in your journey. They are local to your community and positioned to provide perspective and support you at every stage.

You define what ‘good’ looks like and we always pick up the call where we left off.

We are invested in building a relationship specific to you, our goals are to deliver value to you and to build trust

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Map Your Own Health Journey

We do not limit the health choices that are personal to your health journey.

Any credentialed provider in good standing is in-network, go where you want to go

We will never permission your care. You find the care with your provider that best meets your need, our benefits are there to cover the costs

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Simplified Support

Our health insurance offers simplicity: there’s one number on the back of your card for anything you need.

We will support you at any health stage:

  • Whether it is sorting a provider bill on your behalf
  • Finding a prescription that is out of stock at your pharmacy
  • Scheduling your care with your local provider or navigating a complex major health event

Want to learn more?
Welcome to your Vivian

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About Vivian

You are most capable in your health

In life, we find ourselves most capable when we have trusted relationships. At Vivian, we always show up to help you frame challenges you care about.

Start Your Health Journey

Our Founders

Vivian is born out of frustration and grief over loved ones treated as transactions in a broken healthcare system.

With a combined 35+ years of health delivery, payer, and service experience, our founders have a deep belief in people and a vision to reimagine healthcare for what it can be.

Sihyun Choi is wearing glasses and a smart watch, standing with arms crossed, wearing a blue sweatshirt over a pink collared shirt. The blurred background features plants, lights, and hints of a cozy office setting.

Sihyun Choi

CEO, Founder & Board Member

linkedin.com/in/sihyunchoi

Tom Cavin is wearing glasses and a black vest over a maroon shirt. He smiles in an outdoor setting decorated with string lights and festive atmosphere.

Tom Cavin

PRESIDENT, Founder & Board Member

linkedin.com/in/tomcavin

Vivian Logo

At Vivian, we believe making it about you starts with our values.

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Perspective

We see people holistically and consider the broad picture when empowering their care.

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Ownership

We don’t ask for permission to do what is right.
We empower everyone with the resourcing and tools needed to achieve their goals.

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Simplicity

We take the complexity out of healthcare to make things easier for you.

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For Members

How Vivian works for you.

Our health insurance is radically refocused on you. It is best understood through experience.

Let's embark on a transformative journey with our health insurance, where your needs take center stage. The genuine essence of our commitment reveals itself most beautifully through the immersive experience of firsthand discovery. Join us and witness the difference tailored care can make.

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See how Vivian works in real-world scenarios

Introducing Vivian Health Insurance

See how Vivian compares to common health needs you may experience.

A woman lies on a gray couch, holding a toddler in a green striped shirt and blue pants, near a large window overlooking the lush greenery—a perfect snapshot of home.

I'm Expecting a Family

With a little one on the way you want to access care you know will help you like acupuncture or a doula.

Vivian provides you with cash to spend on your health as you see fit.

Legacy Plan

  • Traditional health insurance plans will only pay for a limited amount of covered services.
  • It’s your responsibility to sort through what is and is not covered and pay out of pocket for any non-traditional services.

Vivian

  • You can use your funds to access care you know will help you.
  • Our team will help you evaluate quality options and different costs, and use your available funds to pay for the care you want.
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I'm Stressed & Overwhelmed

You are experiencing increased stress and anxiety and want to see a therapist you’ve met with before.

Vivian won’t permission your care so you can go where you want to go.

Legacy Plan

  • Traditional health insurance plans often have limited coverage for mental health services, with long wait times for appointments and scarce access to in-network providers.

Vivian

  • You can utilize your allocated funds to access mental health services promptly.
  • Vivian's CareConcierge can assist in finding quality providers and you can simply pay for them with your available funds, no approval required.
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I Have Ongoing Health Needs

When you have a chronic condition there’s a lot to manage: regular check-ups, medication refills, and support in managing your condition.

Vivian delivers personalized care that supports you at every stage.

Legacy Plan

  • Traditional plans may dictate where you receive care and require step therapy before approving certain medications or treatments, leading to delays and frustration.
  • Worse, you are the one that has to figure out what steps to take to get the care you need.

Vivian

  • Vivian's CareConcierge team helps you choose providers and treatments based on your preferences and needs.
  • Your CareConcierge builds a relationship directly with you to understand goals. From there your CareConcierge will frame personal options to best meet your needs.
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I Need Emergent Care

When things don’t go as planned, you find yourself in a sudden medical emergency, wanting immediate and trusted care.

Vivian simplifies your healthcare experience.

Legacy Plan

  • Traditional insurance plans may involve high out-of-pocket costs for emergency services, with potential denials for coverage of certain treatments or procedures that take you months to process and appeal.

Vivian

  • You have peace of mind knowing that your allocated funds can be used to cover emergency medical expenses.
  • Your CareConcierge will help you evaluate follow-up options with your providers and help frame decisions around your emergent care.

For Providers

Learn more about your provider experience with Vivian.

We are here for the healthcare journey you and our members have designed together.

We know that working with payers can be frustrating.

We exist to eliminate those friction points and the administrative burden – we pay competitive rates quickly, we recognize your clinical expertise and never restrict a provider and member relationship, and we support members to be vocal and capable in their health care.

Let's Go!
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For Employers

You hired a world class workforce. Believe they are capable.

Partner with us and build our shared vision of what health insurance can be...

We hear you and understand you are frustrated too. Market options are incomplete and struggle to provide the experience you aspire to have for your employees and their families.

But by believing in your team, the answer may be simpler.

We take an expensive system and redeploy funds to support members and providers while maintaining employer benefit budgets.

Partner & Build With Us

Ready to transform your
health insurance
experience?

Discover the power to transform your health insurance journey. Take that first empowering step towards a brighter, healthier future with us today, where personalized care is not just a promise, but a heartfelt commitment.

Start Your Health Journey