We are launching new health service
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Our mission is to fight for fairness in a broken health insurance system. We provide free tools and resources to empower everyday people to challenge insurance denials, ensuring everyone has a chance to access the care they deserve.
Together, let's bring fairness, dignity, and humanity back to healthcare.
Hey there!
We're Saraswati and Nirvana, co-founders of Luigi Health. Like so many of you, we’ve experienced the crushing weight of the health insurance system’s failures. For Sara, the journey began when she faced claims denials and debt collection letters for blood tests and treatments after dealing with serious illnesses while a student at the University of Pennsylvania. For Nirvana, it started when she became a caregiver for her father.
These aren’t isolated experiences. They’re the reality for millions of people. Insurance companies profit by denying care, turning bureaucracy into a weapon against the very people they’re supposed to protect. We started Luigi Health because no one should have to face this fight alone.
The name Luigi Health does not condone violence in any form. Instead, it recognizes the breaking point many have reached after decades of systemic inequities and a moment that could serve as the spark for a major era of healthcare reform. Our name reflects the deep frustration that people have faced in an unjust system and stands for the determination to demand a fairer one.
Our mission is to give people the tools, resources, and confidence to push back. We’re here to empower the Davids of the world in the fight against the Goliath that is the health insurance system. We’ve seen victories firsthand, and that’s what fuels us every day. Luigi Health is a movement to restore fairness and humanity in healthcare.
Let’s take on the system, together.
Saraswati & Nirvana
Co-Founders, Luigi Health
I’m proud to stand with Saraswati, Nirvana, and the Luigi Health team on this mission. As a former hedge fund manager turned CEO of a health technologies company, I’ve witnessed both sides of the healthcare system. My own caregiving experiences, coupled with countless insurance denials, have shown me how deeply the system is stacked against families and individuals. The work being done at Luigi Health reflects a shared vision for a more compassionate, just, and accessible healthcare system. This fight is personal for me, as it is for so many of you, and I’m honored to help guide this incredible team as they empower others to take back control.
Neal
Chairman, Luigi Health
Imagine you're hungry and walk into what appears to be a restaurant. There's a host stand, menus, and tables. But as you sit down, you notice something odd: The establishment doesn't actually serve food. Instead, they collect monthly payments from customers in exchange for the possibility of maybe paying for some of your meals at other restaurants, but only after you've paid several thousand dollars out of pocket first, and only at specific restaurants they've deemed "in-network," and only if they agree that your particular meal was "necessary."
Oh, and they make more money when you eat less.
This is essentially how American health insurance works, and we've all collectively agreed to pretend this makes sense.
Health insurance is not about healthcare. It’s about profit. Insurers make money by collecting premiums and lose money by paying claims, even labeling healthcare expenses as "losses" in financial reports.
While the Affordable Care Act requires insurers to spend 80-85% of premiums on care, the rest funds denial strategies, prioritizing profits over patients. Denied claims create deliberate obstacles. Nearly 50% could be overturned on appeal, yet less than 1% of patients challenge them due to bureaucratic complexity. Terms like "not medically necessary" often mean "too expensive for us." Far from reducing costs, insurance companies drive them up. Hospitals and clinics dedicate entire departments to navigating claims, and technology has been weaponized to automate denials and obstruct appeals.
In other countries, healthcare is treated as a public good, achieving better outcomes at lower costs. Meanwhile, the U.S. system prioritizes shareholder value over patient health.This dysfunction reflects broader societal failures. We’ve accepted complexity as control and systems that extract wealth without providing value. Change starts by recognizing the problem and refusing to accept it any longer. It's both possible and necessary.
Denied claims are more than paperwork. Delays and denials can be a matter of life and death. We believe every life is worth fighting for, and our platform is here to make that fight easier.
No one should face the overwhelming appeals process alone. With millions of Americans battling insurance denials, we stand united as a community, offering strength in numbers and a collective voice for fairness.
Insurance is meant to protect, yet millions of in-network claims are rejected by some insurers, leaving families to bear the burden. Our mission is to hold insurance companies accountable and ensure patients receive the care they deserve.
Navigating the appeals process can feel impossible, especially when you're already dealing with health challenges. We provide guidance every step of the way, empowering you with the tools to take back control of your healthcare journey.
Change begins with action. Every letter generated, every claim overturned, and every life improved is part of a larger initiative to challenge the status quo and demand better.
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