All CRMs · Researched 2026-10-05

careCycle

Insurance-specific CRM and dialer for Medicare and ACA agencies · careCycle (Y Combinator W25) · carecycle.ai

A young agency operating system for Medicare and ACA agencies, backed by Y Combinator (W25). It combines a CRM, a dialer, a unified inbox shared by agents and AI employees, an AI receptionist and a two-way HealthSherpa Medicare integration. Pricing is per active policy plus usage, with no published figures.

What it costs

The pricing page publishes the model but no dollar figures: a flat rate per active policy on the book, with no tiers or bands, plus usage billed for what runs. Seats are $0 for licensed agents, supervisors, QA and support staff. Everything is included on every plan: AI employees, dialer, CRM, unified inbox, call recording and transcription, reporting and integrations including HealthSherpa. Setup fees, trial and per-policy or usage rates are not stated.

Trial and access: No trial is stated; the site's calls to action are to book a demo.

Who it suits

  • Telesales and call-center Medicare agencies that want dialer, CRM and enrollment in one system
  • Agencies already enrolling Medicare through HealthSherpa
  • Agencies with large teams, since seats are free
  • FMOs and field agencies that want AI handling after-hours and routine member calls

What it includes

Insurance workflow
Policy & renewal recordsIncluded
Commission trackingNot stated
ACORD forms & certificatesNot stated
Comparative rating / quotingNot stated
Carrier records & downloadsNot stated
Producer licensing trackingNot verified
Health insurance quoting
Household records (members under one client)Not stated
ACA marketplace quotingNot stated
HealthSherpa connection (ACA)Not offered
HealthSherpa connection (Medicare)Via integration
Medicare plan comparisonNot stated
Individual Medicare quotes (drugs, pharmacy)Via integration
SunFire quoting connectionNot stated
Provider network lookupNot verified
Disruption alerts (carrier exits, network changes)Not stated
Plan exit and network mapNot stated
Client communication
Integrated phone systemIncluded
Integrated SMSIncluded
Integrated emailNot stated
Integrated faxNot stated
Integrated invoicing & paymentsNot stated
AI receptionistIncluded
Client portalNot stated
E-signatureNot stated
Platform
Workflow automationIncluded
Custom fields & objectsIncluded
Public APIIncluded
Integration marketplaceNot stated
White-label / rebrandingNot stated
Mobile appNot stated
Multi-language interfaceNot stated
Reporting & dashboardsIncluded
Buying it
Published price listNot offered
Free planNot offered
Free trialNot stated
Self-serve signupNot offered

What it does well

  • Two-way HealthSherpa Medicare integration: a pre-filled quote opens from the call form, and submitted enrollments return as policy records with carrier, plan, effective date and writing agent. It is included on every plan.
  • Seats cost $0 and all features are included on every plan, so adding staff does not change the price.
  • Telephony is native: inbound and outbound dialer, licensed-agent routing, local number pools, call recording and transcription, TCPA consent and opt-out handling.
  • Public documentation and API reference, with webhooks, custom fields and Medicare and ACA sync endpoints.

Where it falls short

  • No dollar figures are published; the per-policy rate and usage rates require a sales conversation, and usage billing makes monthly cost vary.
  • A young company (Y Combinator W25) with a short track record.
  • The HealthSherpa link covers Medicare only; the vendor says ACA is next.
  • Commissions, households, email marketing, e-signature and a mobile app are not stated on the vendor site.

See it in motion

Videos are hosted on YouTube and load only when you click. We link independent walkthroughs where they exist, not only vendor marketing.

Introducing careCycle - Voice AI teams for Medicare Agencies (Back by Y Combinator)
Channel: Alex Doonanco - careCycle · YouTube

Official documentation

Sources

  1. careCycle pricing page (model, seats, inclusions)
  2. careCycle home page (integrations, compliance, demo CTA)
  3. careCycle features overview
  4. careCycle HealthSherpa integration
  5. careCycle dialer
  6. careCycle unified inbox
  7. careCycle Cora AI receptionist
  8. careCycle changelog
  9. careCycle about page
  10. careCycle API reference
  11. careCycle docs: import your book of business

Everything on this page traces back to one of these. Checked 2026-10-05.

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