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Investor Inquiries

$3.4 billion in benefits
disappear every year.
We're fixing that.

Beim Health is a multi-sided marketplace that rescues unused HSA/FSA dollars — connecting employees, employers, brokers, and clinics through AI-powered care navigation, clinically graded products, and automated Letters of Medical Necessity.

Get in Touch → See the Opportunity
The Market Opportunity
72 million Americans hold HSA/FSA accounts. Most of them have no idea what they can buy.
Every year, $3.4 billion in FSA funds are forfeited by American workers — not because they don't need health products, but because the system is broken. Employees don't know what's eligible. Letters of Medical Necessity create weeks of friction. And the products they can buy aren't clinically vetted. Beim Health sits at the center of this problem — a zero-fee marketplace that unlocks spending for consumers, drives utilization for employers, and creates revenue for providers.
$3.4B
FSA dollars forfeited annually in the U.S.
72M
Americans with HSA/FSA accounts
$116B
total HSA assets under management
85%
abandonment rate when LMN is required
Investment Thesis

Why Beim Health.
Why now.

Four structural advantages that compound as the platform scales.

01
Massive, Underserved TAM
$116B in HSA assets. $3.4B forfeited annually. 72 million account holders. The HSA/FSA-eligible health product market is large, growing, and has zero dominant marketplace player. Nobody owns the purchase layer between "employee has funds" and "employee buys a product."
02
Multi-Sided Network Effects
More employees attract more employers. More employers attract more brokers. More patients attract more clinics. More clinics improve product recommendations. Each side of the marketplace strengthens the others — creating compounding defensibility that single-sided solutions can't replicate.
03
Zero-CAC Distribution Channels
Brokers distribute Beim to employer clients for free. Employers distribute to employees for free. Clinics distribute to patients via EMR integration. Every channel is incentive-aligned and cost-free — making Beim one of the rare marketplaces where distribution scales without proportional spend.
04
AI + Clinical Moat
Our Clinical Evidence Level (CEL) grading rubric, AI Care Navigators, and automated LMN workflow create switching costs that deepen with every transaction. The more data we process, the better the product matching — and the harder it becomes for a competitor to replicate the clinical layer.
Founding Team

Clinical operators
building for clinicians.

The Beim founding team combines deep clinical credentials with healthcare operations, digital health infrastructure, and marketplace experience.

Steven Richardson
Co-Founder & CEO
  • PA-C, MBA, MS — dual clinical-executive background
  • Founded & exited Tembi Health (virtual medical group)
  • Chief Population Health Officer, SureCo (value-based care)
  • VP Clinical Operations, Voyage Clinical (Phase 2–4 trials)
  • Fractional COO, Plexus Clinical (Phase 1 studies)
  • UT Austin alumnus · Austin, TX
Carisa Richardson
Co-Founder
  • Healthcare operations and strategic growth leadership
  • Deep experience across clinical operations and care delivery
  • Background spanning provider partnerships and benefits ecosystem
  • Operational backbone of Beim Health's go-to-market
The Flywheel

Four sides.
One compounding engine.

Every participant on the platform strengthens the value proposition for every other participant.

The Beim Flywheel
Brokers bring employers. Employers bring employees. Employees buy products. Products create revenue for clinics. Clinics improve recommendations. Better recommendations attract more employees. The cycle compounds.
→ → → →
🤝
Brokers
Distribute free to clients. Differentiate their book. Retain accounts.
🏢
Employers
Connect HR platform. Get portal + receipts. Boost utilization.
👤
Employees
Meet AI Navigator. Buy clinically graded products. Use their benefits.
🏥
Clinics
EMR integration. One-click LMNs. Revenue share on every sale.
Revenue Model & Economics

Marketplace margin.
Zero-fee for all sides.

Beim is free for brokers, employers, employees, and clinics. We earn a margin on every product sold through the platform.

Unit Economics · Per Transaction
Average cart value$183
Gross margin25–40%
LMN revenue (when applicable)$35
Customer acquisition cost$0
FulfillmentD2C (brand ships)
Gross Profit / Transaction$45–73+
Revenue Streams
Product marginPrimary
LMN facilitation ($35/letter)High margin
Clinic revenue shareRetention driver
Community Pool group buyingVolume lever
Insurance verificationPlanned
Employer analytics (premium)Planned
Platform & Product

Built, live, and
growing.

Thousands
Eligible Products
Clinically graded A–D across 25+ categories
4
Market Sides
Employees · Employers · Brokers · Clinics
~4 hrs
LMN Turnaround
vs. 3+ weeks traditionally
2
AI Care Navigators
Everly (women's) · Brooks (men's)
$0
CAC All Channels
Broker, employer & clinic distribution
Live
Full Platform
Marketplace, funnel, checkout, SMS, CRM
Get in Touch

Let's talk about
what we're building.

We're raising to accelerate marketplace growth, deepen our clinical AI moat, and scale distribution across all four sides. We'd love to share the full picture.

Investor Inquiries
Reach out directly to the founding team. We respond to every inquiry within 24 hours.
✉️ Email the founders [email protected]
We'll follow up with our investor brief, product demo access, and available meeting times.