Spine

We run benefits, payroll & compliance for startups, for free

4.1Score#163 of 999 agents#3 of 15 in Insurance broker

Why it ranks #163

Spine, an AI insurance broker from YC F26, ranks #163 of 999 AI agents and #3 of 15 in Insurance broker, with a score of 4.1 of 10. Data as of 3 Oct 2026.

The score adds four parts, each 0 to 10, by weight. Every point comes from public evidence. How scoring works ·

Proof 4 × 30% 1.2
Scale 0 × 30% 0.0
Momentum 8 × 25% 2.0
Autonomy 6 × 15% 0.9
= 4.1

Proof
Do customers use it? 30% of the score
4
Claims a customer result and a customer count.
- +2
  A customer result
  “We implement better-fit, more cost-effective health plans and have reduced healthcare costs by around 15% on average”
  Launch YC post · 28 Sep 2026
- +2
  A customer count
  “30+ startups already use Spine, many of them YC companies”
  Launch YC post · 28 Sep 2026 · 3 claims
Not found: revenue or growth (+4), named customers (+3), work done at scale (+2)
Scale
Is there a real company behind it? 30% of the score
0
Team size and funding not listed.
Not found: funding round in its news (+3)
Momentum
Is it shipping and growing now? 25% of the score
8
Shows a recent launch, hiring, a new claim and a new batch.
- +3
  Launched in the last 6 monthsSpine: We run HR backoffice & benefits for startups, for freeLaunch YC post · 28 Sep 2026
- +2
  Hiring: 2 open rolesGrowth & Community Lead, Senior Health & Benefits BrokerYC page
- +2
  A new traction claim
  “We implement better-fit, more cost-effective health plans and have reduced healthcare costs by around 15% on average”
  Launch YC post · 28 Sep 2026
- +1
  New: YC Fall 2026
Not found: funding news in the last year (+2)
Autonomy
How much of the job does it do on its own? 15% of the score
6
Supervised agent: takes actions in other systems; a person approves key steps.
- +6
  Level 2 of 4: Supervised agentTakes actions in other systems; a person approves key steps.
What the model read
- Acts in other systems: 86% likely
- Finishes whole tasks: 13% likely
- Calls itself an agent: 2% likely
- An AI-native service: it sells the finished work, so it counts as an agent at any level
Level 2: Takes actions in other systems; a person approves key steps.

About Spine

Spine runs benefits, payroll, and compliance for startups for free.

We do the work by giving teams dedicated senior HR and benefits specialists who operate on top of their existing HRIS (Rippling, Deel, Gusto, ADP). We help companies find better-fit, more cost-effective health plans - reducing healthcare costs by around 15% on average - while running payroll, handling compliance, managing open enrollment, and supporting employees directly in Slack.

30+ startups already use Spine to lower healthcare costs and take hours of back-office work off their teams. Learn more at joinspine.ai