Cobi Blumenfeld-GantzCo-Founder & CEO

The idea came from watching family members struggle with Medicare enrollment. My grandfather's experience first exposed me to the complexity of the system, and later my parents received poor advice that resulted in missed deadlines and ongoing penalties. It became clear that seniors needed a better way to navigate Medicare.

While the subject matter was different, Palantir taught me to approach problems through data and to operate with limited structure. We view Medicare as an information problem, which has shaped how we build technology and serve customers.

The purpose of Chapter was always to help people make better decisions. Incentivizing advisors to push specific plans would have contradicted our mission. We believed that trust and long-term customer outcomes would ultimately create a stronger business.

Our confidence grew significantly as the company accelerated in 2022 and 2023. Strong enterprise partnerships and increasing customer adoption demonstrated that a customer-first approach could scale successfully.

We started before the generative AI boom and initially built traditional data systems. Over time, we transitioned to modern serverless infrastructure and AI-native tools, allowing us to move faster and provide increasingly personalized recommendations.

We intentionally hire slowly and maintain a high talent bar. That forces us to automate processes instead of adding people. AI and technology allow our team to handle significantly more work without increasing overhead.

Retention starts with getting customers into the right Medicare plan from day one. Many companies separate enrollment from retention, but we focus on creating an exceptional initial experience and continuing to support members throughout their Medicare journey.

We earned trust through performance. One advisory firm gave us an opportunity to help its clients, and positive outcomes led to additional referrals. Over time, those successes created momentum throughout the wealth management industry.

Financial advisors increasingly need differentiated services to serve clients effectively. Medicare guidance is a critical need for retirees, and our platform helps advisors provide additional value beyond investment management.

The experience highlighted the importance of protecting seniors from misleading marketing and spam calls. Some positive regulatory changes followed, but there is still significant opportunity to improve how Medicare works for consumers.

Medicare is a bipartisan issue that affects nearly everyone. Investors who understand complex government-related challenges appreciate the importance of improving outcomes for seniors, regardless of political affiliation.

Our mission is broader than healthcare. We want to help people live the best chapter of their lives by supporting retirement across healthcare, financial planning, social engagement, purpose, and community.

We remain focused on execution. The company is well-capitalized today, so our primary priority is building the business rather than planning specific financing or liquidity outcomes.

Medicare will remain our largest business for the foreseeable future, but we see substantial opportunities in adjacent retirement services that could become major growth drivers over time.

We focus on creating value for both members and insurance carriers. By improving engagement, retention, and customer support, we strengthen relationships across the healthcare ecosystem and continue building advantages through technology.

We prioritize exceptional people over predefined job descriptions. Rather than filling fixed roles, we often design opportunities around talented individuals who can have a significant impact on the company.

I want Chapter to become the default destination for Medicare and retirement guidance in America. Ultimately, we aim to become the trusted platform that helps retirees navigate healthcare, finances, community, work, volunteering, and every major aspect of retirement.