One & Done Smart Bids has been accepted into InsurTech NY's 2026 Match Program.

One & Done Smart Bids is a New York City HealthTech company building the infrastructure layer for consumer-controlled commerce in regulated markets. We started in Medicare because it is the most complex, data-rich, and broken market in the country. Our patent-pending AI platform is the only consumer-first system that delivers true all-in personalized Medicare pricing based on each enrollee's actual utilization data, automatically re-shops every policy annually without re-consent, and is launching a benefit activation engine at the end of June that identifies unused supplemental benefits throughout the year, geo-matches local providers, and delivers personalized instructions directly to the member. In 2024, CMS tried to require carriers to fix the unused benefits problem. The rule was rescinded in April 2026. The problem still exists, so we built the solution. A study of 1.756 million real Medicare scenarios found: 90.6% of seniors are on the wrong plan $3,193 average annual out-of-pocket overpayment per senior $189 billion in projected annual out-of-pocket overpayment by seniors nationally 77% increase in agent revenue per client using the platform Client retention improvement from 84% to 95% The platform is live today. Blue Button 2.0 integrated, with architecture built to ingest live Epic-style clinical data sources for real-time benefit activation.

Founded 2023