Chang Lu is Co-Founder of Insurf, a YC S26-backed company building the AI-native data and decision layer for health insurance, tackling one of healthcare's most costly and opaque challenges.

Chang is a Stamps President's Scholar, a program that recruits top student leaders and scholars from across the nation, reflecting an early track record of academic excellence and leadership.

Chang co-founded Insurf alongside Bryan Chung, combining deep domain knowledge in health insurance with a conviction that AI can fundamentally restructure how coverage decisions are made.

Insurf's flagship product, Inveto, automatically converts denied healthcare claims into source-cited, physician-attested appeals, recovering revenue that practices routinely lose to payer denials.

Since joining YC S26, Insurf scaled from zero to $500k in just two weeks, and is building a proprietary coverage-decision graph to power Surely, a product that prices the true cost of health plans for employers and brokers.