Hammock
Hammock is in a16z speedrun SR006. Based in Brooklyn, New York, United States of America. Team of 3, founded in 2025.
Facts
- Brooklyn, New York, United States of America
- 3
- 2025
About Hammock
Summary
Hammock is a Brooklyn-based fintech and AI startup, founded in 2025, that helps consumers get more value out of their Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs). The platform uses an AI agent to scan a user's purchases and identify eligible healthcare and wellness expenses that may have been overlooked. Through a network of partnered physicians, Hammock can generate Letters of Medical Necessity, which allows everyday wellness spending—such as gym memberships, massage therapy, and recovery technology—to qualify for HSA/FSA reimbursement. The result is a largely automated process that reduces the paperwork and complexity typically associated with these tax-advantaged accounts.
Business model
Hammock appears to operate on a consumer subscription or transaction-based revenue model, monetizing the savings and reimbursement workflow it provides around HSA and FSA accounts. The pricing angle is likely tied to the financial value unlocked for users, making it easy to justify the cost relative to the tax savings generated.
Go-to-market
Hammock targets everyday consumers who hold HSA or FSA accounts and are already spending on health and wellness products but are likely leaving tax savings on the table. The buying motion appears to be direct-to-consumer, with the product's core value proposition—automatic identification of missed reimbursements—serving as its primary acquisition hook. Growth likely comes through word-of-mouth and digital channels, given the tangible and immediate financial benefit the product delivers to users.
Founders (2)
- Jesse Rose
- Will Dennis
Score a cohort against your own thesis
GPAgent's sourcing agent reads cohorts like this one and scores each company against your fund's mandate in a private workspace. Your scores, notes, and pipeline never appear on these pages.
Join the waitlist