Folio
Fol. 01

Whole genome · Physician-read · Kept alive for life

A report is read once. A record is returned to.

The Folio is your genome, read completely and made legible, as the founding page of a record that accretes for life: every new prescription checked against your DNA before the first dose, every lab read against your own ranges instead of the population's, every reclassification medicine makes written in, and your physician's notes in the margin. What you own in year three is worth more than what you received on day one.

Entry 41 · Aug 18, 2026Reinterpretation

A variant in your Folio was reclassified

BRCA1 variant of uncertain significance resolved to likely benign, supported by saturation genome-editing evidence curated into the Atlas. Written into your record; nothing to do.

Good news filed where it belongs. We will review the full reinterpretation cycle at your annual visit.R. Marchetti, MD · Physician annotation · Aug 19
Entry 40 · Aug 12, 2026Medication check

New prescription, read against your genome

Clopidogrel entered your medication list. Your CYP2C19 *1/*2 status predicts reduced activation. A one-page note reached your prescriber the same hour.

Entry 39 · Aug 04, 2026Proteomic delta

This year's draw, against your own last year

Annual proteomic profile compared to your prior values, not the population's. Two proteins moved outside your personal band; both surfaced for physician review.

1

Sequence once

One draw. Your whole genome at 30x becomes page one of the record, complete and done for life.

2

Everything reads against it

New prescriptions, labs, and results are interpreted through your genome, never filed beside it.

3

The record writes itself

Reclassifications, checks, and physician notes arrive as numbered entries. You return because it changed.

Fol. 02

Why the genome anchors everything

Genetics is the one prior in medicine that was set before you were born.

Every other measurement of you is a snapshot that moves with sleep, stress, and season. Your genome was fixed at conception and randomized by nature, which is why it carries causal weight nothing downstream can match: published analyses of drug pipelines find that targets backed by human genetic evidence succeed in the clinic at roughly twice the rate of those without it.1 Medicine already trusts the genome more than any other data type. It just reads it last, at the end of illness, instead of first.

The Folio moves the reading to the front, once, and then makes every later measurement answer to it.

What one read settlesFor life
Fixed at conceptionRead once, at 30x, completelyNot a chip of common variants. Every base.
Causal, not correlatedNature ran the experimentAlleles are assigned at random. Biomarkers are not.
Both directionsWhat breaks you, and what protects youMost pipelines discard the second half. Yours keeps it.
AppreciatesWorth more every yearThe sequence is static. Its meaning compounds.

1. Nelson et al., Nature Genetics, 2015, "The support of human genetic evidence for approved drug indications." King, Davis, and Degner, PLOS Genetics, 2019, "Are drug targets with genetic support twice as likely to be approved? Revised estimates of the impact of genetic support for drug mechanisms on the probability of drug approval." The effect is an estimate and varies across analyses and methods. Roughly twofold, not exactly twofold.

Fol. 03

Day one · The founding page

Seven sections, written for an intelligent adult. Labeled with unusual honesty.

Your whole genome, interpreted to clinical standards and physician-reviewed. The italic line on each card is not marketing copy. It is the label we would want if it were our genome, including the two sections most companies oversell and the one the rest of the industry refuses to report.

Section I

Identity and ancestry

Deep ancestral composition, haplogroups, and the population structure that determines how the rest of your Folio should be read.

The most engaging section and the least clinically useful. It is the on-ramp, and we treat it as one.

Section II

Monogenic risk

High-penetrance findings across the medically actionable gene set, reported with penetrance and family context rather than as a verdict.

Two to four percent of adults carry an actionable finding. This section is why a physician reads your Folio before you do.

Section III

Carrier status

Recessive findings across a broad panel, with partner and family implications made explicit.

About one in five adults carries something relevant to reproductive planning. Quiet information with long consequences.

Section IV

Pharmacogenomics

Drug and gene interactions across the established PGx genes, matched continuously against your live prescription list.

The most durable section in the Folio, because it fires again every time a prescription changes.

Section V

Polygenic risk

Common-variant risk across major disease systems, presented as intervals with ancestry caveats and a plain account of what it does not mean.

The weakest evidence in your Folio. We show it as an interval with its caveats attached, or not at all.

Section VI

Traits and physiology

Metabolism, nutrient handling, exercise response, sleep and sensory traits.

Low clinical weight, high curiosity value, and walled off from the medical sections so the two are never confused.

Section VII · What the rest of the industry throws away

Resilience

Every clinical pipeline on earth is built to find what is broken and, by design, discards what protects. Yet the most consequential genetics of the last two decades ran the other way: people walking around with a gene switched off and better health because of it. Carriers of broken PCSK9 ran lifelong low cholesterol, and an entire class of drugs was built to copy them. Your Folio reads your genome in both directions and reports the protective findings with the same rigor as the pathogenic ones.

If your genome carries one of these variants, that fact belongs to you first. Should you choose, through a specific, revocable consent, it can also inform the search for medicines that give everyone else what nature gave you. Some genomes carry the outline of a cure. No section of your Folio is shared without your instruction, this one included.

The structure of the record

Layer one is bought once. Everything above it changes. The membership is for what changes.

I

Foundation

Whole genome at 30x, re-sequenced every two to three years.

The founding page. Re-sequencing is for what your blood acquires with age, not a better reading of what you were born with.

II

Molecular

Plasma proteomics, NMR metabolomics, clinical chemistry, and plasma banked at every draw.

The dynamic layer, read against layer one to produce your personal reference ranges rather than the population's.

III

Clinical and behavioral

History, live medication list, family structure, screening record, wearable and glucose windows.

The context that makes the layers below it actionable, and the cheapest source of density between annual draws.

IV

Interpretation

Reinterpretation agents, medication matching, variant-effect curation, the personal range engine, physician annotation.

What the membership is actually for after year one. Agents surface. Physicians decide.

Fol. 04

The personal range engine

Your normal is not the population's normal.

Population-scale genetics has mapped how DNA sets the baseline level of thousands of blood proteins, and the maps are public. Because your Folio holds your genome and your bloodwork on the same page, it can say what no panel-testing company can: this value is high for the population but normal for you, so nothing needs to happen. And the more valuable inverse: this value looks fine for the population, but for your genotype it is drifting, and the quiet drift is the signal.

Try the toggle. The same number, read two ways, is the difference between a scare and a signal.

Soluble IL-6 receptor · Annual draw
LowDistributionHigh
Population range Your genotype-conditioned range This year's value

94th percentile. A panel company prints this in red and tells you to worry.

You carry IL6R p.Asp358Ala, which raises this protein constitutionally. Squarely inside your personal band. No action, and no scare.

Fol. 05

Why the Folio stays open

Four reasons your record changes without you lifting a finger.

The consumer genetics graveyard is full of reports that were read once, admired, and never opened again. The Folio is engineered around the opposite behavior. Its software agents work continuously and surface what they find for clinical review. Agents surface. Physicians decide. That sentence is both the honest description of the product and the reason it is defensible.

ReinterpretationContinuous
Variant classifications change as evidence accumulates. A variant of uncertain significance resolved years after sequencing is the clearest proof the record is alive, and it is written into your Folio the week it happens, not at your next purchase.
Medication matchingOn every change
Every new prescription and over-the-counter addition is re-read against your genome the day it enters your list, with a one-page note to your prescriber when it matters. The most frequent, most concrete reason a Folio reopens. Try it in the member view.
AccretionEverything, in context
Labs, molecular assays, imaging, screening history, family structure, wearable and glucose windows. Each addition is read against your genome rather than filed beside it, so the record compounds instead of piling up.
MarginaliaYour physician's hand
A note from your own physician, written into the margin of your record, is the one artifact no competitor can generate remotely. It is what turns a file into a relationship.
Lp(a) reviewed with the family history in mind; recheck alongside next year's proteomic draw rather than sooner.Physician annotation · Sample

Governance · Structural, not marketing

A promise you can copy is worth nothing. So we made it structure.

The 23andMe bankruptcy put consented genomes in front of buyers no member ever selected. Every company since has promised not to sell your data, which is exactly why the promise alone is worthless. The Folio's governance is built so that keeping the promise does not depend on our intentions, our investors, or our survival.

I

A binding instrument, not a policy

Member data protections sit in charter-level provisions and a dedicated governance vehicle, not in a privacy policy a future board can amend on a Tuesday.

II

Technically precluded, not just prohibited

The architecture is built so that re-identification and bulk transfer are prevented by design, and a third party attests to that annually. You do not have to trust the intention, because the capability is absent.

III

The Atlas is a commons, not an asset

The shared reference library every Folio reads against is opt-in, de-identified, and readable by members. It is never licensed to third parties. No exceptions, at any price.

IV

Banking is consented, specific, and revocable

Plasma banked at your draws is held for future assays you have specifically consented to. Revoke, and the aliquots are destroyed with written confirmation.

V

The marketplace we will never build

Life, disability, and long-term care insurance sit outside federal genetic-discrimination protections. We will never broker those products against a member genome. A permanent exclusion, not a deferral.

What survives usIn the instrument
If Folio Health ever ceases operating, member records and banked material pass under the governance instrument to member control, outside any sale of company assets. Your Folio is drafted to outlive its publisher.
Executed at enrollmentMember · Trustee · Medical Director
Fol. 06

The quietest page in your Folio

At every draw, a few tubes are set aside for your future self.

Plasma from each baseline draw is aliquoted, frozen, and held under your consent. Most of it is never assayed now, deliberately: assays get better and cheaper every year, but a sample of you at this moment can never be collected later. When a measurement worth running exists in three years, your baseline is already waiting for it, and the result is read against everything else on your page.

Your bank · SampleConsented
Aliquots held4 draws, 16 aliquotsThird-party biorepository, chain of custody ours
ConsentSpecific, opt-in, revocableDrafted with the governance instrument, not bolted on
On revocationDestroyed, confirmed in writing
Fol. 07

Membership

Priced plainly, including the part other companies bury.

Essential is deliberately consultation-free: your Folio is physician-reviewed and delivered asynchronously, and clinician time is bundled where it belongs, in the tiers built around it. We say this on the pricing page rather than in the fine print, because surprise is the enemy of trust.

Folio Essential
$690

Once

  • Whole genome at 30x
  • All seven sections, physician-reviewed
  • Plasma banked at your draw
  • Medication matching, for life
  • Asynchronous review, no visit included

The founding page. Consultations begin at Complete, and we tell you that here, not at checkout.

Folio Complete
$1,400

Once

  • Everything in Essential
  • NMR metabolomics and clinical chemistry
  • One physician consultation
  • Family carrier interpretation

The full founding read, with an hour of medicine attached to it.

Folio SignatureThe living record
$4,900

Per year

  • Everything in Complete
  • Annual proteomics against your personal ranges
  • The annual reinterpretation cycle
  • Two consultations per year
  • Re-sequencing every two to three years

The tier the record was designed for. Year three is worth more than day one.

Folio Private
$25,000

From, per year

  • Concierge, by application
  • Deeper sequencing and expanded molecular panel
  • Direct clinical access
  • Family Folios

A record kept for a household, not a person.

Fol. 08

Folio at Birth

The record opens on day one.

Families bank cord blood against a small chance of future use. A genome read at birth is useful in the first week and every year after: pharmacogenomics on file before the first pediatric prescription, and a founding page the rest of a life accretes on. In addition to state newborn screening, never in place of it.

The clinically superior read is the trio: newborn and both parents together, which is how de novo variants are resolved. We also say the commercial part plainly: one birth opens three Folios.

At eighteen the Folio is offered to its subject. They may take it over, restrict parental access, or delete it entirely. A record that begins before consent must end in consent.

Pricing set at launch · Trio bundles planned
The staged unsealingSequenced once

Tranche I

Childhood-actionable findings and pharmacogenomics

Unsealed at birth

Tranche II

Carrier findings, for the parents' family planning

Released to parents

Tranche III

Adult-onset findings

Sealed until eighteen
The genome is sequenced once; the reading is staged with the person, so a child is never handed knowledge they could not choose. Pediatric genetics guidance has held this line for years. We built the product around it, not around a loophole. A report company has nothing to unseal into. A record does.
Fol. 09

Legacy · For the family of someone gone

A sequence for the living.

The correct genetics is to test the affected person first: a family's exact variant is what makes every relative's testing informative. When that person has died, the sample usually still exists, because hospitals hold pathology specimens for years. There is no clock on this decision.

A Legacy sequence proceeds with the consent of next of kin and, where an estate is involved, its counsel. What comes back is written into the family's records: an exact variant to screen for, or the quiet relief of one ruled out.

Members bank aliquots precisely so their families never need a recovery sequence.

How a sample is recoveredQuietly

Archived pathology block

The default path. A records request, on no one's deadline.

Records request

Banked Folio aliquot

If they were a member who banked, nothing needs recovering.

Already held

Near-term collection

Arranged physician to physician when a family asks early.

Physician-arranged
Archived tissue reads noisier than fresh blood. Coverage and confidence are recorded with every call, and a finding that does not meet the bar is reported as exactly that, not rounded up.
Fol. 10

How a Folio arrives

Through the physician you already trust.

Folio launches inside a small number of concierge and executive-health practices. Your physician introduces it, reads the founding page with you, and writes in its margins for years afterward. The record, the account, and the consent remain yours through Folio, so the Folio follows you: across practices, across cities, across decades.

We also work directly with family offices whose health-advisory function serves the whole household. A family is the natural unit of a genome.

For practicesPlacement, not referral
You provideThe clinical relationshipYou read the Folio with your patient and annotate it
We provideThe record, the sequencing, the molecular layerOptionally co-branded, with your workflow respected
The member keepsThe account, the record, the consentNot negotiable, and the reason patients say yes
Fol. 11

Plain answers

Asked directly, answered directly.

Is the Folio a diagnosis?
No. It is a physician-reviewed record built to clinical laboratory standards, and every clinical section is written to be confirmed with a licensed clinician before any decision. The software agents that keep it current never decide anything. Agents surface. Physicians decide.
Why does Essential not include a visit?
Because pricing should be honest. At $690, bundling clinic time would mean quietly degrading it for everyone. Essential is a complete, physician-reviewed founding page with asynchronous review; consultations are built into Complete, Signature, and Private, where there is room to do them properly. If your founding page contains a finding that warrants a conversation, a clinician calls you regardless of tier. That is not a paid feature.
What do the polygenic scores really tell me?
Less than the industry implies. They are population statistics, they transfer poorly across ancestries, and they change little that a good physician does not already act on. We show them as intervals with their caveats attached because members expect them, and because showing weak evidence honestly is better than hiding it or dressing it up.
What is a protective variant, and why report it?
Occasionally a genome carries a variant that disables a gene and leaves its carrier healthier: lower cholesterol, lower lipoprotein(a), resistance to a disease. These findings are real, rigorous, and systematically discarded by pipelines built only to find pathology. We report yours because it is yours, and because, only with your specific and revocable consent, it can inform the search for medicines that give everyone else what nature gave you.
Can this affect my insurance?
Federal law protects you in health insurance and employment. It does not cover life, disability, or long-term care insurance. We state that before you enroll, your counselor will walk through it, and we will never broker those products against your genome. That exclusion is permanent.
What happens to my Folio if Folio Health fails?
The governance instrument passes your record and banked material to member control, outside any sale of company assets. The largest consumer genetics company went through bankruptcy with fifteen million customers' consented data on the table. Your Folio is drafted so that cannot happen here.
Why re-sequence every few years?
Not for a better reading of the genome you were born with, which does not change. For what your blood acquires with age: mosaic changes and clonal hematopoiesis, which are worth watching and invisible to a single baseline read.