A San Francisco startup, Waterlily, is using AI to simplify long-term care planning and costs. Founded in 2021 by Lily Vittayarukskul, the company was born out of personal hardship—her aunt’s terminal colon cancer diagnosis left the family struggling with overwhelming medical costs. “It wiped us out financially,” Vittayarukskul, a former NASA data scientist, told TechCrunch. At the time, she was studying aerospace engineering, but the emotional and financial toll of her aunt’s illness led her to pivot to genetic and data science, ultimately inspiring Waterlily’s mission. How does Waterlily help individuals