Healthcare risk, treated with financial-grade discipline.
Your health plan is no longer just a benefit. It's one of the largest unhedged, most volatile financial risks on your balance sheet — one you likely have no control over. Claims Hedge benchmarks your claims against Medicare, on your own data, and shows you a number no one has shown you before. Then we fix it with Cost-Plus Pricing.
Where does your risk actually come from?
10–15% of your employee population drives 70–80% of total healthcare cost.
But the volatility isn't coming from your employees — it's structural. Four vertically integrated healthcare conglomerates now control more than 80% of total healthcare cost: the carrier, the hospitals, the doctors — everything. When you negotiate, you're not buying in a competitive market. You're negotiating against an ecosystem designed to push cost into your plan.
This is why traditional brokerage fails. Our job is not to shop the market. Our job is to design, build, and operate a plan that gives you complete transparency and control over a multi-million-dollar unhedged risk exposure — not in theory, but in measurable, hard dollars that drop to your bottom line 60–90 days after implementation.
Where does your health plan really stand?
- →Zero visibility into your plan costs?
- →No transparency into your claims?
- →No control over your future — health benefits are often the biggest unhedged financial risk in your business.
- →Want more control — and to save ~25% on employee premiums annually?
- →Ready for a seat at the table — instead of the back of the bus?
If any of these hit home, you're exactly who we built this for.
What we deliver
Transparency
See where every dollar actually goes. If you don't have access to your claim data today, there's a reason — and there's a better way.
Control
Stop being a price-taker. Cost-Plus Pricing sets a fair, defined margin above actual cost — you choose your own risk instead of absorbing someone else's.
Peace of Mind
Minimal employee disruption. Your people keep a familiar, top-five provider's card and a staffed support line — while the plan underneath costs dramatically less to run.
Three things every CFO should know.
- 1Your healthcare plan is a multi-million-dollar risk portfolio — not a benefits program.
- 2Volatility is driven by structural forces and risk concentration — not employee behavior.
- 3A risk-first actuarial model reduces volatility and increases predictability.
Ready to see your number?
We run the analysis on your own data — no charge, no obligation.