Medical cost inflation is running 7%+. Your plan doesn't have to.
An independent price and access platform surfacing millions in opportunity across the whole plan — peer-reviewed methodology, network intact. Post-J&J, Wells Fargo, Kraft Heinz, Aramark, and Ford, defensibility is table stakes.
Find out what your plan is overpaying before your next renewal.
It starts with a short call. We plan the de-identified claims handoff with you, then come back with your plan’s total savings opportunity in dollars, at no charge.
Costs are rising and the fiduciary bar has moved. Committees want defensible answers.
Trend is outpacing wage growth and margin.
Medical trend is running 7%+. Every renewal asks the same question: where do the next several points of cost come from — without breaking access?
Committees now need evidence, not vendor assertions.
The J&J, Wells Fargo, Kraft Heinz, Aramark, and Ford ERISA cases have redefined what fiduciaries must know about price, contracts, and vendor evidence.
Three levels, one plan-wide opportunity.
A whole-plan view of what's on the table — plan-level, strategy-level, and member-level — on one peer-reviewed methodology.
Which carrier gives us the best cost and access?
Are we paying market? Does our population have the providers they need, where they live?
Simple Healthcare Roadmap
The platform that prices your plan's cost levers and ranks the actions — model every carrier, every rate, every access trade-off at your assumptions.
What strategies move cost and access?
Direct contracts, incentive design, point-solution evaluation, steerage, high-cost claimant strategies.
Simple Healthcare Roadmap — same product, different lens
The platform that prices your plan's cost levers and ranks the actions — each strategic lever priced in dollars, with the execution playbook to act.
Turn plan strategy into member choice.
Do members find the high-value provider you selected? Does the plan you designed actually show up in what they do?
Simple Healthcare Search
Consumer-facing tool that helps members shop for care.
Most tools live at one level. Simple Healthcare is the whole continuum.
The full value isn't just found savings.
The Continuum shows what you buy at each tier. This is where the value actually comes from — and why three of four buckets pay off even when no measured savings are captured.
Simple Healthcare Roadmap prices the levers — the levers priced in dollars, connected to the specialist vendors (Imagine360, 6 Degrees Health, AMPS and others) who execute each one. Simple Healthcare Search puts price and quality data into members' hands at the point of care, where dollars actually move.
Even when a switch or renegotiation makes no dollar change, Roadmap documents why. Rate-evidence match rate, evidence grade per lever, calibration receipts — the “we checked and here's what we found” artifact a benefits committee can hand to a fiduciary reviewer without a follow-up meeting.
“How This Was Built” is one screen inside Roadmap. Every claim traced, every carrier compared, every rate priced from a real published record or a validated estimator — with the evidence share disclosed on every screen. Fiduciary defensibility earned with receipts, not asked for on faith.
Showing the TPA an independent price file recovers concessions — even when the plan doesn't switch carriers, doesn't restructure, doesn't move a single member. The file itself is leverage.
Sources: Jones Day (May 2026) on the ERISA health-plan fiduciary litigation wave; Groom Law Group (June 2026) on Stern v. JPMorgan and the “meaningful benchmark” standard.
The levers and the dollars on one screen.
This is Roadmap's Overview — the first screen your benefits committee opens.
We make your existing stack sharper. We don't replace any of it.
Your broker still leads strategy. Your carrier still runs the network. We sit underneath — combining your claims with the negotiated rates every insurer must publish under federal law for a market-wide view nobody in the stack has on their own.
Works alongside your existing broker, carrier, and navigation vendors. If your advisor should be in the room, bring them.
Built around the conversations you're already having.
How an engagement actually starts.
A conversation
Walk through the paired Savings × Disruption view and the fiduciary documentation.
A scoped analysis
Scope the work on your plan — markets, populations, timing.
A decision
PEPM subscription. Independent, defensible, repeatable across your plan.
We connect published prices to real episodes of care.
Those savings numbers are built on real, observed prices — combined from your plan’s de-identified claims, the negotiated rates insurers and hospitals are required to publish under federal transparency rules, Medicare and all-payer claims, and hundreds of additional data sources. We’ve been researching and publishing on healthcare price and quality transparency since 2012, a decade before the federal rules existed.
Others clean the transparency files. Others compare carriers. We connect the negotiated rates insurers and hospitals must publish under federal law to the full episode of care — surgeon, facility, anesthesia, labs, follow-up. That’s what makes it possible to compare the levers that actually move cost: site of care, reference pricing, DRG repricing, direct contracting, and more. Without the full episode, you can’t.
Ready to see the whole plan opportunity?
Fifteen minutes to walk through the paired Savings × Disruption view and the fiduciary documentation. If your broker should be in the room, bring them.
Frequently asked questions.
Is Simple Healthcare a fit if we're fully-insured, not self-insured?
The platform is built for self-insured plan sponsors where the plan controls its own claims data and network strategy. Fully-insured groups gain less because those decisions sit with the carrier. If you're on a level-funded or minimum-premium arrangement, talk to us — some of those qualify.
How is this different from what our carrier or broker already tells us?
Your carrier reports the plan's own performance. Your broker interprets it. We add the third leg: a market-wide, independent price and network view that neither has on their own. Same conversation, evidence instead of assertion.
Do we have to switch carriers to see savings?
No. Even when the plan doesn't switch carriers, an independent price file surfaces TPA concessions and gives the committee a defensible answer at renewal (see Bucket D above). Carrier change is one option — not a prerequisite.
How does ERISA fiduciary defensibility work?
Post-Stern v. JPMorgan— a prescription-drug case whose question now applies plan-wide — and the J&J / Wells Fargo / Kraft Heinz / Aramark / Ford cases, courts assess whether committees consulted a meaningful, independent pricing benchmark — grounded in publicly published rates, not a vendor’s proprietary black box. Simple Healthcare is built to meet that bar: peer-reviewed methodology, documented sources, on file when the committee needs it.
What data do you need from us to get started?
Claims and eligibility in whatever format your TPA delivers, plus network and geography specs. We combine that with federal Transparency in Coverage rate files. First diagnostic insights typically land four to six weeks after receipt.
Is member data secure and HIPAA compliant?
Yes. All claims data is de-identified and encrypted at rest and in transit — no PHI changes hands, so no HIPAA Business Associate Agreement is required. Access is scoped to the analysts on your engagement.
Do our members have to change providers?
No. Nothing in the platform forces network change or member disruption. Roadmap surfaces where the opportunity sits; Simple Healthcare Search gives members better information at the point of care. Whether a member changes providers is their choice.
What's the timeline from first conversation to first insights?
A conversation, a scoped analysis on your plan, then data. First diagnostic insights typically land four to six weeks after we receive claims. See the "Path to a decision" section above for the full sequence.