Federal data reveals employers in your zip code pay up to 40% less for identical coverage. See where you stand - free.
Your Price Gap Report is being prepared. We'll deliver it to your email within 48 hours.
The health insurance market is deliberately opaque. Brokers profit from information asymmetry. That's about to change.
Brokers earn commissions tied to plan selection and premium size. They have every incentive to keep you in the dark about what competitors pay for identical coverage.
Every renewal, you negotiate blind. Without knowing what similar employers in your market actually pay, you have no leverage and no way to know if the rate increase is justified.
The same procedure, the same insurer, the same geography - but wildly different rates depending on which employer is paying. Yours may be at the top of that range without you knowing.
In July 2022, the CMS Transparency in Coverage rule took effect - one of the most significant healthcare transparency mandates in US history. Every major insurer is now required to publish their negotiated rates for every covered procedure.
This data covers negotiated rates by procedure code, insurer, and geography - for every employer-sponsored plan in America.
The problem: these files are massive machine-readable JSON - some exceeding 500GB each. They were designed for software systems to process, not for a CFO to open in Excel. The data is technically public, but practically inaccessible without serious engineering.
That's what we built. We parse, normalize, and index these federal files, then map your employer profile against every comparable employer in your zip code. The result is a clear, actionable gap analysis - what you're paying versus what you should be paying.
We continuously pull and parse machine-readable rate files published under the CMS mandate - currently 47,000+ files from major insurers.
Rates are mapped to standard CPT codes and indexed by zip code, enabling true apples-to-apples comparison.
Your company size, zip code, and carrier are matched against comparable employers in the dataset.
You receive a clear report: your percentile ranking, estimated overpayment, and the top procedures where you're leaving money on the table.
In 48 hours, you'll know exactly where you stand. No consultant fees, no long sales process - just federal data, analyzed for your specific situation.
Start free. Upgrade when you're ready to negotiate from a position of strength.
Get your free Price Gap Report in 48 hours. See exactly how your health insurance rates compare to competitors in your zip code.
Your Price Gap Report is being prepared. We'll deliver it to your email within 48 hours.
The Scale of the Problem
This isn't a niche issue. Employer health insurance overpayment is systematic and massive - and now provable with federal data.