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Your Free Health Scorecard

An independent look at what’s driving your benefits cost.

Most employers never get a clear read on what their health plan is actually costing them, or why. That’s why we offer a complimentary Health Scorecard — an independent look at how your plan is performing, the conditions and prescriptions driving your spend, and where there’s room to do something about it.

Your Scorecard will show you:

  • Overall plan performance and risk score
  • What’s likely driving your renewal increase
  • Your biggest cost drivers, from chronic conditions to prescriptions
  • Where preventive care is being underused
  • How your plan compares to similar employers
  • Where your financial risk is concentrated

There’s no cost and no obligation. Once you’ve seen your results, our team will walk through what they mean and the strategies that could improve your numbers going forward.

What’s inside

Six views of your population

Census analysis

Who is in the population: enrollment mix, gender, age and geography. This establishes the base for every downstream risk and cost view, along with the match rate that tells you how reliable the read is.

Precision risk analysis

A multi-factor algorithmic read combining composite risk scores from multiple data sources, distributing your claimants across low, moderate and high risk tiers.

Where the dollars concentrate

Expected annual cost by claimant spend band, and how sharply total cost concentrates among the highest-cost claimants — usually the single most useful page.

Cost drivers

Top high-cost conditions and drugs. Claimant counts appear as ranges to preserve de-identification at small cell sizes.

Pharmacy signals

The medications most likely to shape pharmacy trend, with notes on where manufacturer assistance, therapeutic alternatives or procurement review may apply.

Ways to reduce cost

Plan-level levers ranked against your actual drivers — all operating under privacy guardrails: population-level, de-identified, never targeted at individuals.

Sample output

What the numbers look like

A representative demo group of 90 members. Your own scorecard follows the same structure.

Top cost driversDemo client
ConditionClaimantsImpact
Disorders of lipid metabolism11–15Catastrophic
Osteoarthritis7–10High
Nonspecific chest pain4–6Moderate
Chronic kidney disease1–3Moderate
Type 2 diabetes mellitus1–3Moderate

Claimant counts shown as ranges to preserve de-identification at small cell sizes.

Expected cost by spend bandTotal $587,114
90Members
39Median age
96%Match rate
$6.5kAvg / member
RangeClaimantsCost% total
<$10k80$363,61461.9%
$10k–25k8$127,70021.8%
$25k–50k1$34,8005.9%
$50k–100k1$61,00010.4%

Claimants above $10k represent 38% of total expected spend.

How it works

Four steps, no cost

1

Share your census

A de-identified census file is enough to start. No individual health information changes hands.

2

We build the scorecard

Your population is matched, benchmarked and scored against composite risk models.

3

We walk it through

A working session on what the results mean and which findings are actionable this plan year.

4

You decide

Use it with your current broker or with us. There is no obligation attached to the scorecard.

Common questions

Do we have to switch brokers to get one?

No. The scorecard is offered at no cost and with no obligation. Plenty of employers use it as an independent second read on what their current advisor is telling them.

What data do you need from us?

A de-identified census is the starting point. Everything reported back is aggregate, and small-cell figures appear as ranges specifically so individuals cannot be identified.

Is this a cost guarantee?

No. The scorecard is a directional planning view built for renewal strategy and population health decisions — not a forecast, a guarantee, or a basis for individual member inference.

How long does it take?

Typically a couple of weeks from receiving a clean census. Start four to six months ahead of your renewal date to leave room to act on what it finds.

Get your free Health Scorecard.

There’s no cost and no obligation — just an independent read on what’s driving your renewal.