Skip to content

For benefits brokers & consultants

Compare networks on what they actually pay

Discounts off billed charges are easy to quote and hard to compare. Negotiated rates show the dollar price each carrier pays each provider. US Health.io puts them side by side for the services each client uses most, so your recommendation rests on prices rather than percentages.

Request early accessHow it works

Coming soon. Join early access to hear first.

No carrier is cheapest for everything

Example

Illustrative example: three carriers' median negotiated rates in one market for six common services, as a percentage of the market median (100). Carrier B is lowest for a knee MRI (76) but highest for a colonoscopy (115); weighted by this client's mix, Carrier B comes out about 9% below Carrier A.

Illustrative example, not real prices.

A bigger discount isn't always a lower price

A 55% discount off a $4,000 charge costs $1,800. A 40% discount off a $2,000 charge costs $1,200. The network with the smaller discount is cheaper, and a discount comparison would never show it.

Published negotiated rates replace that guesswork with the actual dollar amounts each carrier pays each provider. The catch is the files: billions of rows across insurers, with duplicates and placeholder rates to clear out before any two numbers can be compared. That's the work we do.

Why comparing prices matters

The same service can cost many times more depending on who provides it and where. These figures come from published research and federal rules.

difference in price for the same service within a single metro area
Up to 40×
Source: Health Care Cost Institute, Past the Healthy Marketplace Index
negotiated rate for an outpatient colonoscopy in the Chicago area, depending on where it was done
$562 – $9,691
Source: Trilliant Health, 2025 price transparency report
median colonoscopy price at an ambulatory surgery center than at a hospital outpatient department
67.5% lower
Source: Trilliant Health, 2025 price transparency report
health insurers and plans have had to publish the rates they negotiate with providers
Since July 2022
Source: CMS, Transparency in Coverage final rule fact sheet

What price data does for your clients

Questions you'll be able to answer for clients

  • Which carrier's network pays least for this client's top 20 services?
  • Where does each carrier pay far above the market?
  • Is the "cheaper" network cheaper for the services this client actually uses?
  • Which providers would a narrow network or steerage program need to include?

What's coming

  • Web portal

    Coming soon

    For employers, brokers and providers

    Compare negotiated rates by procedure, provider, insurer and market, and export what you find.

  • Reports

    Coming soon

    Benchmarks and custom analysis

    Ready-made benchmark reports for your market and plans, or an analysis built around your question.

How it will work

  1. 1

    Pick the markets and carriers

    The networks you're comparing for a client, in the places their members live.

  2. 2

    Weight by what the client uses

    Their most-used services, so comparisons reflect real utilisation.

  3. 3

    Present the comparison

    Explore in the portal or get a benchmark report to bring to the client.

Questions

How is this different from a disruption or discount analysis?

Those compare networks by provider overlap and percentage discounts. Negotiated rates show the price each carrier pays each provider for each service, so you can compare the cost of the same care across networks directly.

Does it replace claims data?

No, it complements it. Claims show what members used; negotiated rates show what each network would pay for that care, at every provider, including the ones members haven't used yet.

Can I use it across many clients?

The portal is being designed for advisors who work across many employer clients and markets. Tell us how you work when you join early access.

When can I use it?

The portal and reports are coming soon. Join the early-access list and we'll be in touch.

New to price transparency? Start with what machine-readable files are or why the same procedure can cost five times more across town.

Join early access for advisors

Tell us about your book of business, and we'll invite you as carrier comparisons come online.

Request early accessEverything we’re building

Opens an email to hello@ushealth.io. No pricing yet; we’ll be in touch.

Also built for

Terms used on this page