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For self-funded employers

Know what your health plan really pays

Your plan has agreed a price with every provider in its network, and for the same service those prices can differ several times over. US Health.io turns the rates insurers publish into benchmarks you can act on at renewal, in plan design and when you guide employees to care.

Request early accessHow it works

Coming soon. Join early access to hear first.

One knee MRI, one network, twelve prices

Example

Illustrative example: what one network pays twelve providers in one metro area for a knee MRI, from $480 to $3,250, with a median of $1,140. Moving 100 of the plan's 500 scans a year from a provider paid $1,900 to one paid $650 would save $125,000.

Illustrative example, not real prices.

You pay the claims, but you rarely see the prices

A self-funded plan pays for every claim, yet the prices behind those claims have sat inside contracts between insurers and providers. Renewal conversations lean on headline discounts off billed charges, which don't tell you what a service actually costs.

Since July 2022, health insurers have had to publish the rates they negotiate with every in-network provider. The files are public, but they are enormous and full of duplicates and placeholder rates. We clean them and line them up, so you can see what your network pays, and what others pay, for the services your employees use most.

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 plan

Questions you'll be able to answer

  • What does our carrier pay for an MRI, a colonoscopy or a knee replacement at each provider near our employees?
  • Is another carrier's network cheaper for the services our members use most?
  • Which providers and sites of care should our navigation or incentive program point people to?
  • How do our network's rates compare with the market median?

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 your market and carrier

    Choose where your employees live and the networks your plan uses.

  2. 2

    See your benchmark

    Your network's rates next to every other network's, for the services your plan pays for most.

  3. 3

    Act on it

    Explore in the portal or get a benchmark report to take into renewal and plan design.

Questions

Do we need to share claims data?

No. Benchmarks are built from the negotiated rates insurers publish. Adding your own claims later would show where your spend is concentrated, but it isn't needed to compare prices.

How is this different from a discount analysis?

A discount analysis compares percentages off billed charges. Negotiated rates are the actual dollar amounts a plan has agreed to pay each provider for each service, so they show which network is cheaper for the care your members use.

Which insurers will be covered?

We're building coverage from the files US health insurance companies publish under federal price transparency rules. Tell us which carriers and markets matter to you when you join early access.

When can we use it?

The portal and reports are coming soon. Join the early-access list and we'll get in touch as benchmarks for your market are ready.

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

Get early access for your plan

Tell us your market and carrier, and we'll let you know when your benchmarks are ready.

Request early accessEverything we’re building

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

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