Fragmented today
Carrier report
PBM invoice
Stop-loss contract
Consultant deck
One shared operating layer
Cost intelligence+18% trend
Vendor accountability3 gaps
Governance documentation7 on record
01
Visibility
Lack of visibility has become its own risk
Kind Health is a shared operating layer for benefits: cost intelligence, vendor accountability, and governance documentation in one place.
- Cost intelligence: Medical, pharmacy, and stop-loss reconciled into one view and read against the funded budget — so trend and its drivers are named while there is still time to act.
- Vendor oversight: PBM and TPA performance measured against what the contract actually says: rebate pass-through, disclosed compensation, and unmet guarantees.
- Governance documentation: Every material decision logged with the evidence reviewed and the alternatives considered — an audit-ready record built as the year unfolds.
02
Interpretation
Know what questions to ask, where money leaks and what decisions need to be documented.
Reads everything
Connects every data source you have: claims, pharmacy, SPDs, stop-loss contracts.
Puts it in plain English
Tells you what's happening and why — not just what the numbers say.
Creates fiduciary oversight
Records every recommendation, action, and outcome for decision defensibility.
Decision cyclecomplete
Signal detected
Claimant crosses 60% of spec
Alternatives modeled
3 options priced against trend
Recommendation issued
Laser reviewed, corridor reset
Decision recorded
Evidence + rationale attached
Traditional cycle90 days
With Kind Healthsame day
03
Decision
In healthcare, AI changes the speed of decisions.
Kind Health continuously evaluates the health plan ecosystem, changing how organizations make, record, govern, and scale them.
- Claims intelligence: Real-time tracking of high-cost claimants, stop-loss exposure, and catastrophic risk.
- Renewal readiness: When a vendor contract is reviewed, or a plan design decision is considered, the employer can document what was reviewed, what alternatives were considered, what action was taken, and why.
- Vendor oversight: Understand vendor contracts, whether recommendations are defensible, whether compensation is transparent, and whether risks remain unaddressed.
04
Documentation
The operating system for employer health plan governance
- Every material benefits decision — plan design changes, vendor selections, cost containment actions — logged with the data reviewed, the alternatives considered, and the rationale behind the choice.
- ERISA lawsuits targeting employer health plan decisions are rising. The question is no longer whether you should document your decision-making. It's whether you can produce that documentation when asked.
- Kind Health builds the audit-ready record as you go — not assembled under pressure at the last minute.
Fiduciary decision log4 / 4
Mar 04Stop-loss corridor reset6 exhibits
Apr 19PBM contract renegotiated9 exhibits
Jun 02Specialty tier redesigned4 exhibits
Jul 15TPA performance reviewed7 exhibits
Audit package ready to produce