Grounded Health helps self-insured employers get their claims data, see where the money is actually going, and realize savings.
Get my data →Healthcare benefits run 9–14% of total employee compensation at most large employers. It's treated as a weather event. It isn't.
“Bad things happen. We can’t control it.”
It’s a managed cost. It’s just usually managed against you.
Your broker, carrier, and PBM all make more money when spend goes up. Federal mandates now require carriers to provide the data that makes those incentives visible.
“If we save, we’re shifting cost to employees.”
Waste is not the same thing as employee benefits.
Site-of-care differences, duplicate billing, vendor over-pricing, and plan design mismatches create savings without changing what employees receive.
“We’ve tried before. High effort, low results.”
The data changed. The opportunity is now measurable.
CAA 2021 and transparency mandates force pricing and claims access into the open. The signal employers were missing is no longer theoretical.
One employer had $2,300 less per employee per year, with better benefits. When the acquiring company moved 2,500 employees onto that plan, the change created more than a quarter billion dollars of equity value that had not been priced in.
Lee Lewis, Health Transformation Alliance, as cited in the draft that informed this page.
A claims-spend delta can compound into enterprise value when the plan is large enough and nobody has priced the waste correctly.
Insurance companies and PBMs have departments of people and AI to find new ways to downcode, add fees, mark up, deny, underpay and more. Employers cannot even get claims data reliably. And that is by design.
Mark Cuban on LinkedIn · May 2026
Weekly briefings, outlier case alerts, and savings attribution — built for the CFO conversation, not just the benefits team.
Spend trends, forecast movement, and the next decisions that matter.
High-cost claimants surfaced early enough to change the outcome.
Claims plus intermediary costs · trailing 12 months
Confirmed savings · trailing 12 months
Most self-insured employers have the right to claims data from their carrier or TPA. Very few have a clean path to actually get it.
CAA 2021 and federal payer-to-payer API mandates require machine-readable access to this data. This is a legal obligation, not a favor.
We draft the request, define the response requirements, and manage the escalation path with your broker, TPA, or carrier so your team gets usable data, not delays.
The opportunity is not theoretical. The data is already there. Most employers just never get it into a form they can act on.
