Fixed-Fee & Capped Referral Model
While we may receive a standard referral fee from carriers, that fee is fixed and capped. This eliminates any incentive to promote one plan over another based on higher commission rates.
Penalty for High Claim Denial Rates
If Carrier A pays more than Carrier B, our AI-ranking engine automatically penalizes Carrier A's visibility unless their "Claim Denial Rate" is at least 15% lower than the market average. This prioritizes member outcomes.
Member-Centric Sorting & Net Cost of Care
Our "Best Value" results are sorted by the Net Cost of Care (Premium + Projected Out-of-Pocket + Historical Denial Friction), not by our internal profit margin. We aim for true value, not just low premiums.
We are the only platform that publishes our "Carrier Neutrality Audit" quarterly, showing exactly how our recommendations align with actual member outcomes rather than corporate payouts.