Benefits Intelligence Platform

A shared decision-support and governance platform for self-funded employers and their consultants.

Kind Health helps organize plan evidence, evaluate healthcare spending, review PBM and TPA relationships, document key decisions, and strengthen fiduciary oversight.

Always-on intelligence
FY26 renewal
Medical trend exceeds budget
Projected trend is 4.1% over your funded budget. Three drivers identified.
$612▲ 4.1%
PEPM
3
Catastrophic
$1.4M
Tracked
Recommended action completed
Stop-loss laser re-papered with the carrier · confirmed Apr 12.
Partnered with
Clinical methodology backed by Johns Hopkins  ·  Compliance-ready  ·  SOC 2  ·  HIPAA
For employers and consultants

A shared healthcare decision-support and governance platform for self-funded employers and their consultants.

Spend analysis
Function 01
Analyze healthcare spend

See where the dollars actually go — reconciled across medical, pharmacy and stop-loss, and read against your funded budget.

PEPM trend broken out by medical vs. pharmacy vs. one-time catastrophic claims
Projected spend compared to your funded budget, not just last year
Every figure traceable back to the source claim or document
$612▲ 4.1%
PEPM
Trend exceeds funded budget
FY26 medical trend is projected 4.1% over budget. Three drivers isolated and ranked by materiality.
What the data shows

Employer intelligence workflows are designed around large claims, pharmacy, utilization, and financial datasets that allow us to surface trends, cost drivers, and make strategic recommendations.

Claims data
Dataset 01

Every paid, pended, and adjusted claim — reconciled to the member, the provider, and the plan. This is the ground truth every other view is built on.

Where the spend concentrates
Top 1% of claimants32%
Next 4% of claimants29%
Remaining 95%39%
61%
spend · top 5% of members
Concentration risk
A handful of members drive the majority of annual plan cost — the first thing a fiduciary needs to see.
Collaborative workspace

When you and your client see the same data, the conversation changes completely.

Kind Health helps employers and consultants work from the same real-time information to analyze healthcare spend, document governance decisions and mitigate financial risk.

FY26 renewal — shared workspace
YouConsultant
Trend to date
+18%
Decisions on record
7
Live activity
Consultant flagged specialty-Rx trend for FY26 renewalnow
You documented decision to hold HDHP option2m
Kind Health modeled stop-loss exposure — 4 claimants near spec5m
Analyze healthcare spend together

One reconciled view of claims, pharmacy, and utilization — so there's no reconciling two versions of the truth before the meeting.

Document governance decisions

Capture what was decided, who owned it, and the evidence behind it — a defensible record your fiduciary committee can stand behind.

Mitigate financial risk

Stop-loss exposure, trend drivers, and catastrophic claimants surfaced early — while there's still time to act on them.

Two tools. One platform. One shared view.

A single platform that unites the people who manage benefits, and the employees who use them.

Kind Health AIEmployers + consultants

The shared intelligence platform. For employers and their consultants — understand the financial risk due to healthcare spending while documenting all decisions for fiduciary governance.

Always on100%
Claims + Rx ingested48,210 lines
Specialty trend detected+18% YoY
Stop-loss exposure flagged4 claimants
Decision documentedon record
Explore the Platform
KioEmployees

The benefits guide in plain language. Members ask Kio about a bill, a claim, or a plan choice — and get a clear answer, any time of day.

Why did I get a $480 bill for my MRI?
You hadn't met your $1,000 deductible yet, so the MRI applied to it. Your plan covers the rest at 80% after that.
Source: your SBC, p.3 · Deductible: $520 remaining
Explore Kio

Built by benefits industry experts

Kind Health was designed and built by a team with decades of experience in the upper levels of benefits administration, health insurance, and AI — in collaboration with design partners at HUB and Alliant.

See what your benefits data has been trying to tell you.

CFO-ready reports. Governance documentation. Audit-ready from day one.