500 Lives exists because employer health plans got expensive faster than they got transparent. The data to understand plan pricing is public now, but it arrives as enormous machine-readable files nobody has time to read. We read them. Then we put what matters on one page for the people who have to sign the renewal.
How we work
A short scoping conversation to understand your plan year and renewal timing.
A market-level pricing review built from published rate filings in your employees' regions.
A plain-language readout you can put in front of your CFO, your leadership team, or your broker.
Principles
Plain language beats jargon; if a readout needs a glossary, we rewrite it.
Data without employee details — our work starts from zip codes, never personal health information.
Independence first — we have no stake in which carrier, network, or broker you use.
Brokers are partners in this, not adversaries; good data makes those conversations better.
Why now
Most employers renew their health plan the same way every year: a quote arrives, it's higher than last year, and there is no practical way to check it. Meanwhile, the same care can be priced very differently at different in-network facilities in the same city. That spread sits inside every renewal — it just isn't visible at signing time.
Get in touch. We keep a small team and a short inbox — replying to any note from us gets you a same-week conversation.