Is there a size limit?

No. The plan sits on a fully insured carrier base plan, so it works for a team of any size, including companies with employees in many states.

We're already self-funded. Can Prescience help?

Yes. For employers that already self-fund, Prescience can run the plan for a share of verified savings instead of a quoted contribution. Terms are set in your agreement.

Which HR and payroll systems do you connect to?

Workday, Rippling, ADP, Gusto, Deel, Justworks, and most other payroll and HRIS platforms. Changes flow in automatically, and deductions flow back out.

How is the quote priced?

From your census and the claims history you can share, using our forecasting model. The quote sets your contribution before the plan starts, usually 10 to 20% below comparable fully insured coverage.

Do you handle ACA reporting and COBRA?

Yes. We file Forms 1094-C and 1095-C, Form 5500 where it applies, and required notices, and we run COBRA from election notice to end of coverage.

Does HR see employee health information?

No. Care conversations stay between employees and our clinicians under HIPAA. HR sees enrollment and billing, not diagnoses or claims.

How does Prescience make money?

A performance fee when your plan costs less than we quoted, or a share of verified savings for self-funded plans. No admin fees and no per-employee fees.

Benefits on autopilot with AI. Enrollment, COBRA, and filings handled for HR.See how →

One plan for every location.

Prescience designs and runs the health plan for large, multi-state teams with $0 admin fees, and earns only when your costs come in under the quote.

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Company planExample

Employees

640

States

Plans

California212Network checked
New York141Network checked
Texas96Network checked
Illinois58Network checked
Colorado44Network checked
9 more states89Network checked

Built for scale

More people, more states, more filings. Prescience runs all of it from one plan.

Every state, one plan.

Each quote checks network coverage where your people live and work, so a team spread across states still gets one plan.

Already self-funded? Share the savings.

If you already self-fund, Prescience can run your plan for a share of verified savings instead of a quoted contribution.

Your HRIS stays the source of truth.

Hires, terminations, and address changes flow in from payroll. Premium and HSA deductions flow back every pay run.

Large-employer filings, done.

ACA forms 1094-C and 1095-C, Form 5500, and the notices employees must get each year. You get a copy of everything.

A care team for every employee.

Your company gets its own health inbox. Physicians, nurses, and benefits specialists answer, so HR doesn't have to.

See next year's cost before the renewal does.

Our forecasting model, Time Machine, reads your claims history and routes care before expensive events happen. How Time Machine works

Priced from your claims
Your quote starts from your census and the claims history you can share, not a carrier's rate table.
Care routed before costs land
Members are guided to high-quality care early, which lowers cost and improves outcomes.

From census to coverage, every location at once.

Week 1
Census and claims
Send your census and the claims history you have. Your HRIS can send the census for you.
Week 2
Quote and plan design
Our doctors design the plan. You see the contribution, set before the plan starts.
Then
Sign and connect
Sign the agreement and connect payroll. We set up every location.
Enrollment
Everyone enrolls
Employees enroll from their phones, with our team answering questions.
Any month
Coverage starts
Your plan year starts on your date, not January 1.

The same great plan in every office

$0 premium for employees

A $1,000 out-of-pocket max and an employer-funded HSA.

Same or next-day care

Prescience Medical Group plus a broad national network.

Crystal, 24/7

A care companion that books visits and explains bills.

Bring your renewal to a call.

Send your census and current plan. We'll walk you through the numbers.

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Frequently asked questions

One plan, every state, no admin fees. Give every employee a care team of their own.