For PE firms
Better health insurance for your portcos.
Cut health spend across the portfolio and see every company's savings in one place.
EBITDA
+$1.8–3.6M
Year 1, 1,000 employees
Spend
10–20% less
Set in each company's quote
Health coverage
Diamond
$0 effective deductible, GLP-1s included
Rollout
Per portco
On each renewal date
- Savings locked before day oneEach company's lower cost is set in its quote, before the plan starts.
- $0 admin fees. $0 per employee.No new line items on any portco's books.
- Paid only on performanceWe earn only when the plan costs less than we quoted.
Sponsor view
Every portco's savings, in one view.
- Rollout statusWhich companies are live, enrolling, or up for renewal.
- Savings by companyCost per employee before and after, and what each portco keeps.
- No HR liftWe run enrollment, claims, COBRA, and filings for every company.
Fund III · Health plan report
Example portfolio- Saved per year, live
- $1.0M
- When all are live
- $2.3M
- Companies live
- 2 of 5
| Company | Status | Per employee | Saved / yr |
|---|---|---|---|
| Northwind Logistics210 employees | Live | $658K18% less | |
| Halcyon Dental Group140 employees | Live | $348K15% less | |
| Ridgeway Software85 employees | Enrolling | $162K12% less | |
| Copperline Foods260 employees | Renews Mar | $759K16% less | |
| Atlas Field Services180 employees | Renews Jul | $396K13% less |
Portfolio model
Run the numbers on your portfolio
Compare the plan
Better than big-tech benefits.
For less than portcos pay today
Compare coverage, care costs and the support employees get with each plan.
| Benefit | PrescienceDiamond | FAANGBig-tech benchmark | Typical small employerSmall-employer benchmark |
|---|---|---|---|
| Coverage level | Above Platinum | Platinum-level≈92% of care costs | Bronze / Silver60–70% of care costs |
| Annual deductible | $0Effective deductible | $0–$500 | $2,631Small-employer average |
| Out-of-pocket maximum | ~$1–2k | $2–4k | $3–6k |
| What you pay for care | Upfront copays0% coinsurance | 10% coinsurancePlus copays | 20–30% coinsurance |
| HSA support | HSA eligible~$3k in family tax savings | HSA eligibility or low-deductible benefitsTypically a choice between the two | Varies |
| Network | PPO + Prescience NetworkNo PCP referral needed. More ways to see doctors faster, at low cost, even in hard-to-reach areas. | PPO | HMOLimited to the local area |
| Ancillary benefits | GLP-1s for all medical indicationsFree genetic testing, blood testing and a wearable for eligible employees. | Some wellness apps | None |
| Help getting care | 24/7 Care CompanionCalls doctors for you and handles your records, saving hours. | Call centers | Call centers |
Ask to see a sample employee guide for more information on the costs of specific care. Illustrative plan designs; actual benefits vary by employer, plan and eligibility. Out-of-pocket ranges are annual, in-network individual limits. GLP-1s and ancillary benefits are subject to medical necessity and plan terms; provider access and cash-pay reimbursement depend on the plan.
The ~$3k HSA example assumes an eligible family contributes the full $8,750 limit for 2026 at an illustrative 34% marginal tax rate. Actual savings depend on contributions and tax circumstances; this is not a cash bonus. Sources: Prescience YC Health Report (coverage benchmarks); KFF 2025 (small-employer deductible, among plans with a deductible); IRS 2026 HSA limits.
Frequently asked questions
Next step
Bring one renewal to a call.
Send one portfolio company's renewal and census. We'll show the savings and a rollout plan for that company.