', 'text/html'); var frag = d.createDocumentFragment(); copyInline(tpl.body, frag, d); while (el.firstChild) { el.removeChild(el.firstChild); } el.appendChild(frag); } function safeUrl(u) { u = String(u || ''); if (/[\\\s\u0000-\u001f\u007f]/.test(u)) { return ''; } // "/\evil.com" reads as "//evil.com" return /^(https?:\/\/|\/(?![\/\\]))/i.test(u) ? u : ''; } function setImage(el, e) { var img = el.tagName === 'IMG' ? el : el.querySelector('img'); if (!img || !safeUrl(e.src)) { return false; } var pic = img.parentElement && img.parentElement.tagName === 'PICTURE' ? img.parentElement : null; if (pic) { Array.prototype.slice.call(pic.querySelectorAll('source')).forEach(function (s) { pic.removeChild(s); }); } img.setAttribute('src', e.src); if (e.srcset) { img.setAttribute('srcset', e.srcset); } else { img.removeAttribute('srcset'); } ['data-src', 'data-lazy-src'].forEach(function (a) { if (img.hasAttribute(a)) { img.setAttribute(a, e.src); } }); ['data-srcset', 'data-lazy-srcset'].forEach(function (a) { if (img.hasAttribute(a)) { img.setAttribute(a, e.srcset || ''); } }); if (typeof e.alt === 'string') { img.setAttribute('alt', e.alt); } return true; } function apply(e, el, doc) { doc = doc || el.ownerDocument; switch (e.op) { case 'text': setText(el, e.value); return true; case 'image': return setImage(el, e); case 'href': var a = el.closest ? el.closest('a') : null; if (!a && el.tagName === 'A') { a = el; } var u = safeUrl(e.value); if (!a || !u) { return false; } a.setAttribute('href', u); return true; case 'style': for (var p in e.props) { if (Object.prototype.hasOwnProperty.call(e.props, p) && /^[a-z-]+$/.test(p)) { el.style.setProperty(p, String(e.props[p]), 'important'); } } return true; case 'hide': el.style.setProperty('display', 'none', 'important'); return true; case 'move': var t = find(doc, e.target); if (!t || t === el || el.contains(t)) { return false; } t.parentNode.insertBefore(el, e.pos === 'after' ? t.nextSibling : t); return true; } return false; } function find(doc, sel) { try { return doc.querySelector(sel); } catch (x) { return null; } } function complete(el, doc) { if (doc.readyState !== 'loading') { return true; } for (var n = el; n && n !== doc.documentElement; n = n.parentNode) { if (n.nextSibling) { return true; } } return false; } w.ABTT_apply = { apply: apply, find: find, complete: complete }; })(window); (function (w, d) { 'use strict'; var A = w.ABTT, X = w.ABTT_apply; if (!A || !A.t || !X) { return; } var html = d.documentElement; function norm(p) { p = '/' + String(p || '').replace(/^\/+|\/+$/g, ''); return p === '/' ? '/' : p + '/'; } var path = norm(location.pathname); var ls = null; try { ls = w.localStorage; ls.setItem('abtt_t', '1'); ls.removeItem('abtt_t'); } catch (e) { ls = null; } function get(k) { try { return ls ? JSON.parse(ls.getItem(k) || 'null') : null; } catch (e) { return null; } } function put(k, v) { try { if (ls) { ls.setItem(k, JSON.stringify(v)); } } catch (e) {} } function cookie(name) { var m = d.cookie.match(new RegExp('(?:^|; )' + name.replace(/[-.]/g, '\\$&') + '=([^;]*)')); return m ? decodeURIComponent(m[1]) : ''; } function consent() { if (A.c === 'none') { return 'yes'; } var v = cookie('cookieyes-consent'); if (!v) { return 'undecided'; } var parts = {}; v.split(',').forEach(function (p) { var i = p.indexOf(':'); if (i > 0) { parts[p.slice(0, i)] = p.slice(i + 1); } }); if (parts[A.cc] === 'yes') { return 'yes'; } return parts.action === 'yes' ? 'no' : 'undecided'; } var ua = navigator.userAgent || ''; var bot = /bot|crawl|spider|slurp|bingpreview|facebookexternalhit|embedly|whatsapp|telegram|slack|discord|headless|phantom|lighthouse|pagespeed|gtmetrix|pingdom|preview/i.test(ua); if (A.hl && /headless/i.test(ua)) { bot = false; } var auto = navigator.webdriver && !A.hl; var pre = d.prerendering || d.visibilityState === 'prerender'; var xc = (A.xc || []).some(function (c) { return (' ' + d.cookie).indexOf(' ' + c) > -1 || d.cookie.indexOf(c) === 0; }); var excluded = !!(A.ex || bot || auto || pre || xc); var forced = {}; var fm = /[?&]ab=([^&#]*)/.exec(location.search); if (fm) { decodeURIComponent(fm[1]).split(',').forEach(function (p) { var q = p.split(':'); if (q.length === 2 && /^\d+$/.test(q[0]) && /^[a-d]$/.test(q[1])) { forced[q[0]] = q[1]; } }); } var c = consent(); var st = A.st = { consent: c, excluded: excluded, preview: !!fm, track: !excluded && !fm && c === 'yes', vid: null, assigned: {}, inTest: {}, onPage: {}, applied: {}, missed: {}, gone: {}, queue: [] }; function newId() { var b = new Uint8Array(16), s = ''; (w.crypto || w.msCrypto).getRandomValues(b); for (var i = 0; i < 16; i++) { s += (b[i] + 256).toString(16).slice(1); } return s; } if (st.track) { st.vid = get('abtt_vid'); if (!/^[a-f0-9]{32}$/.test(st.vid || '')) { st.vid = newId(); put('abtt_vid', st.vid); } } A.forget = function () { ['abtt_vid', 'abtt_as', 'abtt_ex', 'abtt_cv'].forEach(function (k) { try { if (ls) { ls.removeItem(k); } } catch (e) {} }); }; if (c === 'no') { A.forget(); } function hash01(s) { var h = 0x811c9dc5; for (var i = 0; i < s.length; i++) { h ^= s.charCodeAt(i); h = Math.imul(h, 0x01000193); } return (h >>> 0) / 4294967296; } function pick(t, r) { var acc = 0; for (var i = 0; i < t.v.length; i++) { acc += t.sp[i] / 100; if (r < acc) { return t.v[i].k; } } return t.v[t.v.length - 1].k; } function variant(t, k) { for (var i = 0; i < t.v.length; i++) { if (t.v[i].k === k) { return t.v[i]; } } return null; } var saved = get('abtt_as') || {}; var redirect = null; A.t.forEach(function (t) { var on = t.p === path, key; if (t.s === 's') { // stopped, version kept for everyone if (on && t.ty === 'visual' && t.sh) { queue(t, t.sh); } return; } if (t.s === 'p') { // admin preview of a test that isn't running if (on && forced[t.i] && t.ty === 'visual') { queue(t, forced[t.i]); } return; } if (forced[t.i] && variant(t, forced[t.i])) { key = forced[t.i]; } else if (excluded || c === 'no') { key = 'a'; } else if (c === 'yes') { key = saved[t.i] && variant(t, saved[t.i]) ? saved[t.i] : pick(t, hash01(st.vid + ':' + t.i)); if (saved[t.i] !== key) { saved[t.i] = key; put('abtt_as', saved); } st.inTest[t.i] = true; } else if (A.m === 'show' && on && t.ty === 'visual') { key = pick(t, Math.random()); st.inTest[t.i] = true; } else { key = 'a'; } st.assigned[t.i] = key; if (!on) { return; } st.onPage[t.i] = true; if (key === 'a') { return; } var v = variant(t, key); if (t.ty === 'split' && v && v.u && (c === 'yes' || forced[t.i])) { redirect = { t: t, k: key, u: v.u }; } else if (t.ty === 'visual') { queue(t, key); } }); if (redirect) { var to = null; try { to = new URL(redirect.u, location.href); } catch (e) {} if (!to || to.origin !== location.origin || norm(to.pathname) === path) { redirect = null; } } if (redirect) { if (st.track) { var body = JSON.stringify({ id: st.vid, d: deviceOf(), s: '', ev: [{ t: redirect.t.i, v: redirect.k, k: 'x' }] }); try { navigator.sendBeacon(A.r, new Blob([body], { type: 'application/json' })); } catch (e) {} var ex = get('abtt_ex') || {}; ex[redirect.t.i] = redirect.k; put('abtt_ex', ex); } var dest = redirect.u + (redirect.u.indexOf('?') < 0 ? location.search : '') + location.hash; html.style.visibility = 'hidden'; location.replace(dest); return; } function deviceOf() { var x = w.innerWidth || html.clientWidth; return x <= 767 ? 'phone' : (x <= 1024 ? 'tablet' : 'desktop'); } A.deviceOf = deviceOf; function queue(t, key) { var v = variant(t, key); if (!v || !v.e || !v.e.length) { return; } var cls = 'abtt-h' + t.i + key; html.classList.add(cls); st.queue.push({ t: t.i, k: key, cls: cls, left: v.e.slice(), done: 0, bad: 0, total: v.e.length }); } if (!st.queue.length) { return; } function step(final) { var open = 0; st.queue.forEach(function (q) { if (q.finished) { return; } q.left = q.left.filter(function (e) { var el = X.find(d, e.sel); if (!el || !X.complete(el, d)) { return true; } if (e.op === 'move') { var tg = X.find(d, e.target); if (!tg || !X.complete(tg, d)) { return true; } } if (X.apply(e, el, d)) { q.done++; } else { q.bad++; } return false; }); if (!q.left.length || final) { q.finished = true; st.applied[q.t] = q.done; st.missed[q.t] = q.total - q.done; st.gone[q.t] = q.bad + (d.readyState === 'loading' ? 0 : q.left.length); html.classList.remove(q.cls); } else { open++; } }); return open; } var mo = new MutationObserver(function () { if (!step(false)) { mo.disconnect(); } }); mo.observe(html, { childList: true, subtree: true }); d.addEventListener('DOMContentLoaded', function () { step(true); mo.disconnect(); }); setTimeout(function () { if (step(true) === 0) { mo.disconnect(); } }, A.to || 1000); })(window, document); Collective Health: Self Funded Employer Health Benefits

Stop managing benefits in the dark Bring health benefits
into the open.

Collective Health is the leading independent TPA and Care Navigator uniting administration, cost management, and care.

Get a personalized demo

Take an interactive tour

Our unified platform

Independent by choice. Transparent by design.^™

Collective Health is built differently. We connect all the pieces of a self-funded health plan to deliver rigorous and reliable claims administration, a one-stop member front door, and high-touch member advocacy and navigation, including for the most complex care journeys.

3.7%

medical cost trend
over 3 years. ¹

97%

of our revenue comes from
PEPM fees. That’s it.
No hidden fees.²

85%

average Member
Satisfaction score.

$8,400

average savings per
engaged member from Care
Navigation.³

Defy the black box

Hidden costs cost the most.

Health benefits have traditionally operated behind a “black box” — with hidden fees, limited data, and incentives that don’t always serve you or your people. The real problem isn’t just rising costs. It’s not seeing what’s driving them.

An independent partner changes everything.

Take the interactive tour

Who we serve

We put people, from employers and members to consultants and partners, at the heart of all we do.

Employers Health benefits designed to put you and your people first.

Members All your benefits in one place, with a real person when you need one.

Consultants & Brokers A healthcare solution worthy of your clients.

Partners & Health Systems Better healthcare is a team effort.

With Collective Health, you have the flexibility to implement innovative programs and bend the cost curve.

Take an interactive tour

Get a personalized demo

Client stories

Don’t take our word for it

Pinterest See how we reduced Pinterest's member issues by over 70% and freed up time for their benefits team

The Wonderful Company Watch how The Wonderful Company delivers bilingual, concierge-level healthcare support for their people with 84 NPS

Zoom Easily moving to self-funded plans and bringing all benefits into one place for Zoomies

Benefits that work for your employees
— and your bottom line.

Contact sales

Fresh takes on what matters most in health benefits

Latest podcast episodes

Our latest news

¹ This amount is based on general assumptions and average savings across network discounts and Collective Health programs, and is not intended to inform actual budgetary or financial forecasting functions.

² 97% of revenue from PEPM fees. The remaining revenue is from one-time service fees, optional partner operational fees, and program administration fees.

³ Care Navigation ($8,400 per engaged member). Per-year claims cost analysis (2020–2024).

Collective Health