Cash-based solutions beat network rates by 25% or more.

We built the rails to act on it.

See the savings opportunities in your area

Posted cash rates supplemented by targeted specialty arrangements. Analysis of provider machine-readable files, market-level.

The problem

Health plans are
unaffordable by design.

Not by accident, and not for lack of data. The incentives of everyone in the chain point away from the plan.

UnNetwork is changing the design

Rails for better healthcare.

We are the infrastructure on top of which brokers and employers build no-friction, cash-pay plans. Not another vendor.

  • We are not a carrier. We own no network and no vendor relationships to steer your members toward.
  • Cash rates are mandated by regulation and are accessible to all.
  • Hospitals have multiple price lists. Some of the lowest prices are in the cash-pay price list.
  • Vendors also offer cash-based discounts (e.g., specialty pharmacy, imaging).

We have two principles that serve the same purpose: getting every member to quality providers at the lowest cash price.

Prompt cash-pay, no strings

  • We pay cash prices fast, earning a further discount.
  • We own no network or vendors — nothing to steer members toward.
  • We see the quality and cost of every provider who could treat them.

No friction, real incentives

  • We direct members to the best option before care.
  • We arrange the lowest possible out-of-pocket cost.
  • We handle payments and any bills that show up later.

Lower cost and higher quality

Every member is routed to the highest-quality provider at the lowest cash price — automatically, without ever having to shop for it themselves.

See How It Works Request a Demo

We slot into your plan. Nothing gets ripped out.

We add two layers. Everything else stays where it is.

We add You keep

Don't be un-decided. Go Un-Network.

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The employer buys it. The member hardly has to think about it. That's it.

Benefits distribution partner

The more I sit with it, the more convinced I am that UnNetwork is solving the real problem in this market — not another point solution competing for a line item, but the incentive-alignment layer employer healthcare has been missing. That's a rare thing to build, and it's exactly the kind of company I want to be closely involved with.

Benefits distribution partner

Request a Demo

Two components. One outcome: care that costs less and asks almost nothing of the member.

The UnlockHealth Card + Proactive Concierge

Healthcare with NO effort:

  • No copays or deductibles. The employer funds the incentive, making this the cheapest path to care for the member.
  • No going it alone. Personalized coordination that anticipates problems and costly decisions before they arrive.
  • No portals or apps. One access point and a concierge who reaches out first.
  • No shopping, no balance bills. We direct members to better care and handle the procurement ourselves.

Visa-powered card managed by our team and agentic AI.

The UnlockHealth card — a Visa-powered concierge card issued to plan members

Cash-Pay Infrastructure

When a medical need arises we see every option and its cash-pay cost, how good each provider is, and how often they treat unnecessarily. Then we guide the member and clear the path to act.

  • MRFs & claims: cash prices in machine-readable files plus comprehensive commercial claims data.
  • Targeted agreements: optimized cash prices negotiated directly through custom, ad-hoc provider arrangements.
  • Top vendors: direct cash rates from leading national vendors for imaging, infusion, specialty pharma, and labs.
  • Care quality: data on appropriateness of care and elimination of wasteful procedures.

The highest-cost cases are where our impact is greatest — and where everyone else arrives too late.

High-cost cases are unpredictable. Only

21%

persist year over year

Last year's claims say little about next year's costs. Targeting yesterday's high-cost members is targeting the wrong four out of five.

We engage early using predictive modeling — before the expensive decision (a hospitalization, an injection) is finalized.
We build trust first, so the guidance lands when it matters.
We offer concrete guidance — available, local, high-quality, priced right. Not shopping advice.

What actually happens, step by step.

No app to download, no portal to enroll in.

Watch the member journey animations

01

We engage

  • The member uses the card
  • A prior authorization is approved
  • The member simply asks
  • A direct primary care signal comes through the API

02

We guide

  • How good each provider actually is
  • How often they treat unnecessarily
  • The lowest out-of-pocket cost available
  • Convenience, location, and availability

03

We procure

  • We handle payment, surprise bills, and paperwork
  • We state the out-of-pocket cost up front
  • Reachable by phone or the QR code on the card

04

We follow up

  • We monitor the card, the bills, and the vendors
  • We reach out before problems occur, not after
  • We coordinate additional services

The math works. Let's run it on your plan.

Request a Demo

The economics

We win when you save.

Base fee Small PEPM
Performance fee Small transaction fee, only when the employer saves
Embedded commissions None
Kickbacks from vendors or networks None
Undisclosed conflicts of interest None

Compare that to a point solution charging high PEPM regardless of uptake. If nobody engages, they still get paid. We do not.

The Consolidated Appropriations Act made plan-transparency duties explicit, and ERISA fee suits are accelerating. UnNetwork is conflict-free by construction, not by policy.

On fiduciary duty: Plan sponsors have a legal obligation to act in the interest of plan participants. That obligation does not disappear because the TPA or broker absorbs the complexity.

Self-funding, with and without UnNetwork.

Self-funding today Self-funding with UnNetwork
Employer pays network access fees; pharmacy often cannot be unbundled Network optional. Cash discounts. Unbundled PBM.
Employer or broker selects, monitors, and markets vendors to members Care and payments coordinated by the concierge; members do not self-manage the process
Broker chases data to configure, renew, and manage the plan Broker gets real-time data to configure, renew, and manage the plan
Employer funds all claims, including above the attachment point, then requests reimbursement Integrated stop-loss coordination so the carrier funds providers directly during a large event, capturing cash-payment discounts on the biggest claims Roadmap

Swipe to see the rest →

See by how much you can reduce your overspend.

A retrospective, automated analysis of your claims data. We estimate the savings potential for your region, then show where every dollar of it comes from.

Sample output
Original PMPY $4,878
Final PMPY $3,259
Savings PMPY $1,618
Savings 33.2%
0 1,000 2,000 3,000 4,000 5,000 PMPY cost Final $3,259 $4,878 −$416 −$219 −$186 −$711 −$87 Original Cash-pay Vendor(default) Vendor selection Provider selection(cost savings) Provider selection(unnecessarycare avoided)

Median clinical quality score higher is better

Before steerage46
After steerage75

Median provider waste score lower is better

Before steerage18
After steerage2
Illustrative analysis, not a client result. Each step shows where the saving comes from (cash rates, vendor selection, steering to higher-quality providers) and what happens to care quality and waste.

Get a free analysis of your plan.

Send us a work email and we'll come back within one business day to set up the claims analysis. Available through your broker, TPA, captive manager, or directly with us.

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Expect a note within one business day to schedule your analysis.