Actuarial · Fractional CFO · Health Care Auditing

There's a benchmark behind every healthcare bill. Most employers have never seen theirs.

Medicare is the yardstick every hospital price is measured against. US Risk Group benchmarks your medical claims against it — on your own data — and shows you a number no one has shown you before. Then we fix it with Cost-Plus Pricing.

Priced against the benchmark

Most employer plans2.5–3×
Cost-Plus1.5×
Medicare (benchmark)

Medicare = 1×. It's the S&P of hospital pricing — the yardstick every rate is measured against.

Ask Yourself

Where does your health plan really stand?

Zero visibility into your plan costs?
No transparency into your claims?
No control over your future — health benefits are often the biggest unhedged financial risk in your business.
Want more control — and to save ~25% on employee premiums annually?
Ready for a seat at the table — instead of the back of the bus?

If any of these hit home, you're exactly who we built this for.

Transparency

See where every dollar actually goes. If you don't have access to your claim data today, there's a reason — and there's a better way.

Control

Stop being a price-taker. Cost-Plus Pricing sets a fair, defined margin above actual cost — you choose your own risk instead of absorbing someone else's.

Peace of Mind

Minimal employee disruption. Your people keep a familiar, top-five provider's card and a staffed support line — while the plan underneath costs dramatically less to run.

Why This Matters

Medical claims are the largest — and least examined — line item in your plan.

Hospitals lose an average of 18% on each dollar of Medicare, and they recover it by charging the commercial market a multiple of Medicare rates. Most employers absorb the increase every year with a shrug, because no one has ever opened the box.

We open it. We benchmark your claims, price your plan on Cost-Plus terms, and audit every dollar — so you finally see, and control, your true cost of care.

~254%

of Medicare — what traditional PPOs pay nationally

~25%

typical annual savings on employee premiums

99%

success rate executing pre-negotiated rates in 2025

See the number no one has shown you.

No pressure, no obligation — just your claims, benchmarked against Medicare.