The Confidence Gap in Healthcare Decision-Making

According to Peter Atwater, confidence exists at the intersection of certainty and control. When plan sponsors face ambiguous data, hidden vendor incentives, and convoluted contracts, they fall into the "confidence void"—where trust breaks down and costly inaction follows.

Common signs of the confidence void:

Inability to verify vendor performance
Lack of clarity on rebates, fees, or carve-outs
Conflicting language between SPDs, ASAs, and stop-loss policies
Unclear fiduciary accountability

Behavioral economics shows that under such conditions, leaders default to status quo behaviors, delay decisions, or rely on vendor-provided reports they can’t validate.

AiQ: Turning Complexity into Confidence

AiQ was built to resolve this crisis of trust. At its core, AiQ is a truth engine that converts hidden complexity into structured clarity and action.

Key Features

1. Ground-Truth Extraction
AiQ ingests every document in the plan ecosystem—from PBM contracts and SPDs to stop-loss policies and ASAs—and converts them into structured, searchable data.

2. Intelligent Risk Flagging
Through proprietary AI models, AiQ identifies high-risk provisions, such as:

Lasering clauses
Rebate retention restrictions
Cost-shifting practices in home delivery
Gag clauses or limited audit rights

3. Behavioral Insight Mapping
AiQ connects contract language with real-world plan behavior, surfacing misaligned incentives, member impact trends, and regulatory exposure.

4. Prescription Engine
Flagged risks come with corrective options—model clauses, benchmark comparisons, or actionable questions to raise with vendors.

5. Closed-Loop Accountability
Every insight is tracked through to resolution. AiQ shows who took action, when, and what changed. This builds organizational memory and enforces fiduciary oversight

From Insights to Cures to Accountability

Too many platforms stop at “insight.” But as behavioral science shows, knowing isn’t doing. Inertia is powerful—especially in low-confidence environments. AiQ addresses this by embedding action pathways directly into the analysis. Risk flagged in a PBM agreement? We surface model clauses. Rising cost cohort? We trace it back to benefit design and offer corrective levers. We don’t just alert, prescribe and account so you can regain agency over your health plan.

Whether it’s benchmarking share savings passthrough rates, tracking out-of-policy claim approvals, or reconciling admin fees to services rendered, AiQ empowers employers to ask the right questions—and back them with undeniable evidence. The result isn’t just better oversight. It is the restored belief in the value of oversight itself.

This creates a closed-loop system of trust restoring the most important variable of all - agency. When people feel they can see, understand, and change the system they operate in, confidence returns.

Why This Matters Right Now

Rising healthcare costs, tighter regulations, and employee dissatisfaction are pressuring plan sponsors like never before. But tools built for vendor management or benefits administration haven’t evolved to solve the root issue: lack of trustworthy, actionable information.

AiQ is not just a data platform. It’s a confidence platform. It restores employers’ ability to:

Know what’s in their contracts

Identify misaligned financial incentives

Align plan documents with regulatory obligations

Act decisively and defensibly

Conclusion

In a system designed to protect complexity, AiQ is designed to protect you. By transforming hidden complexity into clear decisions, AiQ empowers leaders to manage with precision, act with integrity, and lead with confidence.

Clarity is power. AiQ delivers both.

Restoring Confidence, Control, and Accountability in Employer Health Plans