Collective Health is a TPA platform for self-insured employers combining benefits administration, claims and member navigation. See pricing, features and FAQs.
Category
HR
Pricing
Custom, quote-based enterprise pricing tied to employer group size, plan design and module selection, typically structured as a medical plan administration fee plus network access fees and optional add-on modules; there is no self-serve checkout or published price list, from Not publicly disclosed - custom enterprise quote required
Verified
Not yet
Last updated
July 19, 2026
Founded
2013
Headquarters
San Francisco, California, United States
How Collective Health Works
Collective Health operates as a third party administrator, meaning it does not underwrite insurance risk itself. Instead, an employer selects its own provider network and stop-loss insurance, and Collective Health's software and services layer handles enrollment, eligibility, claims processing, billing and member communications on top of that arrangement.
This TPA model is aimed specifically at self-insured employers, who pay for employee medical claims directly (often with stop-loss protection against catastrophic costs) rather than paying fixed premiums to a fully-insured carrier. Self-insurance gives employers more visibility into and control over their healthcare spend, and Collective Health's platform is built to make that added administrative complexity manageable.
Who Uses Collective Health
Collective Health primarily serves mid-market and large US employers that are self-insured or transitioning to a self-insured model. Publicly referenced clients include Uber, Zoom, Red Bull, Live Nation, Boot Barn and Driscoll's.
Within a client organization, the platform has two audiences: HR and benefits leaders who configure plan design, monitor cost and utilization analytics, and manage compliance tasks such as COBRA, and covered employees who use the consumer app to check claims, find providers and get help from a dedicated Care Team.
Pricing and Implementation
Collective Health does not publish list pricing. Costs are generally structured around a per-employee-per-month plan administration fee plus network access fees, with optional platform modules and Partner Collective point solutions priced separately.
Because the platform integrates plan design, a chosen network, stop-loss arrangements and (optionally) multiple point-solution vendors, implementation for a new employer group is a multi-step process that commonly takes several months and involves the employer's HR/benefits team, broker and Collective Health's implementation staff.
Key Features
Unified benefits administration — A single system handles enrollment, eligibility and administration for medical, dental, vision and pharmacy benefits instead of separate vendor portals.
Claims processing and adjudication — Collective Health processes and adjudicates medical claims for self-insured employer plans, with internally reported accuracy above 99.9 percent in 2024 audits.
Member navigation and Care Team — A dedicated support team helps covered employees find in-network providers, resolve billing disputes and understand their benefits.
Consumer app and web portal — Employees can view digital ID cards, track claims and deductibles, and message support directly from a mobile app or web portal.
Partner Collective point-solution marketplace — Access to more than 140 vetted third-party clinical and wellness vendors across categories like mental health and musculoskeletal care, contracted through Collective Health.
Employer analytics and reporting — Dashboards give HR and benefits leaders visibility into cost trends, utilization patterns and plan performance.
Stop-loss and network coordination — The platform helps employers coordinate their chosen provider network and stop-loss insurance with day-to-day plan administration.
Compliance and COBRA administration — Built-in tools support COBRA administration and other benefits compliance requirements for self-insured employers.
Pros & Cons
Pros
Single integrated platform reduces the need to manage several separate vendor portals for benefits administration
Dedicated Care Team support reduces the day-to-day benefits support burden on internal HR staff
Broad Partner Collective ecosystem gives access to specialized point solutions without negotiating separate contracts
Detailed cost and utilization analytics help self-insured employers actively manage financial risk
High internally-reported claims processing accuracy
Established track record with large, recognizable enterprise clients
Cons
Pricing is not published, requiring a sales conversation before employers can compare costs
Built specifically for self-insured employers, so fully-insured small businesses are generally not a fit
Implementation for a new employer group can take several months
Limited public information on how pricing changes year over year at renewal
US-only focus with no disclosed support for international or multi-country benefits
Outcomes depend heavily on the employer's own plan design choices, so results vary by group
Frequently Asked Questions
What is Collective Health?
Collective Health is a technology company that acts as a third party administrator (TPA) for self-insured US employers, handling benefits administration, claims processing and member navigation on one platform.
Is Collective Health an insurance company?
No. Collective Health does not underwrite insurance risk. It administers benefits on top of a network and stop-loss coverage that the employer selects separately.
Which companies use Collective Health?
Publicly referenced clients include Uber, Zoom, Red Bull, Live Nation, Boot Barn and Driscoll's, among other mid-market and large self-insured employers.
How much does Collective Health cost?
Pricing is not publicly disclosed. Costs are quoted per employer group based on size, plan design and selected modules.
Can employees sign up for Collective Health directly?
No. Collective Health is sold to employers as a B2B platform; individual employees get access only through an employer's benefits program.
What is the Partner Collective?
It is Collective Health's marketplace of more than 140 vetted third-party clinical and wellness point solutions that employers can add to their benefits program.
Is Collective Health only for large employers?
It is primarily built for mid-market and large self-insured employers; very small or fully-insured businesses typically are not the target market.