The old systemhijacked healthcare.We’re giving it back— one secondary marketat a time.
Old contracts you could not read. Rented networks priced for someone else. Reports that arrive too late to help. Vxtra Health builds local independent networks with visible prices, doctors and nurses making the decisions, and one set of live numbers.
5-minute check · No pitch, no pressure · Your data stays yours
Employees Plan designs that reward the right choice
Employers Real-time claims data, not months-late reports
Doctors Independent and employed physicians, paid fairly and fast
Fit Small and midsize companies, fully insured or self-funded
The old way just ran out of places to hide.
Employers can see more, ask better questions, and make a different choice.
Federal law prohibits health plan contracts from restricting access to certain cost and quality data, while Transparency in Coverage rules require specified pricing disclosures. ERISA fiduciaries must also follow a prudent process when overseeing a group health plan. Read the CMS gag-clause guidance and DOL fiduciary guide.
Wendell Potter, a former health insurance executive, now publishes exactly where premium dollars go. The people who ran the old system are the ones explaining it.
Mark Cuban has become the champion of direct contracting, posting physician and hospital prices and their terms online for anyone to read. It’s a movement to cut out the insurance industry’s network margins, and he says the uptake is greatest in secondary markets. Towns like yours.
The information is available. The time to use it is before your next renewal.
The system was never rebuilt.
Old contracts hide the terms. Old networks hide the price. Old reports tell you what happened months after it did. Here is one example: the same hospital, the same procedure, two different deals.
Their price
The insurance company’s own business
When a big carrier negotiates for itself, it demands the hospital’s best rate and gets it. Their claims run through their code, at their number.
Your price
The network they rent to you
The plan your company pays for leases that same network at a higher number, with exception clauses stacked on top. A routine hospital admission can become the bill that wrecks your claims budget, and the contract that explains it is not yours to read.
If you cannot read the contract or see the price, you cannot manage either one. So we stopped renting the old system and built a local one.
Start with the agreement you already have.
See what a contract analysis looks forThe anti-health insurance company.
We build local independent networks in secondary markets, town by town. The terms are visible, the incentives are clear, and the commitments are in writing:
Direct
Your company and your town's doctors contract with each other. No rented network in the middle.
Transparent
Real prices, disclosed to you. No spread pricing, no hidden fees, no gag clauses, no second set of numbers.
Local
The doctors, nurses, and facilities your employees already know and trust, right across the street.
Prompt and fair
Clean claims paid fast. Doctors treated like partners, because they are.
Auditable
Your claims data is yours by law. We hand it over usable, not buried in a report.
“The difference between your town and the big city was never the quality of the doctors or the commitment of the employers. It’s the organization of the market. We organize it.”Larry Hightower, Co-Founder and CEO
We’ve sat in your chair. All of them.
Thirty-plus years on every side of healthcare: delivering care, paying for it, and building the companies in between. We know how the old system works. That’s why we left it.
Larry Hightower
Co-Founder and CEO, Vxtra Health
Larry has spent more than 30 years on every side of healthcare. After a career bringing medical innovation to market, in 2005 he founded a national firm that provided health benefits for large independent physician practices in 24 states. He sold it in 2023 to a national, PE-backed roll-up and, instead of retiring, reinvested everything to develop Vxtra Health, a transparent, physician-led health plan for middle-market employers in the towns the big carriers ignore.
The same claim, seven months apart.
Both stories start with the same symptom, in the same week. The only difference is who’s watching the data: nurses at the top of their license who know your town’s doctors by name, not a call center with a script.
The old way
With Vxtra
Three steps to a plan you can defend.
Get your free contract analysis
We read your contracts and your numbers, and show you in plain dollars what the old way is costing your company.
See your town’s network
Meet the physicians, the real prices, and the plan design built for your market.
Switch, and see everything
Your data live, your costs visible, your people cared for by doctors who know their names.
A health insurance company vs. the anti-health insurance company.
Same industry. Different architecture: a local network, visible terms, and one view of the data.
A health insurance company
- Rents you a network priced and managed in its own favor
- Contracts you're not allowed to read
- Claims data months late, pharmacy somewhere else
- A call center decides what your doctor can do
- Plan designs that punish the sick
- Profits when the numbers stay hidden
Vxtra Health
- Builds your town its own independent network
- Contracts anyone can read
- One set of live numbers, medical and pharmacy together
- Your doctor decides. That's it.
- Plan designs that reward the right choice
- Succeeds when your costs fall
Built for your town, on purpose.
Big cities have buying power because their markets are organized. We do the same for secondary markets: employers, physicians, and brokers at one table, with one set of transparent numbers.
On your own, you are a client. Together, you are a market.
Modern infrastructure. Doctors and nurses still make the decisions.
The platform spots what changed. People decide what happens next.
The platform sees the signal
Medical, pharmacy, and hospital data in one place.
A nurse steps in
A real person turns the signal into the next right step.
Your doctor leads the care
Care decisions stay connected to the clinical team.
Every outcome gives the network a clearer view of what is working.
The right care, at the right place, at the right price, at the right time.
“We didn’t know” is not a defense anymore.
The compounding you’ve already absorbed
Your renewal number isn’t this year’s price. It’s every hidden markup from every past year, baked into the baseline. And every increase from here gets calculated on top of that inflated number, not the fair one.
So waiting doesn’t hold your place. It compounds. A $3 million premium growing at a hypothetical 9 to 12 percent a year reaches about $4.2 to $4.7 million in year five. In that illustration, the increases along the way add roughly $2 to $4 million in cumulative new cost. This is scenario math, not a forecast or savings promise. The sooner the baseline gets reviewed, the less future increases have to compound.
Illustrative scenario only: a $3 million annual premium compounded at 9 to 12 percent per year. Values are rounded and do not predict any employer’s renewal, costs, or savings.
ERISA fiduciary duties apply to both retirement and group health plans, although the governing rules and plan facts differ. For health plans, the Department of Labor emphasizes prudent decision-making, monitoring service providers, and acting in participants’ interests. Read the DOL group health plan guide.
Renewal timing varies by contract and market. Starting early gives your team more time to compare terms, request data, ask questions, and document the decision before a signature is due.
Federal rules protect access to specified cost and quality information, while ERISA fiduciary duties depend on a person’s authority and actions. A documented review helps show how plan decisions were evaluated; qualified counsel can advise how those duties apply to your plan.
If you can’t show you watched the numbers, you’re overpaying and exposed at the same time.
Your town already generates the data. Let’s put it to work.
Start with your contracts and plan documents. We’ll show you, in plain dollars, what a transparent local network could change for your costs, your decisions, and your people.
5-minute check · No pitch, no pressure · Your data stays yours
Or email us directly at info@vxtrahealth.com