Health insurancecompanies answerto Wall Street. Yourhealth plan shouldanswer to your town.
Vxtra Health is the anti-health insurance company. Our mission is to build local independent networks in secondary markets: contracts everyone can read, local doctors making the decisions, and prices that are the prices. No rented network. No secret second set of 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.
Three things changed at once, and together they opened a door your town has never had.
Federal law banned the gag clauses that hid your data, and the Transparency in Coverage rules become enforceable January 1, 2027. Plan sponsors now carry the same duty of care they carry on a 401(k).
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 is signing direct contracts with health systems and posting them online for anyone to read. And he says the model is taking hold fastest in smaller markets. Towns like yours.
The door is open. The question is whether your town walks through it before your next renewal.
Health insurance companies have hijacked healthcare.
They keep doctors and nurses from doing what they do best, and patients from getting what they need when they need it. It’s just unacceptable. Here’s one example nobody shows you at renewal: the same hospital, the same procedure, two very 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. Your claims run at a higher number, with exception clauses stacked on top, so a routine visit can become the bill that wrecks your year. The contract that explains it? You’re not allowed to see it.
Follow the money. The first check leaves your payroll and goes to the plan, and the people holding it earn more when the numbers stay hidden. So we stopped renting their system and built our own.
The anti-health insurance company.
Our mission is to build local independent networks in secondary markets, town by town, on terms anyone can defend in daylight. Five commitments, 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 exactly 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: bringing medical innovation to market, serving large independent physician practices, and building the benefits company Vxtra Partners, which he founded in 2005 and sold in 2023. Instead of retiring, he reinvested everything to build Vxtra Health, a transparent, physician-led plan for 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.
This is a platform decision, not a product decision. A flip phone and an iPhone both make calls. Only one of them runs everything.
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 always had buying power your town never had, because no one organized the local market. We organize it: employers, physicians, and brokers at one table, with one set of transparent numbers.
Not small towns. The right size: big enough for real infrastructure, small enough that people still know each other’s names.
A modern, AI-first platform. People at the heart of getting it right.
The technology tells us what happened. People help us understand why.
AI sees the signal
Medical, pharmacy, and hospitals together in real time.
A nurse who knows your name steps in
At the top of their license, not a call center with a script. They are there for you every step of the way to make sure you get to the right care.
Your doctor decides
Care decisions happen in the exam room. Never a cubicle three states away.
Every outcome feeds back into the platform, so the whole town’s plan gets smarter.
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 (source: illustrative scenario, Aug 21 planning session) growing at the 9 to 12 percent annual increases carriers are projecting reaches $4.2 to $4.7 million a year by year five (source: compounding math on that same scenario), and the increases along the way add roughly $2 to $4 million in cumulative new cost. The sooner the baseline gets fixed, the less every future year costs.
Illustration: $3M annual premium compounding at 9 to 12 percent per year (source: carrier renewal projections discussed in the Aug 21 planning session; confirm published source before this ships). Chart values source: Aug 21 planning scenario.
Brokers once sold employers whatever retirement funds paid the broker the most. Nobody could see the fees. Then the fiduciary standard arrived, and the fines and lawsuits followed. That same standard has now reached health plans. The employers who got ahead of it back then barely felt it. The ones who waited paid for it.
Carriers are projecting some of their steepest increases in years [TK: confirm figure and source before publish], and by law the letter can arrive just 60 days before renewal. Not enough time to shop. Unless you already started.
The data is yours by law, and regulators now expect you to use it. If you can’t show you watched the numbers, the exposure is yours, your CFO’s, and your board’s.
If you can’t show you watched the numbers, you’re overpaying and exposed at the same time.
Your town has the data. It just needs somewhere to go.
Tell us about your plan and we’ll show you, in plain dollars, what an independent transparent network changes for your costs, your compliance, and your people.
5-minute check · No pitch, no pressure · Your data stays yours
Or email us directly at info@vxtrahealth.com