The Report You've Never Seen: Who Really Owns Your Claims Data

Your company pays a million dollars a year into a health plan. Now ask to see where the money went. You can't. The claims report, the one document that explains every renewal increase, is treated as the carrier's property. You fund it. You just can't read it. No other vendor on Earth gets away with that. And here's the part they don't say out loud. The less you see, the more they keep. Meanwhile, the cost rolls downhill, into renewals, into paychecks, into the pockets of the very people the plan was supposed to protect. Self-funded employers own every claim line, every lever. Sunlight is a strategy. I asked to see my own claims, and it changed everything. I'm Paul H. Flowers Jr.