Collective Health
Independent, transparent third-party administrator for self-funded employer health benefits
By Collective Health · 4.2/5 verified-buyer score
Positioning guardrails
Best for
- Self-funded employers with roughly 1,000 to 50,000+ employees
- CFOs and benefits leaders who need visibility into what is driving healthcare cost
- Employers replacing a legacy TPA or a fragmented point-solution benefits stack
- Companies that want one front door for medical, pharmacy, dental and vision
Ideal size: 1,000–50,000+ employees people · Self-funded employer with an in-house benefits/HR team
Not for
- Fully insured small employers buying standard group coverage
- Organizations with no in-house benefits or HR administration function
- Buyers who require published, self-serve pricing before a demo
- Employers who want to keep their current TPA administration unchanged
Value metrics scorecard
Time-to-Value
~6 months (plan-year aligned)
~180 days to first production value
Total Cost of Ownership
$0/yr
Starts at $0 · Custom enterprise quote; no public rate card or PEPM pricing published.
Implementation Friction
4/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
Not published; priced per member/employee rather than per seat.
Add-on costs
- None
Company & support
Who is behind Collective Health, and how your team gets help once it is live.
Company
- Founded
- 2013 · 13 yrs in business
- Headquarters
- Not recorded
How you get support
We haven’t recorded support channels for Collective Health yet. Nothing here means unverified — not absent.
Market position
Where Collective Health sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line.
Companies on the chart 6 / 10
- Collective Health
- Calero
- Eracent
- GEP
- Ivalua
- Restaurant365
Add or change companies
Up to 10 companies including Collective Health. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What Collective Health ships in AI, and what it asks of your ecosystem.
AI features shipped
Homepage describes Collective AI (CAI): a 24/7 AI companion inside My Collective, AI support for Member Advocates, and AI applied to annual enrollment and plan implementation, built on a privacy-by-design framework. No model provider, hosting model, or per-action AI logging/export detail is published.
In your ecosystem
- AI connection
- Not supported
- Model key
- Not recorded
- AI usage audit
- Not recorded
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
Collective Health is an independent third-party administrator (TPA) for self-funded employers, combining plan administration, cost management and member navigation on one platform. Founded in 2013, it covers 800,000+ members in all 50 states and has processed $25B in medical claims. Collective TPA, Navigation & Advocacy, Benefits Hub and Collective AI give benefits teams and CFOs visibility into healthcare spend. Pricing is custom and not published. It holds SOC 2 Type II (attested annually) and HITRUST r2 certification.
Frequently asked questions
What does Collective Health actually do?
It is an independent third-party administrator (TPA) for self-funded employer health plans. It bundles plan administration, cost management, member navigation and advocacy, and a benefits hub that connects medical, pharmacy, dental, vision and 140+ partner programs on one platform. The vendor reports 800,000+ members across all 50 states and $25B in claims processed to date.
How is Collective Health priced?
Pricing is not published. The site offers a demo and contact-sales path only, and no PEPM rate, seat tier or implementation fee is disclosed. Budget for a custom enterprise quote and ask for the PEPM administrative fee, partner program costs and any implementation or conversion charges in writing before committing.
How long does implementation take?
The vendor does not publish an implementation timeline. Because it replaces TPA administration, claims processing, network and member communications, go-live is normally aligned to a plan year, so buyers should plan for roughly six months of lead time and a full annual-enrollment cycle before first production value.
What compliance certifications does Collective Health hold?
Its trust page states it maintains HITRUST Risk-based 2-year (r2) certification covering 270 controls across 19 domains and undergoes an annual SOC 2 Type II attestation. No ISO 27001, FedRAMP, GDPR or HIPAA-specific certification claim appears on the vendor pages reviewed.
Does Collective Health use AI, and how is it governed?
The homepage describes Collective AI (CAI): a 24/7 AI companion in My Collective, AI assistance for Member Advocates, and AI applied to annual enrollment and plan implementation, built on a privacy-by-design framework. The vendor does not state which model provider is used, whether customers can bring their own key, or whether AI actions are logged or exportable.
Who is Collective Health a good fit for?
Self-funded employers, roughly 1,000 to 50,000+ employees, with an in-house benefits or HR function and enough claims volume to justify a TPA migration. It is a poor fit for fully insured small employers, teams with no benefits administration capability, or buyers who need published self-serve pricing.