# Handl Health

> Handl Health is a parallel intelligence platform for self-funded health plans. It turns U.S. healthcare price transparency data (machine-readable files published under the Transparency in Coverage rule) into provider rate benchmarking, health plan design, plan activation, and in-year plan monitoring tools for benefits consultants (brokers), payers (carriers), third-party administrators (TPAs), and self-funded employers.

Key facts about Handl Health:

- Handl Health's AHP (alternative health plan) product suite covers the full self-funded plan lifecycle with five products: Network Analytics, Benefit Design, Dynamic Copay Plans, Member Navigation, and Network Monitoring.
- Handl Health has completed a SOC 2 security audit and raised a $14M Series A (following a $2.5M seed round) to reform healthcare access and affordability in the United States.
- Handl Health is headquartered in Culver City, California. Book a demo at https://handlhealth.com/schedule-a-demo or use the contact form at https://handlhealth.com/contact-us.

## Products

- [Network Analytics](https://handlhealth.com/products/network-analytics): Employee health plan analytics — provider rate benchmarking and payer comparison to uncover wasted plan spend, backed by healthcare price transparency analysis.
- [Benefit Design](https://handlhealth.com/products/design): Benefit design to reduce healthcare costs — design benefits that lower plan costs by steering members to high-value providers, with in-depth claims repricing and member disruption analysis.
- [Dynamic Copay Plans](https://handlhealth.com/products/dynamic-copay-plans): Deploy and scale custom health plans — design and activate a variable copay plan that delivers high-value care options for episodic care with a single member copay and single bill.
- [Member Navigation](https://handlhealth.com/products/member-navigation): App-based care steerage toward high-value providers through an intuitive app for a simpler member experience on dynamic copay plans.
- [Network Monitoring](https://handlhealth.com/products/monitor): Health plan fiduciary defense — track health plan performance during the year, implementing adjustments to contain healthcare costs and meet fiduciary obligations.

## Solutions by audience

- [Platform overview](https://handlhealth.com/solutions): From healthcare data analytics and claims repricing to plan activation and monitoring, Handl supports the entire self-funded plan lifecycle.
- [For Benefits Consultants](https://handlhealth.com/solutions/consultants): Contain healthcare costs through negotiated rate comparison and benchmarking, high-cost claim analytics, and plan design with provider tiering.
- [For Payers and TPAs](https://handlhealth.com/solutions/payersandTPAs): Everything from price transparency data network analysis for prospecting or plan renewal to alternative health plan design and implementation.
- [For Self-Funded Employers](https://handlhealth.com/solutions/employers): Benchmark plan costs, validate compliance, and make benefit design decisions with real data — not guesswork.

## Company

- [Home](https://handlhealth.com/): Price transparency and plan design tools for self-funded health plan comparisons and enhanced employee benefits strategies.
- [About](https://handlhealth.com/about-us): Handl's mission is to help employers deliver affordable health plans, driving down costs and ensuring employees can access the care they need.
- [Press & media](https://handlhealth.com/press-and-media): Articles and podcasts featuring Handl Health leaders discussing how to increase high-value care in employer-sponsored healthcare.
- [Careers](https://handlhealth.com/careers): Join the healthcare startup using price transparency data to shift how employer-sponsored health plans are built, managed, and monitored.
- [Book a demo](https://handlhealth.com/schedule-a-demo): Book a personalized walkthrough of the AHP intelligence platform.

## Blog

Healthcare cost data, price transparency regulation analysis, and thought leadership from the Handl Health team.

- [The question I could never answer as a broker](https://handlhealth.com/post/the-question-i-could-never-answer-as-a-broker): Justin Cross explains how usable pricing data and dynamic copays can help employers and brokers understand healthcare costs before the claims arrive. (September 10, 2026)
- [Ahmed Marmoush joins "Claims Denied" to discuss the death of cost shifting](https://handlhealth.com/post/ahmed-marmoush-joins-hospitalogy-to-discuss-the-death-of-cost-shifting): Handl Health co-founder and CEO Ahmed Marmoush joins Hospitalogy to discuss the future of employer-sponsored insurance and why traditional cost shifting has reached its limits. (September 7, 2026)
- [New guide: How confident are you in your healthcare pricing data?](https://handlhealth.com/post/how-confident-are-you-in-your-healthcare-pricing-data): A new Handl Health guide examines why published healthcare rates need context before they can support real decisions. (September 1, 2026)
- [Transparency in Coverage Data: Know Your Precise Numbers and Take Control of This Year's Renewal](https://handlhealth.com/post/transparency-in-coverage-data-know-your-precise-numbers-and-take-control-of-this-years-renewal): Join Handl Health for an educational session on using Transparency in Coverage data to understand precise plan costs and take control of this year's renewal. (August 24, 2026)
- [Ria Shah joins BUILDERS to discuss finding the right buyer](https://handlhealth.com/post/ria-shah-joins-builders-to-discuss-finding-the-right-buyer): Handl Health co-founder and CPO Ria Shah joined BUILDERS to discuss the company’s path from consumer price transparency to broker-led plan design. (August 24, 2026)
- [The next step for consumer price transparency](https://handlhealth.com/post/the-next-step-for-consumer-price-transparency): The one we’re following most closely at Handl Health is the new consumer/medical price transparency pledge. (August 21, 2026)
- [Putting the teacher hat back on](https://handlhealth.com/post/putting-the-teacher-hat-back-on): For almost 20 years at Kelly Benefits, the days I felt best about my work were the ones where I helped someone learn or grow. (August 11, 2026)
- [Supporting the full promise of healthcare price transparency](https://handlhealth.com/post/supporting-the-full-promise-of-healthcare-price-transparency): Today I'm sitting down with Patient Rights Advocate and peers from across health tech, provider organizations and HHS for a roundtable on machine-readable files, the pricing data mandated under the Transparency in Coverage rule. (August 5, 2026)
- [Can AI reduce costs and improve patient care?](https://handlhealth.com/post/can-ai-reduce-ai-reduce-costs-and-improve-patient-care): Every company across every industry should be thinking about where AI should sit in their operations. But healthcare is an industry that's so deeply personal for people that you can't just “AI everything.” (August 4, 2026)
- [Healthcare market reform starts with education](https://handlhealth.com/post/healthcare-market-reform-starts-with-education): Employers need to understand what is at stake, what is possible and how to become smarter consumers of the healthcare system. (July 1, 2026)
- [Handl Health adds Justin Cross as SVP of employer solutions](https://handlhealth.com/post/handl-health-adds-justin-cross-as-svp-of-employer-solutions): Handl Health has added industry veteran Justin Cross in the newly created role of senior vice president, employer solutions. (August 11, 2026)
- [How Handl delivers parallel intelligence for self-funded health plans](https://handlhealth.com/post/how-handl-delivers-parallel-intelligence-for-self-funded-health-plans): Handl Health is a parallel intelligence platform for self-funded health plans. How does that work? (July 1, 2026)
- [Healthcare cost intelligence tools are useless without strong customer support](https://handlhealth.com/post/healthcare-cost-intelligence-tools-are-useless-without-strong-customer-support): Our goal at Handl Health is to improve the quality of U.S. health insurance by promoting low-cost, high value care options while improving overall accessibility. (June 18, 2026)
- [Will MRF law compliance lead to healthcare cost containment and lower employer spend?](https://handlhealth.com/post/will-mrf-law-compliance-lead-to-healthcare-cost-containment-and-lower-employer-spend): The second week of June was a busy one for healthcare price transparency. (June 17, 2026)
- [Healthcare price transparency needs usable data, not just compliance](https://handlhealth.com/post/healthcare-price-transparency-needs-usable-data-not-just-compliance): Compliance with healthcare price transparency requirements is welcome, but real pricing change also requires complete, stable and usable data. (June 16, 2026)
- [Atlanta hospital price comparison shows wide medical fee disparity](https://handlhealth.com/post/atlanta-hospital-price-comparison-shows-wide-ranges): Everyone knows healthcare costs are rising, but it's useful to drill down into the hospital price data to see the true variability in hospital fees. (June 10, 2026)
- [Broker discussions prove demand growing for custom alternative health plan designs](https://handlhealth.com/post/broker-discussions-prove-demand-growing-for-custom-alternative-health-plan-designs): At a conference late last month, I witnessed a trend we’ve been preparing for: For the first time, presenters on the mainstage were discussing the importance of self-funded alternative health plans. (June 9, 2026)
- [Can we responsibly use AI in health tech?](https://handlhealth.com/post/can-we-responsibly-use-ai-in-health-tech): I’ve always believed that healthcare is a human right. Everyone deserves access to affordable, high-value and personalized healthcare. In the U.S., that may have been a dream even as… (May 15, 2026)
- [MRF data quality varies widely in healthcare price transparency](https://handlhealth.com/post/mrf-data-quality-varies-widely-in-healthcare-price-transparency): Machine-readable files are not a monolith. Published data varies in quality, completeness and fidelity—and not every file can support real decisions. (May 13, 2026)
- [Why is self-funded healthcare plan network evaluation important?](https://handlhealth.com/post/why-is-self-funded-healthcare-plan-network-evaluation-important): Carrier negotiated rates are increasing across the board and have been for a while; that's no secret. (May 6, 2026)
- [How does healthcare pricing data move the industry forward?](https://handlhealth.com/post/how-does-healthcare-pricing-data-move-the-industry-forward): In healthcare, being technically sound isn't good enough: Domain knowledge is crucial. Sean Trainor, Handl Health’s lead data analyst, learned that lesson early on in his career. (April 28, 2026)
- [Handl Health CEO is reimagining the future of health plans](https://handlhealth.com/post/handl-health-ceo-is-reimagining-health-plans-from-the-ground-up): At the end of his podcast conversation with Crumdale Specialty’s Matt Naylor, the CEO of Handl lays out his North Star. Ahmed Marmoush had already told him that he’s in the industry… (April 22, 2026)
- [Healthcare pricing MRFs are the foundation of predictive intelligence](https://handlhealth.com/post/healthcare-pricing-mrfs-are-the-foundation-of-predictive-intelligence): To bend the healthcare cost curve, brokers and employers need to embrace predictive intelligence and proactive decision-making. (April 16, 2026)
- [Handl Health CEO talks employer-funded healthcare, non-traditional plans and how to bend the insurance cost curve](https://handlhealth.com/post/handl-health-ceo-talks-employer-funded-healthcare): Ahmed Marmoush is the CEO of Handl Health, a technology platform transforming how health plans are evaluated, designed and managed. By unifying healthcare pricing, utilization, benefit… (April 14, 2026)
- [Why does Handl Health exist?](https://handlhealth.com/post/why-does-handl-health-exist): The healthcare industry has become increasingly expensive. It’s difficult to navigate and can be hard to access. Patients are frustrated. (April 2, 2026)
- [Handl Health provides carriers, TPAs with end-to-end platform to create alternative health plans](https://handlhealth.com/post/platform-to-create-alternative-health-plans): LOS ANGELES March 31, 2026 – Handl Health, a technology platform powering the design of employer-sponsored health insurance, has expanded its platform capabilities to meet growing… (March 30, 2026)
- [Handl Health completes SOC 2 security audit](https://handlhealth.com/post/handl-health-completes-soc-2-security-audit): Handl Health, a technology platform powering the design of employer-sponsored health insurance that reduces costs while improving patient care, has successfully completed its SOC 2… (March 9, 2026)
- [How can brokers prepare for healthcare plan renewal season?](https://handlhealth.com/post/how-can-brokers-prepare-for-healthcare-plan-renewal-season): In the spring, healthcare plan renewal season seems so far off in the distance. But a little bit of advance preparation goes a long way in getting ready for employee benefits renewal,… (March 5, 2026)
- [When are machine-readable Rx files coming?](https://handlhealth.com/post/machine-readable-rx-files-coming-soon): The significance of transparent drug pricing can not be overstated. (March 2, 2026)
- [Handl Health secures $14M Series A to reform healthcare access and affordability in the United States](https://handlhealth.com/post/handl-health-secures-14m-series-a): LOS ANGELES February 24, 2026 - Handl Health, a technology platform powering the design of employer-sponsored health insurance that reduces costs while improving patient care, has… (February 23, 2026)
- [Where’d that $800 medical insurance charge come from?](https://handlhealth.com/post/whered-that-800-medical-insurance-charge-come-from): I asked a single question. How was I to know that one query would transform my annual physical from a preventative exam to a diagnostic doctor’s visit? (February 22, 2026)
- [Every Broker Needs a Network Caddie](https://handlhealth.com/post/every-broker-needs-a-network-caddie): Getting ready to watch some amazing golf this week at the Waste Management Phoenix Open in Arizona, it struck me that brokers could take a cue from the game and benefit from a… (February 3, 2026)
- [The Future of Healthcare Transparency: What Brokers & Employers Need to Know in 2026](https://handlhealth.com/post/the-future-of-healthcare-transparency): It’s no secret that healthcare costs are going up. (January 13, 2026)
- [Handl CEO Tracks Journey from Pharmacy to Tech Startup for Leader’s Edge Podcast](https://handlhealth.com/post/handl-ceo-tracks-journey): Handl Health CEO Ahmed Marmoush didn’t co-found the healthcare tech platform overnight. Handl is the result of his lived experiences – first as a pharmacist, then as a healthcare… (July 23, 2025)
- [Opening the “Black Box” on Pharmacy Costs](https://handlhealth.com/post/opening-the-black-box-on-pharmacy-costs): For most employers, pharmacy benefits administration is an expensive “black box” — money flows in, but information rarely flows out. While general healthcare claims data is largely… (May 2, 2025)
- [Michigan Just Sent a Clear Message on Healthcare Price Transparency](https://handlhealth.com/post/michigan-just-sent-a-clear-message-on-healthcare-price-transparency): Last week, our CEO Ahmed Marmoush discussed how President Trump's recent executive order on healthcare price transparency is an important step forward—but also highlighted how it would… (March 13, 2025)
- [Trump’s Price Transparency Executive Order: What It Means & What You Can Do](https://handlhealth.com/post/trumps-price-transparency-executive-order-what-it-means-what-you-can-do): As the saying goes - if at first you don’t succeed, try, try again. Despite the Trump administration’s first try at forcing hospital price transparency, less than a quarter of… (March 5, 2025)
- [Turning an Executive Order into action: Is it radical to push for healthcare price transparency when employers pay 27% more than necessary?](https://handlhealth.com/post/turning-an-executive-order-into-action): After years of relentless advocacy, policy changes and industry efforts, we’ve arrived at another pivotal moment for healthcare price transparency—an Executive Order from the office of… (February 26, 2025)
- [Introducing Iris: Putting the Power into your Hands](https://handlhealth.com/post/introducing-iris-putting-the-power-into-your-hands): I’m excited to introduce you to Handl Health’s latest innovation, Iris – a first-of-its-kind, self-service analytics tool for benefits consultants, TPAs and employers looking to say… (July 22, 2024)
- [Unlocking the Potential of Healthcare Price Transparency for Employers: How to Avoid Missing the Forest for the Trees](https://handlhealth.com/post/unlocking-the-potential-of-healthcare-price-transparency-for-employers): _This article was written in collaboration among Ahmed Marmoush (CEO & co-founder, Handl Health), Ria Shah (CPO & co-founder, Handl Health) and Francois de Brantes (EVP, Network… (June 11, 2024)
- [Handl Health secures $2.5M in Seed Funding to drive innovation for the employer-sponsored benefits ecosystem](https://handlhealth.com/post/handl-health-secures-2-5m-in-seed-funding): Handl Health, a first-to-market AI platform built to help benefits consultants design and deliver affordable health benefits, today announced an oversubscribed $2.5M Seed fundraise… (April 24, 2024)
- [It’s an Obligation. More Importantly, It’s an Opportunity.](https://handlhealth.com/post/its-an-obligation-more-importantly-its-an-opportunity): Yet that is exactly what has happened with the passage of the No Surprises Act and the implementation of price transparency regulations. To date, the compliance obligations for… (November 14, 2022)
- [Deadline Approaching: Transparency in Coverage Final Rule](https://handlhealth.com/post/deadline-approaching-transparency-in-coverage-final-rule): Today is June 29, 2022, which means that the first phase of the Transparency in Coverage Final Rule will be enforceable in just 2 days. So, what’s required of health plans on July 1,… (June 29, 2022)
- [Have You Heard of The Hospital Price Transparency Rule?](https://handlhealth.com/post/have-you-heard-of-the-hospital-price-transparency-rule): Imagine you need to see a doctor or surgery and would like to know the cost upfront to avoid receiving a surprise medical bill – it’s usually really difficult to find the price of care… (June 23, 2022)
- [Price Transparency: An Update on the Transparency in Coverage Legislation](https://handlhealth.com/post/price-transparency-an-update-on-the-transparency-in-coverage-legislation): Since 2020, we have seen quite a bit of legislation regarding price transparency coming out of the White House. The Trump Administration started these efforts, and Biden’s has… (June 20, 2022)

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