Contract model intelligence
DirectContract tracks 47 documented employer-provider arrangements using Transparent Pricing, spanning 30 providers and 45 employers/funds. Each record preserves source provenance and reported economics where public data supports them.
Tracked contracts
Covered lives represented
Active or expanded
Highest reported savings
United States · 2026-10-01
Blackwell Captive Solutions partnered with Apta Health to make Apta Cash available to employers in Blackwell's medical stop-loss captive programs, including Humboldt Health. Apta Cash guides members to providers, negotiates cash prices before care, and coordinates payment. Adoption, covered lives, and realized employer savings were not disclosed.
United States · 2026-09-29
Waltz Health and Fresenius Kabi partnered to offer employers and health plans direct access through Waltz Connect to adalimumab-aacf, Otulfi, and Tyenne using defined per-unit pricing plus a disclosed Waltz fee. An EVERSANA-operated specialty pharmacy provides fulfillment and direct-to-home delivery. Employer-specific savings and covered lives were not disclosed.
United States / multi-state · 2026-08-26
Core Fiber uses Apta Health’s Apta Cash employer health model, combining direct primary care, guided navigation, and negotiated cash pricing for procedures. Apta Health reported a 42.35% reduction in medical spending and said employees following the guided care pathway received covered care with no out-of-pocket cost.
WA, UT, ID (11 facilities) · 2026-05
Tellica Imaging, LLC is a Community (self-published) direct contract available to self-funded employers. Agreement type: Provider Services Agreement. Effective May 1, 2026. Licensed in WA, UT, and ID (11 facilities). Pricing uses flat-rate fee schedules by state and modality — not Medicare-indexed. CT: $400 UT / $350 ID / $500 WA (2026). MRI/MRA: $600 UT / $550 ID / $750 WA (2026). Built-in annual escalator in UT/ID; WA rates flat. Note: Community contracts are self-published by providers using the CPW template and have not been vetted by Cost Plus Wellness. Full contract terms available at https://costpluswellness.com/contracts/tellica-imaging-llc
Model: Transparent Pricing
Status: active
Lives: Not disclosed
Savings: Flat-rate imaging: CT $350-500, MRI $550-750 (state-tiered; published at costpluswellness.com)
Dallas-Fort Worth, TX · 2026-04
Mark Cuban's Cost Plus Wellness platform published 27 direct employer-provider contracts openly across a 9,200+ provider footprint in DFW. First major platform to publish contract terms publicly.
Model: Transparent Pricing
Status: active
Lives: 9,200
Savings: Transparent, published contract rates by service line
United States · 2026-03
Eli Lilly launched a direct-to-employer platform for tirzepatide (Zepbound) in March 2026, enabling self-insured employers to access GLP-1 obesity treatment at transparent prices without PBM intermediaries. The model cuts spread pricing and allows employers to offer the drug as a defined benefit at a predictable cost.
Model: Transparent Pricing
Status: active
Lives: Not disclosed
Savings: Reduced GLP-1 costs by bypassing PBM spread pricing
New York · 2026-01
Northwell Health expanded its Northwell Direct platform for self-insured employers in 2026, offering direct contracts with the largest health system in New York. Modern Healthcare characterized the model as a direct threat to traditional insurer intermediaries, giving employers transparent access to Northwell's 21-hospital network.
Model: Transparent Pricing
Status: active
Lives: Not disclosed
Savings: Not disclosed; described as threatening traditional insurer revenue
United States · 2025-11
Waltz Health launched a direct-to-employer access model for GLP-1 obesity management medications in November 2025. The platform allows self-insured employers to offer tirzepatide and semaglutide at transparent, contracted prices without traditional PBM markup.
Model: Transparent Pricing
Status: active
Lives: Not disclosed
Savings: Lower net cost on obesity management drugs vs. traditional PBM
Michigan · 2025-01
Henry Ford Health launched a direct contracting platform offering self-insured employers structured access to its integrated Michigan health system. The 2025 offering expands beyond the original 2018 GM arrangement into a multi-employer platform model.
Indiana · 2025
Indiana Department of Health validated Ascension Saint Vincent direct-to-employer plan performance at 171% of Medicare for CY2025. Ascension says its Employer Solutions program has operated since 2009 and serves more than 75 businesses, 125 public schools and 300+ public safety agencies.
Michigan (Midwest) · 2024-01
Meijer, the Midwest grocery/retail chain (30,085 members), engaged Transcarent for its Health Benefits Plan in 2024, paying $1.4M. Transcarent connects self-insured employers directly to health systems and high-value providers, bypassing traditional carrier intermediaries.
GA · 2024-01
DELTA AIR LINES, INC. (82,846 plan members) used Quantum Health, Inc. as a service provider for its DELTA ACCOUNT-BASED HEALTHCARE PLAN in 2024. Fee paid: $21,916,211. Sourced from DOL Form 5500 Schedule C filing.
MN · 2024-01
WELLS FARGO & COMPANY (149,291 plan members) used Included Health, Inc. as a service provider for its WELLS FARGO & CO HEALTH PLAN (FOR ELIGIBLE ACTIVE EMPLOYEES & THEIR DEPENDENTS) in 2024. Fee paid: $22,391,192. Sourced from DOL Form 5500 Schedule C filing.
GA · 2024-01
NCR VOYIX CORPORATION (5,210 plan members) used United Healthcare Services (surest) as a service provider for its NCR CORPORATION GROUP BENEFITS FOR ACTIVE ASSOCIATES in 2024. Fee paid: $2,645,860. Sourced from DOL Form 5500 Schedule C filing.
CA · 2024-01
E. & J. GALLO WINERY (5,127 plan members) used Accolade, Inc. as a service provider for its E. & J. GALLO WINERY MASTER HEALTH & DENTAL PLAN in 2024. Fee paid: $826,248. Sourced from DOL Form 5500 Schedule C filing.
Georgia (national) · 2024-01
Delta Air Lines (82,846 plan members) uses Quantum Health as contract administrator for its Account-Based Healthcare Plan. Quantum Health paid $21.9M in 2024 — the largest single-year fee in our Form 5500 dataset, indicating Delta is one of Quantum Health's anchor accounts.
Virginia (national) · 2024-01
Northrop Grumman (93,428 members) engaged Quantum Health as contract administrator for its Group Benefits Plan in 2024. Quantum Health provides care navigation and direct contracting access, connecting self-insured employers with providers outside traditional carrier networks. Fee paid: $16.7M — indicating significant scale of engagement.
TN · 2024-01
NISSAN NORTH AMERICA, INC. (16,220 plan members) used Accolade 2nd Md Llc as a service provider for its THE NISSAN NORTH AMERICA, INC. WELFARE PLAN in 2024. Fee paid: $207,900. Sourced from DOL Form 5500 Schedule C filing.
TN · 2024-01
FIRST HORIZON CORPORATION (5,556 plan members) used Quantum Health Inc as a service provider for its FIRST HORIZON CORPORATION HEALTH AND WELFARE BENEFIT PLAN in 2024. Fee paid: $1,522,497. Sourced from DOL Form 5500 Schedule C filing.
New Jersey (national) · 2024-01
JPMorgan Chase (154,963 members — largest in our dataset) engaged Included Health for its Health Care and Insurance Program in 2024. Included Health provides virtual care and navigation with direct provider access, paid $1.7M. JPMorgan is also a member of the Health Transformation Alliance.
Minnesota (national) · 2024-01
Wells Fargo (149,291 members) paid Included Health $22.4M in 2024 — the largest Included Health contract in our Form 5500 dataset. Wells Fargo's Health Plan uses Included Health for virtual care, expert medical opinions, and direct provider navigation across its national workforce.
NJ · 2024-01
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (154,963 plan members) used Included Health as a service provider for its JPMORGAN CHASE HEALTH CARE AND INSURANCE PROGRAM FOR ACTIVE EMPLOYEES in 2024. Fee paid: $1,658,327. Sourced from DOL Form 5500 Schedule C filing.
IL · 2024-01
UNITED AIRLINES, INC. (98,473 plan members) used Accolade as a service provider for its UNITED AIRLINES CONSOLIDATED WELFARE BENEFIT PLAN in 2024. Fee paid: $13,287,133. Sourced from DOL Form 5500 Schedule C filing.
VA · 2024-01
NATIONAL RURAL ELECTRIC COOPERATIVE ASSOCIATION (72,921 plan members) used Transcarent Inc as a service provider for its GROUP BENEFITS PROGRAM in 2024. Fee paid: $753,807. Sourced from DOL Form 5500 Schedule C filing.
IL · 2024-01
MCDONALD'S CORPORATION (51,933 plan members) used Included Health as a service provider for its MCDONALD'S CORPORATION HEALTH AND WELFARE BENEFIT PLAN in 2024. Fee paid: $1,043,160. Sourced from DOL Form 5500 Schedule C filing.
NY · 2024-01
MARSH & MCLENNAN COMPANIES, INC. (18,834 plan members) used Surest, A Unitedhealthcare Company as a service provider for its MARSH & MCLENNAN COMPANIES, INC. HEALTH & WELFARE BENEFITS PROGRAM in 2024. Fee paid: $336,764. Sourced from DOL Form 5500 Schedule C filing.
OH · 2024-01
NATIONWIDE MUTUAL INSURANCE COMPANY (20,049 plan members) used Surest as a service provider for its NATIONWIDE INSURANCE COMPANIES & AFFILIATES EMPLOYEE HEALTH CARE PLAN in 2024. Fee paid: $933,821. Sourced from DOL Form 5500 Schedule C filing.
MN · 2024-01
TRAVELERS COMPANIES, INC. (30,716 plan members) used Included Health, Inc. as a service provider for its THE TRAVELERS TRUSTEED EMPLOYEE BENEFIT PLAN in 2024. Fee paid: $2,899,941. Sourced from DOL Form 5500 Schedule C filing.
VA · 2024-01
NORTHROP GRUMMAN CORPORATION (93,428 plan members) used Quantum Health Inc as a service provider for its NORTHROP GRUMMAN CORP GROUP BENEFITS PLAN in 2024. Fee paid: $16,732,131. Sourced from DOL Form 5500 Schedule C filing.
IL · 2024-01
ACCENTURE LLP (67,409 plan members) used Accolade 2nd Md Llc as a service provider for its ACCENTURE UNITED STATES GROUP HEALTH PLAN in 2024. Fee paid: $457,500. Sourced from DOL Form 5500 Schedule C filing.
IL · 2024-01
MCDONALDS LICENSEES HEALTH AND WELFARE TRUST (20,809 plan members) used Included Health, Inc as a service provider for its MCDONALD'S LICENSEES/RMHC HEALTH & WELFARE GIA in 2024. Fee paid: $3,189,900. Sourced from DOL Form 5500 Schedule C filing.
MI · 2024-01
MEIJER, INC. (30,085 plan members) used Transcarent Inc. as a service provider for its MEIJER HEALTH BENEFITS PLAN in 2024. Fee paid: $1,413,722. Sourced from DOL Form 5500 Schedule C filing.
CA · 2024-01
BOARD OF TRUSTEES LABORERS HEALTH WELFARE TRUST FUND NORTHERN CAL. (21,735 plan members) used Transcarent Inc. as a service provider for its LABORERS HEALTH AND WELFARE TRUST FUND FOR NORTHERN CALIFORNIA in 2024. Fee paid: $1,609,382. Sourced from DOL Form 5500 Schedule C filing.
WA · 2024-01
BOARD OF TRUSTEES, WASHINGTON TEAMSTERS WELFARE TRUST (20,324 plan members) used Accolade, Inc. as a service provider for its WASHINGTON TEAMSTERS WELFARE TRUST in 2024. Fee paid: $2,794,535. Sourced from DOL Form 5500 Schedule C filing.
GA · 2024-01
ROLLINS, INC. & SUBSIDIARIES (16,061 plan members) used Imagine360 as a service provider for its ROLLINS, INC. HEALTH AND WELFARE BENEFITS PLAN in 2024. Fee paid: $5,360,979. Sourced from DOL Form 5500 Schedule C filing.
Illinois (national) · 2024-01
Hyatt Corporation (28,100 members) uses Accolade for its Welfare Plan, paying $1.9M in 2024. Accolade provides health advocacy and navigation, steering members to direct contracting arrangements and high-performance providers as an alternative to standard carrier network routing.
Ohio (national) · 2024-01
Nationwide Mutual Insurance (20,049 members) adopted Surest — UnitedHealthcare's transparent pricing product — for its Employee Health Care Plan in 2024. Surest replaces deductibles with upfront cost estimates per service, representing a transparent/reference pricing hybrid model.
California (national) · 2024-01
SAG-AFTRA Health Plan (23,745 members) engaged Transcarent in 2024, paying $339K. The entertainment union fund uses Transcarent to connect members directly to high-value care and surgery centers, reducing costs on high-acuity procedures for film and television industry workers.
UT · 2024-01
UNION PACIFIC RAILROAD COMPANY (12,447 plan members) used Included Health, Inc. as a service provider for its UNION PACIFIC RAILROAD EMPLOYES HEALTH SYSTEMS in 2024. Fee paid: $25,679. Sourced from DOL Form 5500 Schedule C filing.
AZ · 2024-01
CAVCO INDUSTRIES, INC. (6,389 plan members) used Ima, Inc. (surest) as a service provider for its CAVCO INDUSTRIES, INC. GROUP PLAN in 2024. Fee paid: $0. Sourced from DOL Form 5500 Schedule C filing.
WA · 2024-01
BOT, NORTHWEST SHEET METAL WORKERS HEALTH & WELFARE PLAN (6,169 plan members) used Transcarent as a service provider for its NORTHWEST SHEET METAL WORKERS HEALTH AND WELFARE PLAN in 2024. Fee paid: $154,210. Sourced from DOL Form 5500 Schedule C filing.
OH · 2024-01
WINSUPPLY INC. (6,022 plan members) used Quantum Health Services as a service provider for its WHOLESALERS' GROUP LIFE AND HEALTH BENEFIT PLAN in 2024. Fee paid: $1,540,309. Sourced from DOL Form 5500 Schedule C filing.
IL · 2024-01
HYATT CORPORATION (28,100 plan members) used Accolade, Inc. as a service provider for its HYATT CORPORATION WELFARE PLAN in 2024. Fee paid: $1,939,090. Sourced from DOL Form 5500 Schedule C filing.
CA · 2024-01
BOARD OF TRUSTEES, SAG-AFTRA HEALTH PLAN (23,745 plan members) used Transcarent Inc. as a service provider for its SAG-AFTRA HEALTH PLAN in 2024. Fee paid: $338,977. Sourced from DOL Form 5500 Schedule C filing.
PA · 2024-01
ARAMARK SERVICES, INC. (25,026 plan members) used Maestro Health as a service provider for its ARAMARK SERVICES, INC. GROUP HEALTH PLAN in 2024. Fee paid: $357,972. Sourced from DOL Form 5500 Schedule C filing.
Illinois (national) · 2024-01
United Airlines (98,473 members) engaged Accolade for its Consolidated Welfare Benefit Plan in 2024, paying $13.3M in fees. Accolade provides personalized health advocacy and care navigation, connecting employer members to direct contracting arrangements and high-value providers.
National · 2023-01
Ten leading health systems joined the Transcarent direct contracting ecosystem, enabling self-insured employers to access care at transparent prices without traditional insurer intermediaries. Transcarent acts as the navigation and contracting layer connecting employers directly to health systems.