Know which employees will drive next year's claims.
Self-funded employers bear the full risk of catastrophic claims. Marqi Index identifies employees at highest risk of costly admissions so you can intervene before claims materialize.
5%
of employees drive
50%+ of claims
$150K
average stop-loss
attachment point
20-40%
claims from
chronic conditions
30-60
days advance
risk visibility
Your benefits budget is a clinical risk portfolio.
As a self-funded employer, you bear the full financial risk of your employees' health. A single employee with poorly controlled diabetes who progresses to kidney failure can generate $500K+ in dialysis claims over several years.
The question isn't whether you'll have high-cost claimants. The question is whether you'll see them coming in time to intervene.
Typical Claims Distribution
The opportunity isn't managing the 80% who are healthy. It's identifying and intervening with the 5% who will become your catastrophic claimants.
How Employers Use Marqi Index
From CFO reporting to care management accountability, validated risk prediction transforms how you manage health benefits.
Catastrophic Claim Prevention
Identify employees at highest risk of generating $100K+ claims. Intervene with care management, disease management, or centers of excellence referrals.
Cost avoidanceChronic Condition Management
Target disease management resources to employees with poorly controlled diabetes, heart disease, or other conditions who are most likely to deteriorate.
Clinical targetingBenefits ROI Demonstration
Quantify the impact of your health investments with validated risk metrics. Show your CFO exactly which programs are moving the needle.
Executive reportingVendor Accountability
Hold care management vendors accountable with objective, third-party risk scores. Track whether their interventions are actually reducing risk.
Performance measurementRenewal Preparation
Enter stop-loss negotiations with visibility into your risk profile. Demonstrate proactive management to secure better terms.
Stop-loss optimizationPopulation Health Strategy
Understand the clinical risk profile of your workforce. Design benefits packages that address the actual health needs of your employees.
Strategic planningThe Math on Prevention
For most self-funded employers, preventing 2-3 catastrophic admissions pays for a year of risk prediction.
Example: 5,000 Employee Company
Intervention Opportunity
ROI estimates are illustrative. Actual results depend on population characteristics, care management capabilities, and intervention effectiveness.
Employee Privacy is Non-Negotiable
We understand the sensitivity of employee health data. Marqi Index is designed with privacy by default, delivering risk intelligence without exposing individual medical details to employers.
Population-level insights without individual diagnosis disclosure
All data handling meets or exceeds HIPAA requirements
Risk scores flow through your TPA, not directly to HR
Support for consent-based participation programs
Typical Deployment Model
TPA Receives Scores
Risk scores delivered to your TPA via secure API
Care Management Outreach
TPA routes high-risk members to appropriate programs
Employer Reporting
Aggregate analytics on population risk and intervention impact
No PHI to Employer
Individual health details never disclosed to employer
Ready to See Your Population Risk Profile?
Schedule a 30-minute call to discuss how Marqi Index can help you identify high-risk employees and demonstrate care management ROI.