End-to-end stop-loss RFP automation · plan admins & TPAs

From broker packet to proposal. One auditable pipeline.

rfphealth runs the whole stop-loss workflow: intake the broker's RFP packet, chase the missing data, prep the carrier package, analyze the claims, and build the proposal. Every step logged, and no PHI ever leaves your network.

One live submission, end to end, in 48 hrs, free.
In your VPC / on-prem
Auditable at every step
Zero PHI egress
BAA
Five stages · one continuous audit trail

Everything between the broker and the bind, handled.

Today this lives in inboxes, spreadsheets, and follow-up calls. rfphealth runs it as one pipeline and logs every action, so you can prove exactly what happened, when, and to which record. Live demos below; more landing as we ship each stage.

01 · intake
0:00 / 0:00

Census audit. Cleaning a broker's census — standardizing relationship, class, plan, and tier values, removing duplicates, then reconciling every employee count against the carrier's summary tab.

Stage 01 · Intake

Receive & structure the submission

The broker sends census, plan designs, and claims in whatever format they have. rfphealth parses each one, de-identifies at ingestion, and structures it into a single clean record.

  • Census & claims as CSV / XLSX / 837; plan designs as native PDF
  • De-identified before anything is structured
  • Gaps and duplicates flagged on arrival
Logged: source, timestamp, record count
02 · broker loopSOON
Demo coming soon
Stage 02 · Broker loop

Request what's missing, automatically

rfphealth detects gaps in the submission and generates the info request back to the broker, then tracks and reconciles every response into the record. No inbox archaeology.

  • Auto-detects missing fields, plans, and periods
  • Structured requests, not buried email threads
  • Responses reconciled straight into the record
Logged: every request & response, time-stamped
03 · stop-loss prepSOON
Demo coming soon
Stage 03 · Stop-loss prep

Package for every market

rfphealth maps the structured data to each carrier's RFP schema, validates it, and assembles a market-ready package, so you can shop more carriers without re-keying a thing.

  • Maps to each carrier's submission template
  • Validates & flags exceptions pre-submission
  • One clean package, every market
Logged: schema, validations, package version
04 · claims analyticsSOON
Demo coming soon
Stage 04 · Claims analytics

Underwriting-grade insight

rfphealth analyzes the claims history (large claimants, ongoing conditions, and trend) for sharper underwriting and renewal conversations, all from the same structured record.

  • Isolates large claimants & ongoing conditions
  • Trend & lookback across the period
  • Feeds the proposal and the next renewal cycle
Logged: inputs, method, output snapshot
05 · proposalSOON
Demo coming soon
Stage 05 · Proposal

Build the client-ready comparison

With the claims analyzed and carriers responding, rfphealth assembles a clear, comparable proposal you can put straight in front of the employer: consistent formatting, every quote side by side.

  • Side-by-side carrier comparison
  • Consistent, client-ready formatting
  • Assembled from the same audited record
Logged: quotes in, proposal version out
Security & auditability are the architecture

Runs in your environment. Logs every step.

Two non-negotiables, built in, not bolted on. Your data stays inside your network, and every action the pipeline takes is recorded.

In your environment

rfphealth deploys inside your VPC or on-prem. We don't host your data and there's no outbound path for PHI to take. Identifiers are stripped at ingestion. Your keys, your access controls, your perimeter.

Auditable at every step

Every intake, info request, transformation, and output is time-stamped to an immutable log with per-record lineage. Prove exactly what happened, for compliance, fiduciary review, and carrier disputes.

01

VPC / on-prem deploy

Into infrastructure you already control, with no new vendor data center holding member records.

02

Zero PHI egress

Processed in place. Nothing identifiable is transmitted to us. By design, not by policy.

03

De-identified at ingestion

Identifiers are stripped on arrival, so structuring never touches raw member identity.

04

Immutable audit log

Time-stamped, tamper-evident record of every action the pipeline takes.

05

Per-record lineage

Trace any field in the final proposal back to the source file it came from.

06

BAA & HIPAA-aligned

Built to the controls your compliance team already enforces, with a BAA from day one.

Proof · anonymized

A national plan administrator runs its entire stop-loss desk on rfphealth.

The shift

One auditable pipeline replaced an inbox-and-spreadsheet workflow.

A multi-state plan administrator moved broker intake, info requests, carrier packaging, proposals, and claims analytics onto rfphealth, running entirely inside their own environment, with a full audit trail on every group.

"We can show exactly how every number in a proposal was produced, and the data never left our walls to do it."

VP, Stop-Loss · national plan administrator

5×
faster to market per group
100%
of actions auditable & in-environment
Built for the desk doing the work

Who runs on rfphealth

Plan administrators

Get to market faster, with fewer errors.

Stop assembling RFPs by hand across spreadsheets and PDFs. rfphealth produces one validated, auditable package per group, so renewals don't stall and nothing gets re-keyed.

TPAs

Quote more groups without adding headcount.

Turn every renewal and new-business file into a market submission in minutes, shop more carriers per group, and keep every client's data inside your own infrastructure.

Before you ask

Questions the security team asks first.

Still have one? We'll answer it live on the call.

Meet with the founder
No. rfphealth deploys inside your VPC or on-prem and processes everything in place. Identifiers are stripped at ingestion and there is no outbound path for PHI.
Every intake, info request, transformation, and output is written to an immutable, time-stamped log with per-record lineage, so you can trace any number in a proposal back to its source file and export the trail for compliance, fiduciary review, or a carrier dispute.
rfphealth detects gaps in a submission, generates a structured info request back to the broker, and tracks and reconciles every response into the record, replacing the manual back-and-forth that lives in inboxes today.
The manual workflow between receiving a broker's RFP packet and delivering a proposal: intake, chasing missing data, carrier packaging, claims analysis, and proposal assembly, collapsed into one pipeline you don't run by hand.
Census and claims as CSV, XLSX, flat files and 837; plan designs and SBCs as native PDF. Each group's idiosyncratic format is mapped to a single carrier-ready schema.
Yes. A BAA is available from day one and the deployment aligns with the HIPAA controls you already enforce. A typical environment is stood up and validated against one of your live submissions within 48 hours.
48-hour proof · one live submission · free

Run one of your live submissions end to end, inside your own environment.

Book 20 minutes with the founder. We'll deploy against a real broker packet and take it through intake, broker loop, stop-loss prep, claims analytics, and proposal in 48 hours. If it isn't faster and cleaner than your current process, you don't pay.

No data leaves your network to get started · BAA available · fully auditable