For Carriers & Reinsurers

One body. One dynamic deductible.

ONE SHYFT replaces the static deductible with a member-owned benefit bank that moves with the member. As the bank grows, the effective deductible rises — members self-insure routine care from their own savings, and underwriters write risk only on what's structurally catastrophic. The pool is cleaner, the data is cleaner, and the product is something the market hasn't seen before.

01 · ONE BODY · ONE DEDUCTIBLE

Medical, dental, vision, pharmacy — one deductible across all of them.

The body isn't divided into category-specific risk pools. ONE SHYFT collapses the four into one deductible against one benefit bank. No more arbitrage between coverage categories, no more member confusion about which line a service hits.

02 · DYNAMIC DEDUCTIBLE

Rises with the bank. Falls when the bank is spent.

The effective deductible isn't a fixed dollar number locked at the start of the plan year. It tracks the member's benefit bank balance in real time. Healthy years compound the bank, raising the floor on what carriers underwrite. Care years draw it down, automatically restoring coverage.

03 · DYNAMIC REFERENCE PRICING

Pricing flexes with the service, the market, and the buying power.

Reference rates aren't a static fee schedule. They adjust to actual market conditions and platform-aggregated negotiation. Underwriters get clean real-time signal on what's actually being paid for what — instead of allowed-amount theatre buried under in-network discounts.

04 · A POOL THAT WANTS TO STAY HEALTHY

Prevention becomes personal wealth.

Members keep what they don't spend, with yield. The structural incentive isn't "use it or lose it" — it's "stay healthy, build the bank." The pool's loss ratio improves on its own, without underwriter intervention.

How it works

The deductible moves with the member.

A five-year view of one member's experience. As contributions land in the bank and yield compounds, the deductible threshold rises. Underwriters write risk only on what's above the rising line.

Illustrative model assumes $400/month contribution with 5% yield. Routine spending throughout the period would lower the curve; healthy years bend it steeper. The carrier-underwritten layer sits above the curve and shrinks as a share of pool exposure year over year.

UNDERWRITER VIEW

A risk pool that's actively shrinking from below.

Across a book of business, the aggregate "member bank floor" rises year over year. The carrier's underwritten exposure is a structurally narrowing band — and the band's loss experience is cleaner, because everyone in the pool has skin in the game.

PRODUCT VIEW

A new SKU, not a remix.

This isn't an existing HDHP repackaged. It's a genuinely new line that combines a personal savings vehicle, a wellness incentive, and a true catastrophic cover — sold direct-to-individual, white-labeled where the carrier prefers brand presence.