Participant-reported inputs
Participants provide self-reported observations within the program’s defined privacy and reporting boundaries. These observations are not clinical verification and are not necessarily workforce-representative.
Healthcare cost intelligence for employers
Make better decisions about employer healthcare costs.
Metra gives Benefits and Finance an independent view of workforce risk movement and bounded BMI-associated financial exposure. Prepare for program, funding, and renewal decisions with employer-owned evidence alongside claims, actuarial analysis, and carrier or advisor views.
Govern healthcare with evidence of your own. Metra supports your decisions; it does not replace claims analysis, quote premiums, or guarantee savings.
The evidence layer
A different question than “what did we pay?”
The output is decision-ready reporting on risk movement and bounded BMI-pathway exposure—not a premium quote, savings guarantee, or medical diagnosis.
Risk movement in context
Metra organizes change signals so an employer can evaluate them alongside plan experience, actuarial assumptions, and operational choices.
Bounded exposure
Reporting distinguishes observed movement from financial outcomes and focuses on exposure pathways rather than presenting a premium forecast.
A decision record
Finance, benefits, and advisors can work from a common evidence base before funding, intervention, and renewal discussions harden.
Illustrative schematic — not a product screen
From workforce signal to an employer decision.
Evidence
Participant-reported observations
Defined scope; not clinical verification.
Interpretation
Movement by pathway
Trend and BMI-pathway exposure in context.
Decision
Planning discussion
Used alongside claims and actuarial analysis.
WHAT METRA IS / IS NOT
Employer-owned evidence, alongside—not instead of—claims.
Claims experience, actuarial analysis, and carrier and advisor perspectives remain essential. Metra adds an employer-controlled evidence layer that can inform the questions asked of each.
Built for decisions under uncertainty.
Use it to frame during-year governance and renewal preparation—not to imply a causal financial result, validate a savings claim, or substitute for clinical care or actuarial work.
Who it’s for
One healthcare decision. Six distinct seats at the table.
Finance
Keep variance from taking first claim on EBITDA.
Explore →
Total rewards
Know whether the risk you fund is moving.
Explore →
Procurement
Put partners beside the same evidence.
Explore →
People leadership
Care for people without losing the evidence.
Explore →
Enterprise leadership
Keep healthcare growth from crowding out the plan.
Explore →
Brokers
Bring the employer’s evidence to the table.
Explore →
Funding models
The evidence matters differently by contract structure.
Self-funded / control
You pay the claims. Own the signal.
Explore self-funded →
Keep claims, stop-loss, and workforce evidence distinct during the plan year.
Level-funded / performance
Do not wait for year-end experience.
Explore level-funded →
Compare observed movement with plan experience and program investment.
Fully insured / leverage
Bring forward evidence of your own.
Explore fully insured →
Build an employer record before carrier renewal assumptions harden.
Three decisions
Use evidence where the cost conversation actually changes.
During the year
Govern intervention and participation questions.
How it works →
Place observed movement beside program investment and operating choices.
Funding & planning
Keep assumptions distinct from evidence.
Funding models →
Use the right inputs for cash, claims, and funding discussions.
Renewal
Build the record before terms harden.
Evidence & resources →
Review methodology, limits, and matched decision briefs.
Current sample decision brief
See the evidence—and the decision it can support.
A fictional self-funded employer separates BMI evidence, entered program spend and missing claims data before recording a decision to defer a funding change. Unsigned, illustrative and not a Metra recommendation.
Engine-derived fictional result · methodology 1.1-draft · no actuarial signoff. Annualized BMI-associated exposure shift is not claims savings, premium, total liability or a vendor effect.
Read the current BMI-pathway methodology and its limits →
Looking for older material? See the clearly labeled historical archive, separate from current product evidence.
A more accountable benefits conversation
Bring your own evidence to the healthcare cost conversation.
Begin with a strategy call, or use the corporate demo to see the decision context Metra is designed to support.