Collective Health
Collective Health is a modern third-party administrator providing integrated health benefits administration, claims processing, care navigation, and AI-powered member support to self-funded employers with 250+ employees, serving 70+ enterprise clients covering 500,000 members.
- Company typePrivate
- Founded2013
- HeadquartersSan Francisco, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What Collective Health does
Collective Health is a modern third-party administrator (TPA) providing health benefits administration, claims processing, care navigation, and analytics to self-funded employers with 250 or more employees. Founded in 2013 and headquartered in San Francisco, the company operates an integrated platform that combines Collective TPA (claims adjudication, payments, and reporting), Navigation & Advocacy (a member-facing benefits front door with NCQA-accredited care navigation), and the Benefits Hub (aggregation of ancillary and digital health partners through the Premier Partner Program and The Partner Collective marketplace). The platform has processed 23.6 million claims and serves more than 70 enterprise clients covering approximately 500,000 members, including Pinterest, Activision Blizzard, Zoom, Rivian, Daikin, and Cornerstone OnDemand.
The technology architecture is built on modern cloud infrastructure with an AI layer called Collective AI (CAI), developed in collaboration with Google Cloud and launched in February 2026. CAI delivers 24/7 member-facing conversational AI within the My Collective portal, real-time documentation support for Member Advocates, and plan-design insights for employers, all under a privacy-by-design framework that prevents employee health data from training external models. Supporting products include Collective Compass (claims analytics and employer reporting), The Partner Collective (digital health marketplace with 100+ integrated partners), the Compass employer portal, and Guide PPO (a structured health-plan design option). The company maintains HITRUST r2 (270 controls across 19 domains), SOC 2 Type II, and NCQA Case Management credentials, and reports an 86% client satisfaction score and a 70 member NPS versus an industry average of 30.
Collective Health generates revenue primarily through quote-based, subscription-style contracts with self-funded employers, structured as per-employee-per-month (PEPM) fees typical of the TPA industry, on annual billing cycles. Distribution combines direct enterprise field sales targeting benefits leaders, broker and consultant referral channels, and white-label/embedded partnerships with regional health plans including Providence Health Plan, Highmark, and Health Care Service Corporation (HCSC). The company has raised $719 million in total venture funding across multiple rounds, including a $280 million Series F in May 2021 that valued it at approximately $1.5 billion, with key institutional backers SoftBank Vision Fund, Google Ventures, Founders Fund, and NEA.
Collective Health firmographics
Firmographics- Name
- Collective Health
- Legal name
- CollectiveHealth, Inc.
- Website
- https://collectivehealth.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Collective Health is a modern third-party administrator providing integrated health benefits administration, claims processing, care navigation, and AI-powered member support to self-funded employers with 250+ employees, serving 70+ enterprise clients covering 500,000 members.
- Ownership category
- akta.pro rank
Collective Health industry classification
Industry- Product category
- Health Benefits Administration (Third-Party Administrator)
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Services-Health Services (8000), Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)
- akta.pro secondary industry
- Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)
Keywords
Where Collective Health is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Collective Health business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Health Benefits Administration Services: Collective Health operates as a third-party administrator (TPA) providing health plan benefit administration services to self-funded employers. The company charges employers subscription/recurring fees for platform access, claims processing, care navigation, and analytics. Revenue is primarily B2B, recurring in nature based on employer contracts.
- Partner Ecosystem/Integration Fees: Revenue from the Premier Partner Program where digital health solution providers integrate with the Collective Health platform, potentially through licensing or referral arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise self-funded employer plans - customized pricing |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels9 records
Collective Health product offering
Product offeringCore offering
Collective Health operates as an independent third-party administrator (TPA) for self-funded employers, integrating plan administration, claims adjudication and payments, care navigation and advocacy, pharmacy benefit management, stop-loss integration, and analytics on one platform. The offering pairs the core TPA technology with Collective AI (CAI) — an AI layer built with Google Cloud — and The Partner Collective ecosystem of more than 100 digital health point solutions, delivered through direct employer contracts, broker/consultant referrals, and white-label relationships with regional health plans.
Product overview
Collective Health is a health benefits administration platform for self-funded employers, offering a unified integrated technology platform that brings together plan administration, cost management, and member advocacy. The core product portfolio includes Collective TPA for third-party administration, Navigation & Advocacy for member support, and Benefits Hub for partner integration. The AI-powered layer consists of Collective AI (CAI), which operates within the My Collective member portal and supercharges the Member Advocate team. Supporting products include Collective Compass for employer analytics, The Partner Collective marketplace for digital health solutions, Care Navigation for complex case management, and the Compass employer portal. The platform serves self-funded employers typically with 500+ eligible employees and integrates with pharmacy benefit managers, provider networks, and various point solutions through its partner ecosystem.
Differentiator
Problem solved
Functional benefit
Products and services
- Collective TPA
Quantifiable outcome
- 50% reduction in healthcare cost trend over 5-year period
- +7 more outcomes
Companies that use Collective Health
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles2 records
Collective Health technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature6 records
Collective Health partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, minor and major.
- Google CloudcoreCollective Health collaborated with Google Cloud to launch Collective AI (CAI), an AI-powered system that helps members understand benefits, access ID cards, and navigate care. Google Cloud provides technology infrastructure with privacy-by-design framework that protects employee health data and prevents it from training external models. Strategic technology partnership for AI capabilities.
- Providence Health PlancoreProvidence Health Plan announced TPA partnership with Collective Health to introduce a new TPA platform for self-funded employers, combining Providence's regional healthcare expertise with Collective Health's technology. Platform aims to improve benefits management, transparency, and cost efficiency with Collective Health's clinical and analytical tools.
- Noom HealthcoreCollective Health and Noom partnered to launch Collective Health + Noom Med with SmartRx, an enterprise weight management solution with integrated GLP-1 drug program. Aims to deliver 28% potential cost savings on GLP-1 medications by bypassing traditional intermediaries. Addresses obesity affecting over 40% of U.S. adults.
- Sun LifeminorSun Life and Collective Health's new integrated stop-loss offering gives employers more financial control of their healthcare investment.
- Uber HealthminorPartnership to give select members easy access to transportation services, addressing social determinants of health.
- Health Care Service Corporation (HCSC)majorHCSC and Collective Health announced plans to deliver streamlined, digital healthcare experience at scale through strategic partnership.
- One MedicalminorJAMA Network Open study between Collective Health and One Medical found virtual + in-office primary care model linked to 45% lower employer total cost.
Scale indicators12 records
Recent moves8 records
Expansion highlights6 records
Collective Health competitors and assessment
Company assessmentEmerging players
- HealthJoy: HealthJoy is a benefits navigation and virtual care platform for employers that consolidates point solutions into a single member experience. Comparable to Collective Health's Benefits Hub and navigation front door, though typically serving smaller employers than Collective Health's sweet spot.
- Castlight Health: Castlight Health provides health benefits navigation and analytics for self-funded employers, focused on cost transparency and engagement. Overlaps with Collective Health's navigation, advocacy, and Collective Compass analytics offerings.
Direct peers
- Centivo: Centivo is a health plan provider built specifically for self-funded employers, offering integrated plan administration, primary-care-centered networks, and cost-control analytics. Directly comparable to Collective Health's TPA+Navigation stack targeting mid-market and large self-funded employers.
- Included Health: Included Health (formed from Doctor On Demand + Grand Rounds) provides virtual care, navigation, and behavioral health services integrated into employer benefit plans. Comparable to Collective Health on the navigation/advocacy and digital point-solution layers for self-funded employers.
- Accolade: Accolade is a personalized advocacy and navigation platform for employer health benefits, combining AI-driven member guidance with human healthcare assistants. Closely comparable to Collective Health's Navigation & Advocacy offering, although Accolade historically has partnered with TPBs rather than operating its own claims administration platform.
Broad incumbents
- Virgin Pulse (Personify Health): Personify Health (formerly Virgin Pulse) is a comprehensive employer wellbeing, navigation, and benefits engagement platform serving large employers globally. Adjacent to Collective Health's navigation/advocacy offering, with broader wellness and international footprint but weaker claims-administration depth.
- Elevance Health (Anthem): Elevance Health is one of the largest US health insurers with significant ASO/TPA capabilities and a national Blue Cross Blue Shield footprint. Competes head-to-head with Collective Health for self-funded employer accounts via its captive TPA and Carelon services platform.
- Cigna Group (Evernorth): Cigna operates a major commercial health business and Evernorth services platform including PBM, specialty pharmacy, and benefits administration. Competes with Collective Health for self-funded employer RFPs and offers bundled stop-loss and care services.
- UnitedHealth Group (Optum): UnitedHealth Group is the largest US health insurer with deeply integrated Optum services across PBM, care delivery, and benefits administration. The structural incumbent competitor for self-funded employer plans via UMR and other captive TPA subsidiaries.
Others
- Premise Health: Premise Health operates on-site and near-site primary care clinics for large self-funded employers and health systems. Comparable to Collective Health's clinical partnership layer (e.g., One Medical integration) and a potential ecosystem partner for care navigation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Collective Health social profiles
Digital presenceCollective Health compliance and trust
Trust signalCompliance3 records
Collective Health financial estimates
Financial estimateRevenue estimate
Valuation estimate
Collective Health leadership team
Management profileNumber of profiles
Profiles20 records
Collective Health funding detail
Funding detailFunding overview
Funding rounds6 records
Investors31 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Collective Health M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Collective Health
What does Collective Health do?
Collective Health operates as an independent third-party administrator (TPA) for self-funded employers, integrating plan administration, claims adjudication and payments, care navigation and advocacy, pharmacy benefit management, stop-loss integration, and analytics on one platform. The offering pairs the core TPA technology with Collective AI (CAI) — an AI layer built with Google Cloud — and The Partner Collective ecosystem of more than 100 digital health point solutions, delivered through direct employer contracts, broker/consultant referrals, and white-label relationships with regional health plans.
Is Collective Health a public or private company?
Collective Health is a private company. It is classified as venture growth investor backed and is currently operating.
When was Collective Health founded?
Collective Health was founded in 2013. It employs 1,001 to 5,000 people.
Where is Collective Health based?
Collective Health is headquartered in San Francisco, United States, in the North America region.
How does Collective Health make money?
Two revenue lines are on record. Health Benefits Administration Services are the primary driver. The others are partner Ecosystem/Integration Fees.
Who are Collective Health's main competitors?
Emerging players on record are HealthJoy and Castlight Health. Direct peers are Centivo, Included Health and Accolade. Broad incumbents are Virgin Pulse (Personify Health), Elevance Health (Anthem), Cigna Group (Evernorth) and UnitedHealth Group (Optum). Premise Health is listed as an others.
Does Collective Health have an API?
No public API is recorded for Collective Health.
What industry is Collective Health in?
Collective Health's product category is Health Benefits Administration (Third-Party Administrator). Its primary akta.pro industry code is HLAEALAA, Self-Funded Employer Plan TPA (ASO Administration), with a secondary code of HLAEALAN, Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness). Its NAICS code is 524292 and its SIC code is 8000.