Kairos Health Arizona

What Kairos Health Arizona does

Kairos Health Arizona is a member-owned, non-profit employee benefits pool formed in 2017 under Arizona Revised Statutes Section 11.952.01, exclusively serving Arizona public entities — school districts, cities and towns, fire districts, counties, and sanitary districts. The organization consolidates fragmented public-sector benefits purchasing into a single statewide pool, providing members collective negotiation leverage, transparent administration, and member ownership of plan savings under a board of directors elected by member entities.

The core product is a full-stack benefits package delivered through carrier partnerships — UnitedHealthcare Choice Plus for medical, MaxorPlus for pharmacy, Delta Dental PPO and TDA Prepaid for dental, and VSP for vision — supplemented by telehealth, an Employee Assistance Program, life insurance, HSA/FSA, and supplementary coverages. Layered on top is the KairosPro suite of three signature programs: KairosPro Navigators (nurse-led care navigation), KairosPro Wellness (screenings, condition management, maternity, fitness), and KairosPro Shield (behavioral health and advocacy for first responders, including 36 free EAP sessions per year). The administrative backbone includes an 834 EDI file feed-based member benefit platform with a DUO-secured staff portal, in-house CPA financial/reporting services, compliance oversight, and member education programs.

The business model is subscription/recurring: public entities pay member premiums/contributions to participate in the pool, with administrative fees embedded in overall membership costs. Pricing is custom quote-based, requiring submission of employee census data, 24 months of claims history, stop loss information, and plan design documentation, contracted on multi-year terms. The go-to-market is sales-led and consultative, leveraging direct outreach (phone 888-331-0222, online quote form), member testimonials, and the statutory procurement exemption that allows entities to join without an RFP. As a member-owned pool, there is no external equity, no disclosed revenue, and growth is reinvested into plan savings and program expansion for members.

Name

Kairos Health Arizona

Legal name

Kairos Health Arizona, Inc.

Website

https://kairoshealthaz.org

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Kairos Health Arizona is a member-owned public entity benefits pool formed in 2017 under Arizona Revised Statutes Section 11.952.01, serving Arizona school districts, cities, fire districts, counties, and sanitary districts with medical, dental, vision, and KairosPro care navigation programs.

Ownership category

akta.pro rank

Product category

Public-Sector Employee Benefits Pool

NAICS

Health and Welfare Funds (525120), Other Insurance Funds (525190)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

akta.pro secondary industries

Eligibility, Enrollment & Benefits Administration (HLAEALAH), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

Keywords

• Public entity benefits
• Employee benefits pool
• Self-insured programs
• Public sector health benefits
• Group health insurance

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Member Premium Contributions: Public entities (school districts, cities, counties, fire districts) pay premiums/contributions to participate in the benefits pool. Kairos operates as a self-insured pool where members retain their own losses while gaining collective buying power and rate stability.
2. Administrative Fees: Administration services including benefit program management, financial/reporting, compliance oversight, and employee education are included with membership at no additional cost, suggesting administrative fee structures embedded in overall membership costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Kairos Health Arizona operates a member-owned employee benefits pool exclusively for Arizona public entities (school districts, cities and towns, fire districts, counties, sanitary districts), formed under Arizona Revised Statutes Section 11.952.01. It pools purchasing power across member entities to deliver medical, prescription, dental, vision, telehealth, EAP, life, HSA, FSA and supplementary benefits, supplemented by three signature programs: KairosPro Navigators (nurse-led care navigation), KairosPro Wellness, and KairosPro Shield (first-responder behavioral health support).

Product overview

Kairos Health Arizona is an employee benefits pool created for public entities in Arizona, launched in 2017. The offering is a platform-plus-programs architecture built around a core benefits package (medical, prescription, dental, vision, telehealth, EAP, life insurance, HSA, FSA, and supplementary benefits) supplemented by the KairosPro suite of three signature programs. KairosPro Navigators provides nurse-led health care advocacy and care coordination; KairosPro Wellness delivers wellness programming including screenings, condition management, and fitness resources; and KairosPro Shield offers specialized behavioral health and advocacy support for first responders. Supporting services include benefit program management, financial and reporting, compliance oversight, and employee education. Members can access fully insured or self-insured plan options, and the organization is governed by its member public entities.

Differentiator

Problem solved

Functional benefit

Brands

• KairosPro: Suite of programs designed to remove gaps in care when it comes to insurance, including Navigators, Wellness, and Shield programs.
• KairosPro Navigators
• KairosPro Wellness
• KairosPro Shield

Products and services

• Medical Insurance Medical coverage plans for Arizona public-entity employees, delivered through the UnitedHealthcare Choice Plus Network with 3 copay plan options and 3 HDHP options.
• Prescription Benefits Prescription drug coverage through the MaxorPlus network with retail and mail-order options, discount coupons, and savings programs for Kairos members.
• Dental Benefits Dental coverage provided through the Delta Dental PPO Network and TDA Prepaid Network for member dental benefits.
• Vision Benefits Vision coverage through the VSP Vision Network, including essential eye care and diabetic care programs for Kairos members.
• Telehealth Services Telehealth services covering medical, behavioral health, and dermatology consultations for Kairos members.
• Employee Assistance Program (EAP) Employee Assistance Program providing free short-term counseling, Craig Tiger Act reporting, work-life resources, legal guidance, and financial education.
• Life Insurance Life insurance with AD&D coverage at employee and senior-level amounts, plus voluntary life coverage options for members.
• Health Savings Account (HSA) Tax-advantaged savings accounts for qualified health care expenses with unused funds rolling over year to year.
• Flexible Spending Accounts (FSA) Pre-tax spending accounts for qualified health care or dependent care expenses, subject to use-it-or-lose-it plan-year rules.
• Supplementary Benefits Additional member benefits including short-term disability, hospital indemnity, critical illness, accident insurance, pet insurance, and identity theft protection.
• KairosPro Navigators Nurse-led care navigation service that helps members understand their personal health care situation, choose the best treatment option, keep costs to a minimum, and coordinate in-network care across the benefits package.
• KairosPro Wellness Wellness program offering onsite screenings, mammograms, ongoing and complex condition management, maternity support, an online health center, fitness programs, weight loss support, and financial wellness resources for members.
• KairosPro Shield Specialized advocacy and care-coordination program for first responders addressing trauma, PTSD, and behavioral health needs, including 36 free EAP counseling sessions per year.
• Benefit Program Management Administrative service that combines 834 EDI file feeds with a customizable benefit platform, regular market checks, contract negotiations, subrogation services, vendor and program oversight, and COBRA, HSA, and FSA management.
• Financial and Reporting Services In-house CPA and financial expert services including regular financial and accounting services, independent financial and medical/pharmacy claims audits, consolidated monthly invoicing, industry-leading reporting, independent actuarial reports, investment options, and renewal calculations.
• Compliance Oversight Compliance support including Med-D, CMS, and PCORI filings, annual required notices, No Surprises Act management, and HIPAA training for member entities.
• Employee Education and Support Open-enrollment oversight and education using custom resources, ongoing webinars, newsletters, educational videos, presentation support, new-hire trainings, annual in-person events, custom web pages, and printing supplies.

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, supporting and minor.

• UnitedHealthcare Choice Plus NetworkcoreTechnology or IntegrationUnitedHealthcare Choice Plus Network is the largest network in the country, providing Kairos members with access to extensive provider networks for medical coverage. Kairos offers 3 Copay plans and 3 HDHPs using this network.
• MaxorPluscoreTechnology or IntegrationPharmacy network partner providing retail and mail order prescription options, along with discount coupons and programs for Kairos members.
• Delta Dental PPO NetworkcoreTechnology or IntegrationDental network provider offering PPO network access for Kairos member dental benefits.
• TDA Prepaid NetworksupportingTechnology or IntegrationAdditional dental network option providing prepaid dental network access for Kairos members.
• VSP Vision NetworkcoreTechnology or IntegrationVision network partner providing essential eye care and diabetic care programs for Kairos members.
• SecurisminorChannel Partner/ Reseller/ DistributorLinked partner organization visible on member portal. Securis is an insurance pool organization.
• Arizona School AllianceminorChannel Partner/ Reseller/ DistributorLinked partner organization visible on member portal. Arizona School Alliance is related to school employee benefits.
• The TrustminorChannel Partner/ Reseller/ DistributorLinked partner organization visible on member portal. The Trust provides employee benefits services.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Meritain Health: Third-party administrator of self-funded health plans for employers including public-sector and mid-market groups. Comparable to Kairos in administering self-insured plans, providing stop-loss support, and integrating with national PPO networks.
• Public Agency Retirement Services (PARS): California-based provider of retirement and post-employment benefit trust administration for public agencies, special districts, and schools. Comparable as a pooled-service entity targeting California public entities with a similar member-owned governance philosophy.
• Navia Benefits: Benefits administrator focused on small and mid-sized employer groups including public entities, schools, and nonprofits. Comparable to Kairos in providing fully insured and self-funded plan options with similar product breadth (medical, dental, vision, life, disability).
• BeneSys, Inc. Third-party administrator specializing in Taft-Hartley, public-sector, and multiemployer benefit funds with self-funded plan administration, COBRA/HSA/FSA management, and compliance services. Directly comparable to Kairos in serving public-entity/multiemployer benefit pools with self-insured administration.

Regional players

• SchoolsFirst Federal Credit Union: California-based member-owned benefits and financial services organization serving school employees and public-sector workers. Comparable to Kairos as a member-driven benefits pool targeting education and public-entity employees, though operating at significantly larger scale and on a different regulatory framework.
• Schools Excess Liability Fund (SELF): California joint powers authority providing excess liability and property coverage pools for school districts. Comparable as a public-entity pooling organization formed under specific state statutory authority, though focused on property/casualty rather than health benefits.

Broad incumbents

• Alliant Insurance Services: Large national insurance brokerage and consulting firm with a dedicated public-entity practice serving schools, municipalities, and special districts. A broader incumbent offering similar products but with national scale, brokerage distribution, and carrier relationships rather than a single dedicated pool model.
• USI Insurance Services: Top-10 U.S. insurance brokerage with a strong public-entity and K-12 segment offering benefits consulting, brokerage, and risk management. Comparable as a competing channel for Arizona public-entity benefits business, though not a pool itself.
• CalPERS Health Benefits Program: California state public employees' benefits program providing health, dental, and vision coverage to public-sector employees and retirees. Comparable as a public-entity benefits pool at much greater scale, serving state employees and contracting agencies.
• OneDigital: National employee benefits consulting and brokerage firm serving mid-market and public-sector employers. Comparable to Kairos as a benefits advisor for school districts and municipalities, though operating as a brokerage/advisory rather than a risk-bearing or pooling entity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• LinkedInlinkedin.com/company/kairos-health-az

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kairos Health Arizona