Precision financing for high-cost therapies
You can start today. PayRx uses purpose-built analytics to reduce uncertainty then, our innovative financing brings your people treatments now that increase health and therefore reduce cost later. We serve Self-Insured Employers, Carriers, Pharmaceutical Companies, and Brokers.
“I haven't seen as impactful an innovation for employers in years.”
ELT of major mid-market brokerage firm
Clinical and financial intelligence, built to support better risk decisions.
PayRx by the numbers
Plans hit with a $1M+ claim
Doubled from 1 in 4 in a single year.
QBE / IFEBP, 2025
More million-dollar claims
In just four years.
Sun Life, 2026
Big claims come out of nowhere
They weren't high-cost the year before.
Derived from Lockton, 2025*
2027 employer cost jump
The steepest since 2003.
Mercer / Marsh, 2026
Proof
Every recommendation we make is built on population-scale claims history, longitudinal clinical evidence, and actuarial modeling — not assumptions. That means the savings we project are the savings you can plan around.
Built for better decisions
For the first time, insurers have what they need to see catastrophic claims before they hit: population-scale claims data, longitudinal clinical evidence, and the predictive models that connect them. We allow you to see the future benefit in the future, so you can expand coverage now.
“Clinical innovation should not be rejected simply because the cost and the value arrive on different timelines.”
— Keith Kennerly, PayRx Founder and CEO
PayRx combines big-data infrastructure with AI-powered predictive methods to identify, well in advance, which members are likely to need advanced therapies — and which interventions today lower the cost of coverage tomorrow. The financial unknown becomes a forecast.
How PayRx works
Three integrated capabilities. One contract. One accountable partner from prediction through payment — so benefit teams stop bracing and start planning.
Is it worth it? What medical, workforce and business value can the clinical innovation create?
What happens if it does not go as planned? What limits and protections can be put in place before coverage expands?
How will we pay for it? Our innovative financing solutions allow cost to be covered while the value builds.
Our solutions
Modular support across risk financing, intelligence, and strategic planning — built to work with your organization, not around it.
GLP-1 & cardiometabolic programs
PayRx delivers employer-specific programs for GLP-1 and other cardiometabolic therapies that:
Impact: Measurable employer value
Gene & cell therapy
PayRx funds eligible therapy and episode-of-care costs, manages payment and reconciliation, and delivers selected protection around the defined financial event.
Impact: $2M–$3M+ therapy event → scheduled funding path and defined outcomes based coverage
Mid-market self-insured
PayRx delivers a funded and protected solution around the exposure: funding eligible costs, managing the payment path, monitoring the case, and providing selected protection above the employer's chosen retention.
Impact: Budget hit reduced from $2.5 million to $41,000
Outcomes & risk protection
PayRx structures, administers, and delivers warranties, outcomes-based arrangements, and reinsurance-backed protection—with the metric, measurement period, and maximum exposure agreed before launch.
Impact: Defined performance risk
Who this is for
We work across the healthcare ecosystem to make high-cost therapy programs easier to evaluate, fund, manage, and scale without forcing every organization into the same solution.
For self-insured employers
Make coverage decisions that immediately reduce medical spend and protect the P&L. PayRx gives employers a clear payment path, monitors real performance, and defines the exposure they keep.
For health plans & captives
See high-cost exposure earlier and decide what to retain, fund, or transfer — with monitoring and selective risk protection attached.
For brokers & benefits consultants
Add a specialized capability without giving up the client relationship. PayRx helps translate complex therapy exposure into an employer-specific case spanning economics, implementation, payment, monitoring, and risk.
For pharmaceutical companies
Help employers move from clinical interest to actionable coverage decisions. PayRx helps answer how to fund the program, what value will be measured, and what risk can be retained, protected, or addressed through warranties, OBAs, and administration.
From the field
Featured engagement
“The PayRx team took the time to understand our needs, then delivered a solution that exceeded expectations. Their depth in healthcare is rare.”
Raymond Tarr
Senior Director · US Commercial, Diagnostics Strategy · Alexion Pharmaceuticals
“PayRx has helped my clients save money and gain tools to navigate large healthcare exposures. The proactive approach delivers real flexibility — short and long term.”
Tammeisha D. Smith
Insurance Consultant · Fairview Insurance
“We modeled three at-risk claimants in eleven days. The plan held — and the benefits team went into renewal season without a $4M question mark.”
Benefits Director
Self-insured employer · 14,000 lives
Start a conversation
A 20-minute review with a PayRx benefits architect. We'll walk through your attachment points, identify your most likely catastrophic-claim exposure, and tell you whether PayRx makes sense — even when the answer is no.
Prefer email?
inquiries@payrxinc.com
