Your largest unmanaged cost is hiding in plain sight.
Kincaid exposes hidden financial leakage, incentive misalignment, and fiduciary risk inside employer health and benefits—using evidence, not opinions.
Executive snapshot
Why Kincaid exists
Because unmanaged health and benefits spend is now a fiduciary, financial, and reputational risk—and most executive teams are flying blind.
The real issue is not complexity.
The real issue is unverified economics. Vendors can profit from opacity. Leadership inherits the downside.
- "Savings" that can't be substantiated
- Fees without clean attribution or audit trails
- Decisions made from reports that aren't evidence-complete
Kincaid is a governance system, not a deck.
We operate like a financial observability platform for employer health—combining actuarial rigor, data science, and enterprise risk governance.
- Evidence-first instrumentation
- Decision-grade KPIs tied to sources
- Clear owners, thresholds, and actions
What you get when you work with Kincaid
Outcomes first. No guessing. No "trust us." You get clarity you can defend in front of a board, auditor, regulator, or CFO.
Move fast by making inaction expensive
People act faster to avoid loss than to pursue gain. Here's the honest contrast.
Without Kincaid, most employers are exposed to:
- Undisclosed revenue streams and incentive distortions
- Unsubstantiated administrative, consulting, and vendor fees
- Vendor concentration risk you can't defend
- Benefits decisions made without actuarial-grade evidence
- Board questions you can't answer with confidence
With Kincaid, you gain:
- Evidence-backed answers with lineage to source data
- Economic accountability across vendors and partners
- Decision-grade clarity with thresholds and owners
- Governance posture that reduces quiet risk
- Control loops: measure → detect → correct → verify
The hard truth
Most employer health plans are not optimized. They are tolerated—because no one can prove what's broken.
Kincaid exists to make the invisible visible—and make inaction indefensible.
How it works (simple, ruthless, repeatable)
Think: instrument the system, quantify leakage, assign ownership, and close the loop—then keep it honest over time.
1) Evidence intake
Claims, PBM files, contracts, vendor economics, and compliance artifacts become a single, evidence-backed record.
- Source-of-truth mapping
- Data integrity checks
- Audit-ready documentation
2) Leakage + risk attribution
We quantify what's leaking, who benefits, and what's structurally at risk—then rank by impact.
- EBITDA drag quantification
- Incentive misalignment detection
- Governance risk flags
3) Decision surface (War Room)
Leadership sees the system in a decision-ready format: what is happening, what is recoverable, what is at risk.
- Clear thresholds
- Owners and timelines
- Board-ready narrative
4) Closed-loop governance
Measure → detect → correct → verify. Vendors adapt. Your governance must adapt faster.
- Control loops and follow-through
- Drift detection over time
- Repeatable savings with proof
Ready to see the evidence?
If you want a quick, executive-grade diagnostic: tell us your plan size, what you're worried about, and how fast you need answers.
Get a "Hidden Exposure" readout
You'll get a direct view of where money is likely leaking and where governance risk is quietly building—plus what to do in the next 30 days.
