Turn Healthcare Cost Leakage into a Competitive Advantage.
CHA Health extends your cost-containment strategy to the household level — recovering dollars traditional audits miss, reducing fiduciary risk, and differentiating your TPA offering without adding headcount.
The TPA Problem: Cost, Risk, and Operational Drag
7–10% Leakage
Self-insured employers lose billions annually to billing errors, overpricing, and improper payments — costs TPAs are expected to manage.
Source: CMS FY2024 Improper Payments; KFF
Fiduciary Scrutiny
ERISA and CAA enforcement now expect documented, ongoing oversight of healthcare spend — not just passive administration.
Source: CAA; ERISA litigation trends
Billing Confusion
70% of members spend more than 2 hours resolving billing issues, driving low-margin, high-friction calls to TPAs and HR teams.
Source: Zelis + Hanover Research (2023)
Where TPAs Stop — CHA Health Starts
TPAs Do Macro Audits. CHA Health Handles the Last Mile.
| Traditional TPA | Coverage Gap | CHA Health |
|---|---|---|
| Network discounts | Misses line-item errors | CPT-level AI bill audits |
| Eligibility checks | No household visibility | Member-submitted bill review |
| Pay-and-chase recovery | Reactive & slow | Pre-payment dispute automation |
| Call-center support | High cost | Self-serve dispute workflows |
| Aggregate reporting | Limited proof | Documented audit & dispute logs |
Why TPAs Partner with CHA Health
Cost Containment You Can Prove
- Recover dollars after claim adjudication
- Deliver visible, employer-understandable savings
- Strengthen renewal and broker conversations
Fiduciary Protection
- Documented audit trails aligned with ERISA & CAA
- Evidence of prudent cost oversight
- Reduced litigation and reputational exposure
Operational Relief
- Fewer billing-related escalations
- Shorter call times when escalations occur
- No new TPA workflows or staffing required
Market Differentiation
- Move beyond commoditized administration
- Offer visible financial protection to members
- Differentiate without rebuilding your tech stack
Flexible Partnership Models Built for TPAs
CHA Health expands your value proposition without expanding your operating costs.
Bundled Benefit
Included to increase employer retention
Voluntary Benefit
Zero TPA cost with revenue share