Open Ocean Health, Inc. has built the next generation payer platform
Built for the first time in more than three decades, specifically for small group employers. Now they can sponsor healthcare programs transparently and drive consumer-driven healthcare practices, with financial rewards for producing better outcomes and more wellness.
A modern, AI-driven health insurance benefits platform that helps employers manage health plans, control costs, connect their workforce with the right care at the right time, and increase productivity.
How we're different from the status quo
Large insurance carriers and the federal PPACA ("ACA") programs falsely claim these same attributes, and they have failed to change healthcare's antiquated and unaffordable course.
Open Ocean Health is built differently. By combining AI technology with payer infrastructure, employer plan management, and integrated care navigation — and through strategic partnerships, extensive resources, and a proven management team — we use federal ERISA law and Constitutionally protected tribal sovereign law to deliver on our promises to employers and their valuable workers.
Partner programs
Founding Belief
Healthcare can only be made more affordable when patient–doctor interactions occur directly, without any middlemen, and measured outcomes are recorded.
Read the full founding belief
Only through protected, HIPAA-compliant patient records made available to patients and insureds — who are personally responsible as true consumers of their healthcare — can a healthier workforce and nation come about.
Government-sponsored healthcare has never produced anything but higher costs and bad outcomes. Monopolistic companies have produced a non-competitive environment that is not much better.
Open Ocean Health's foundational beliefs are total transparency, insurance used to cover high-cost, infrequent medical events, and protection of workers' hard-earned assets. Only with the best technology, financial discipline, and strict codes of governance — designed to work together rather than as disconnected systems — can these foundational goals be realized.
Our purpose
To rebuild employer-sponsored healthcare for the small group employer, fund employee-owned Health Savings Accounts to the maximum, and educate employees about financial incentives for maintaining and achieving better wellness.
Why this matters now
83% of small group employers still use high-cost, unaffordable, and unsustainable traditional fully insured health plans.
Health insurance dominated the employer marketplace for so long that a frustrated American public asked for socialized healthcare in 2010 — and we now know it does not work. Today's large health insurers lack transparency, run antiquated and inadequate technology, and abuse providers, whether health systems or physicians.
Open Ocean Health has learned how to affordably insure America's small group employer, and since 2014 has achieved that outcome — through existing law, the growth of AI technology, and innovative medical advances, driven by knowledgeable, paying consumers who carry affordable coverage for catastrophic medical events.
Our vision
To help establish a sustainable alternative to the traditional U.S. employer healthcare model — a modern healthcare ecosystem integrating insurance, technology, preventive care, sovereign partnerships, and responsible corporate governance. Open Ocean Health uses proven strategic partners with best-in-class methods and pays them "fair and fast." Many of these strategic partners have become owned by Open Ocean Health.
Our mission
To build the integrated infrastructure that empowers employers to deliver better healthcare at lower cost, while improving long-term health outcomes and expanding access to affordable coverage — including utilizing Health Savings Accounts, and all the favorable tax benefits they deliver, so employees own and control their retirement fund.
The Platform
One platform across the payer value chain
The Open Ocean Health platform brings the pieces of employer-sponsored coverage — the plan, its management, and the member's path to care — into one connected system.
The plan itself
Employer-sponsored group health coverage with plan designs built around affordability and payment discipline.
Administration that runs itself
Eligibility, billing, claims, and member services handled on one system — with AI executing routine administrative work under human accountability, regulatory compliance, and full audit trails.
The right care at the right time
Proactive WELLCURE engagement that prioritizes wellness, education, and early intervention — preventing illness before it occurs.
Who We Serve
Built for Everyone
Employers, their employees and families, and the many strategic partners who serve the employer clients and make it all work — from the same platform.
Employers
Support workforce wellbeing through proactive WELLCURE engagement — while managing plans and controlling costs from one place.
Learn more →Employees
Access tools and insights that support long-term health, with care navigation that meets you where you are.
Learn more →Partners
Collaborate as the payer with providers, technology vendors, financial partners, and others to deliver integrated WELLCURE services. NO EXCUSES, NO DELAYS, and NO NO's.
How we work with partners
We work directly, and indirectly through the partners we work with: brokers, providers, tribal sovereign partners, and reinsurance carriers. We transparently introduce — or at times will work to create — a new platform that gets the job done.
Our Values
Principles first. Products second.
Lasting enterprises are built first upon principles. These commitments guide every decision made across Open Ocean Health and its affiliated companies.
Stewardship
We safeguard the trust placed in us by employers, members, tribal nations, providers, investors, and communities.
Transparency
Clarity creates confidence. We work to make healthcare, insurance, pricing, and technology decisions understandable.
Prevention
The best healthcare intervention is the one that prevents illness before it occurs. The best ocean lifeguards NEVER GET WET!
Partnerships
We succeed by strengthening relationships between patients, providers, employers, tribal nations, advisors, reinsurers, and strategic partners — many of whom become owned by Open Ocean Health.
Accountability
Every decision has an owner. Every leader is accountable. Every employee knows the insured is always right — and we are the ones who make right work.
Innovation with Purpose
We innovate only when innovation creates measurable value for employers, members, providers, and communities. AI augments our capabilities while preserving human accountability. We also highly regard and conserve proven methods and modalities that work in the insureds' and patients' best interests.
How We Decide
Seven questions before every significant decision
Most companies publish their values. We also publish the test every initiative has to pass.
- Does it improve affordability?
- Does it increase transparency?
- Does it improve health outcomes?
- Does it strengthen trust?
- Does it align with our mission to exceed the insured's and patient's wants and needs?
- Does it respect and adhere to our legal and sovereign responsibilities?
- Can it be sustained responsibly over time — for the least among us?
No short-term opportunity should compromise these commitments — because it would undermine our core values and the legacy we are building.
About
Get to know Open Ocean Health
Watch these videos to learn more about us.
From Our CEO
"Open Ocean Health was founded on the belief that America's healthcare insurance industry can be rebuilt through better economics, stronger governance, and modern technology. America should be the world leader of healthcare, exporting it globally. The days of parochial healthcare delivery systems and laws no longer suffice. The US CONSTITUTION gave the NATIVE NATIONS their sovereignty — and because of that single event, it is the NATIVE AMERICAN NATIONS that are now saving America's healthcare system, and even America's promise to 'continue its pursuit of happiness.' Lasting enterprises are built first upon principles — and only then upon products."Pat DileoCEO and Chairman of the Board
Medical Foundation
Proactive WELLCURE, grounded in medicine
The platform's WELLCURE approach is anchored by our strict commitment to sound Medical Foundational Beliefs — connecting plan design and care navigation to sound clinical guidance.
Better health begins with awareness, driven by consumers who directly pay their chosen doctors to achieve desired outcomes. America must be healthy and productive to survive in a global economy. Today, America spends nearly 20% of its GDP on healthcare. It is unsustainable!
Start Your Proactive WELLCURE Journey
Better health begins with awareness.
Start Your Health JourneyContact
Talk to Open Ocean Health
Employers, employees, and strategic partners — reach out and we'll route you to the right team.
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