We are building the definitive insurance optimization platform — applying federal-grade analytical rigor to a decision that affects every American household, every year.
Verd began in a meeting with the insurance brokers' lobby. We were there in our policy roles, and we pressed them with the questions any consumer would want asked on their behalf: when you place someone in a plan, do you consider their healthcare needs? Their actual healthcare spending? Their age, their family, their circumstances? The answer, to each question, was no. They consider the plans the brokers are told to push. That is the industry — roughly $26 billion a year in commissions — standing between most Americans and one of the largest financial decisions of their year.
We left that meeting knowing what we had to build. If you have been through Verd's intake, you have already seen it: your health conditions, your medications, how often you actually use care, your household, your income, how much risk you can carry. That form is, almost line for line, the list of questions the industry told us it does not ask. Everything Verd does downstream — the projection, the ranking, the plain-English explanation of the tradeoffs — starts from the answers no one else wanted.
We are two healthcare policy experts who have worked on Capitol Hill for over a decade. We have advised on major legislation regarding health insurance — Medicare, Medicaid, and Medicare Advantage among them — and spent those years working directly with the datasets that underpin America's insurance system: the Medical Expenditure Panel Survey, CMS plan data, IRS subsidy parameters. We have spent our careers trying to correct the failures of this industry from the policy side. Verd is what that work looks like when it is built for one household at a time.
That is the standard we hold ourselves to. Every recommendation Verd makes traces back to public federal data — MEPS utilization data, CMS plan files, IRS subsidy parameters, USPSTF guidelines. We take no commissions from insurers, ever. We never sell your data. And we show our work: the math behind your recommendation is on the page, in the same numbers we computed, not behind a curtain.
On the Hill, every proposed change to Medicare or the ACA is evaluated with careful cost analysis before anyone votes on it. Individual Americans get a four-page plan summary and a 45-day enrollment window. Verd exists to close that gap — the same analytical discipline that informs federal policy, rebuilt for one household at a time.
In this industry, trust has to be structural — not promised. Three commitments are built into how Verd works.
We take no money from insurers, earn nothing when you enroll, and hold no carrier appointments. When a plan ranks first in your results, it is because the math says so — there is no other reason for it to be there.
Every recommendation traces back to public federal sources — MEPS utilization microdata, CMS plan data, IRS subsidy parameters, and USPSTF guidelines. The same evidence base used by CBO and HHS, not proprietary industry data.
We never sell your information to insurers, brokers, or advertisers — and we never will. Your health profile exists for one purpose: powering your own analysis.
We believe no one should overpay for health insurance because the system is too complex to navigate. Every decision we make is guided by four commitments.
Every recommendation is built on real federal data — MEPS utilization patterns, CMS actuarial tables, and IRS subsidy formulas. We never estimate when we can calculate. We never assume when we can measure.
Every recommendation shows its math. You see the premium projections, the expected out-of-pocket costs by scenario, the medication pricing breakdowns. If we recommend a plan, you know exactly why.
Core plan optimization is free — permanently. The same analytical rigor available to federal policy offices should be available to a single parent in rural Ohio comparing marketplace plans at midnight.
Your health data never leaves your control. We never sell information to insurers, brokers, or advertisers. Our revenue comes from the value we provide to you, not from monetizing your medical profile.
Insurance optimization is not a recommendation problem. It is a modeling problem. Here is how we approach it.
Every recommendation displays the math behind it — the premium projections, the expected out-of-pocket costs, the subsidy estimates, and the assumptions each one rests on. You see the same numbers we compute, in the same order we compute them. If a figure cannot be traced to your inputs or a public data source, we do not show it.
The Medical Expenditure Panel Survey is the gold standard for healthcare utilization data in the United States, maintained by AHRQ with over 30,000 respondent households. We use MEPS microdata to calibrate expected utilization by age, sex, chronic condition profile, and geographic region — ensuring our projections reflect real-world healthcare consumption patterns, not industry averages.
We model every component of plan cost independently: premiums, deductibles, copays, coinsurance, out-of-pocket maximums, HSA tax advantages, and prescription costs. Each interacts differently depending on your utilization scenario. Our engine resolves these interactions to produce total-cost projections that account for plan structure, not just sticker price.
ACA premium tax credits, HSA contribution limits, and cost-sharing reductions create a complex incentive landscape. A plan that appears expensive before subsidies may be the cheapest after them. We model the full tax-adjusted cost surface, including income-based subsidy cliffs and HSA tax sheltering, to find the true optimal plan for your financial situation.
Bill checking, appeals with deadline tracking, a savings ledger, an Rx watchdog, pre-appointment checks, life-event guidance, and a mid-year plan audit — plus a full 2026 federal data refresh.
Launched at verdhealth.com with the Verd Assistant and an advisory engine for assistance programs — Medicare Savings Programs, Extra Help, CHIP, and more.
Recommendation engine covering 12 coverage types, built on federal data.
Verd is founder-led and growing deliberately. We hire for domain expertise, not headcount.
Verd was founded by two healthcare policy experts who have worked on Capitol Hill for over a decade, advising on major health insurance legislation including Medicare, Medicaid, and Medicare Advantage. They built Verd to put that experience to work for the people the system was supposed to serve — and they let the methodology speak for itself.
We're actively building our engineering and data science team. If you're passionate about healthcare, data, and building tools that matter — reach out through our contact form.
We're looking for people who understand healthcare policy from the inside — enrollment systems, regulatory frameworks, and the real-world impact of plan design. Reach out through our contact form.
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