Elan Insurance Group becomes the first health plan validated by the Validation Institute, demonstrating immediate claims cost reduction and sustained performance below medical trend.
For years, employers have been promised healthcare savings, yet costs have continued to rise. A new validation may signal a meaningful shift in how those promises are measured and delivered.
Elan Insurance Group today announced it has become the first health plan to be validated by the Validation Institute, confirming measurable reductions in claims costs in the first year and sustained performance below industry medical trend over time.
Unlike traditional models that rely on fragmented vendors and retrospective savings narratives, Elan’s fully integrated plan design brings together aligned incentives, clinically guided care, and independently validated partners within a single accountable platform.
This approach was evaluated across the plan’s full member population, rather than a subset, removing common distortions that often influence reported results, including regression to the mean, inflated trend comparisons, and participation bias. The outcome is a clear, measurable decline in claims costs in year one, followed by continued performance below expected industry trends.
At the core of the model is a tightly integrated structure built with independently validated partners, including Ault International Medical Management for clinical care navigation, US Rx Care for pharmacy cost transparency and optimization, and Employers Health Network for a high-performance provider network. These components operate under a unified framework with aligned incentives and are supported by A+-rated reinsurance, replacing the traditional fragmented ecosystem with a single, accountable solution.
For employers, this translates into a model designed to deliver lower costs from the outset rather than over multiple years, along with more predictable financial performance and reduced out-of-pocket expenses for employees, often including zero-dollar copays for many services. It also removes much of the uncertainty associated with year-end surplus outcomes that typically accompany conventional plan structures.
“Too many organizations claim savings without proving it,” said Al Lewis, Founder and Validator-in-Chief of the Validation Institute. “Because we back each validation with a $100,000 guarantee, it’s rare we confirm real first-year cost reductions. Elan showed true savings across an entire population using methods that avoid the usual biases. That kind of transparency and accountability is what the market has been missing.”
“Employers don’t need more complexity—they need results they can trust,” said Omar Andres Haedo, Senior Vice President of Sales & Marketing at Elan Insurance Group. “This validation reinforces that measurable, sustainable cost reduction is possible when the system is designed differently.”
ABOUT ELAN
Elan Insurance Group provides a fully integrated, level-funded health plan platform for small and mid-sized employers, focused on delivering measurable cost reductions, improved health outcomes, and simplified administration.
For more information, email omar.a.haedo@elan.insure or visit https://validationinstitute.com/validated-provider/elan-insurance/
