Compass models the financial impact of VBC arrangements before ink hits paper. Set your assumptions, get a full P&L scenario in under two minutes.
Start modeling for free →The Problem
Most organizations model VBC contracts in spreadsheets that one person understands. When that person leaves, the model breaks. When both sides show up to negotiate, they're working from different assumptions with no shared structure and no audit trail.
Compass fixes the process. You define the population, set the contract terms, and see what happens to the math. Same inputs, same logic, every time.
Features
Medicare Advantage, Commercial, Medicaid, DSNP, ACA Exchange, Traditional Medicare ACO, Medicaid FFS, and Self-Funded. Each loads actuarially grounded defaults. You adjust from there.
Shared savings, provider share, MSR, risk corridors, truncation, quality withholds, stop-loss, IBNR, benchmark rebasing. Every lever that matters in a real negotiation.
One assumption is a guess. A sensitivity grid across savings rates shows where the contract breaks even, where it prints money, and where you're exposed.
A formatted financial term sheet with every assumption, projection, and regulatory citation. Export as PDF or CSV. Bring it to the table.
How It Works
Choose your line of business and contract type
Set population characteristics and risk profile
Adjust costs, utilization, and fee schedule
Define contract terms — sharing, corridors, quality gates
Set quality targets and cost structure
Review results, compare scenarios, export
Ready?
Free tier: full tool, 3 cloud saves, PDF export. Sign in for more.
Who Uses This
You're structuring a shared savings deal with a large provider group and need to model three scenarios before Monday's meeting. Compass gives you a defensible financial picture for each one — with sensitivity analysis that shows where the contract holds and where it starts to bleed.
The plan sent a term sheet. You need to know what happens to your margin under realistic utilization assumptions, not the plan's optimistic ones. Run your own numbers, stress-test the corridors, and walk into the negotiation with a counter-model that speaks the same language.
A health system hired you to evaluate their first VBC arrangement. Instead of rebuilding a model from scratch for each engagement, start with a structured framework that covers eight lines of business. Adjust the inputs, export the term sheet, present the findings. Days of setup reduced to an afternoon.
Compass is a financial modeling tool for decision support. It is not actuarial certification. It is not legal advice. It is not a substitute for qualified actuarial analysis. Every output is an estimate based on user-provided inputs and embedded benchmarks. Consult a qualified actuary for rate filings and binding contract terms.
Built by a managed care executive who spent fifteen years watching both sides of the table model VBC contracts in incompatible spreadsheets.
Runs six specialty risk books at a top-three national health plan. The models come from the contracts, not the textbooks.