Curv: Deidentified Data Interpretation
Overview
Curv is an engine that uses predictive models to assign a relative risk score to a group of individuals using deidentified prescription histories and medical data. Insurers use Curv for group underwriting (health, life, disability), market segmentation, and inforce analysis. ACA plan carriers use it for risk adjustment reimbursement optimization.
Key Features
Curv can bend and flex to accommodate any book of business, manual ratings factors, and statewide benchmarks, delivering tailored value and exceptional ROI to carriers in several categories:
Level-funded and self-funded
Associations and multiple employer welfare arrangements (MEWA)
Professional employer organizations (PEO)
Fully insured (with partially credible or no claims experience)
Captive
Stop loss
Key Benefits
A single, actionable risk metric for fast and easy quotes
Safe absorption of first-year plans into existing blocks of business
Freedom from cumbersome rate table manuals
AI-assisted risk selection and protection from “unintuitive” risks you can’t see