Value-based care platform for self-insured employers
XO Health builds a data-driven platform for self-insured employers to manage healthcare costs and outcomes. The tech stack reveals a hybrid cloud architecture (AWS + Azure) with ServiceNow as a central operational hub—the company is actively implementing ServiceNow's claims and healthcare modules alongside a parallel data platform (Kafka, OpenSearch, AWS data lake). This dual-track approach (operational systems + analytics infrastructure) maps directly to their core challenge: managing risk and high-cost claims requires both real-time claims processing and historical pattern analysis.
XO Health serves self-insured employers—companies that assume direct financial risk for employee healthcare rather than purchasing traditional insurance. The platform addresses the operational and financial complexity of that model: managing stop-loss and reinsurance strategies, optimizing claims workflows, and surfacing cost and quality data to support provider contracting and member outcomes. Founded in 2021, the company operates from Alpharetta, GA with a small, senior-weighted team (5 leadership/principal roles) and active hiring in sales and engineering, indicating early-stage scaling. The product stack spans claims processing (ServiceNow), data analytics (Kafka, AWS/Azure cloud), and member/provider applications (modern JavaScript frameworks).
Primary: .NET, C#, Java, React, Angular, Vue, GraphQL, AWS, Azure, ServiceNow, Kafka, SQL/NoSQL, AWS OpenSearch. Actively adopting ServiceNow for claims/healthcare modules. Infrastructure: Jenkins, Terraform, CloudFormation, Azure DevOps.
ServiceNow platform implementation for healthcare insurance operations; risk-sharing and stop-loss strategy management; scalable data pipelines and cloud data lake integration (AWS + Microsoft 365); AI strategy development.
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