Palantir connected what is inside a company. We connect what the whole market filed.
Palantir is a reference point; no relationship implied.
Every US insurer files its rates, rules and forms with the state. We collect those filings, take them apart page by page, and recompute premiums from each insurer's own filed formula, so a carrier can see the market the morning it moves.
Every engine we publish is checked to the cent against the filing itself: 397 engines verified as of 11-10 (336 filings + 61 rating cells).
8:00 a.m. What happened in the market? Pull that filing. Open it. Analyze it.
A pricing executive opens one screen: today's new filings, one click to the filed page, the rate change by age, and where it leaves you. demo · sample carriers, names hidden · illustrative numbers
Pricing team at a carrier? Request a pilot · [email protected]
Insurer rooms: the same customers, every carrier, every number opens to its page.
- 269 / 269 California pet live quotes matched (within $1, as published on /rooms)
- 418 / 418 New York travel live quotes matched (within $1, as published on /rooms)
- Pet · Travel · Homeowners · Auto sample rooms; names hidden, values as filed
- Two different tests: a live-quote match checks the final price a shopper sees; a to-the-cent check reproduces the filing's own worked examples.
Medigap, dental, vision, pet, travel, health add-ons, auto, home, life, annuity.
Target: every US rate filing, about 8 million, collected and analyzed. target
| Line | Filings indexed | Engine targets | Engines built | Verified to the cent (unit) |
|---|---|---|---|---|
| Medigap | 6,877 | 2,373 | 699 | 293 filings |
| Dental | — | 2,017 | 373 | 28 cells |
| Vision | — | 709 | 183 | 11 cells |
| Health add-ons | — | 3,097 | 79 | 3 cells |
| Pet | 19,943 | 1,789 | 212 | 7 cells |
| Travel | 14,495 | 1,780 | 209 | 12 cells |
| Home | 194,100 | 9,137 | 73 | 23 filings |
| Auto | 292,438 | 10,905 | 61 | 20 filings |
| Health (all) | 513,704 | — | — | — |
| Life | 167,132 | indexed | — | — |
| Annuity | 190,485 | indexed | — | — |
| All | 1,407,553 | 37,833* | 1,889 | 397 (336 filings + 61 cells) |
Carriers first, then agents, then consumers.
The morning console
console: demo · rating engines: verified · filing drafts: planned · on-premise: planned
Competitor filings as they are collected (daily), rates recomputed from the filed formula, and a first draft of your next filing. Installed inside the carrier.
See it →
Every filed price, at the point of sale
The same customer priced by each insurer's filed formula, with the filed wording beside it.
How a premium is proved →
Compare what each insurer filed
And see what a policy and its filing say about a denial. Reading the record is free for individuals.
Claims →Labelled by how far it has been checked.
Premiums computed from the insurer's filed formula.
We read the rate filing, rebuild its tables and factors, and compute the premium the way the filing says. Rows verified against the filing's own worked examples are marked; live quotes are checked where they exist.
Two places the numbers are already public.
The same 20 pets, priced by six carriers
Step by step from each filed algorithm. Live quotes matched: 269 of 269 (within $1, as published on /rooms). Names hidden; values as filed.
Open the pet room →Where the engines stand, with the misses counted.
| Line | Engine targets | Engines built | Verified to the cent (unit) | Not yet = built − verified |
|---|---|---|---|---|
| Medigap | 2,373 | 699 | 293 filings | 406 |
| Dental | 2,017 | 373 | 28 cells | 345 |
| Vision | 709 | 183 | 11 cells | 172 |
| Health add-ons | 3,097 | 79 | 3 cells | 76 |
| Pet | 1,789 | 212 | 7 cells | 205 |
| Travel | 1,780 | 209 | 12 cells | 197 |
| Home | 9,137 | 73 | 23 filings | 50 |
| Auto | 10,905 | 61 | 20 filings | 41 |
| All | 37,833* | 1,889 | 397 (336 filings + 61 cells) | 1,492 |
*Engine targets total includes lines not listed.
Medigap misses by first cause: rounding order not stated in the filing 217 · no rating chain 48 · scanned pages 15 · no rate table 14 · other or not yet classified 112. No value is shown as a match until it reproduces the filing.
The same customer, every insurer's filed price, side by side.
An agent sees what each carrier filed for this customer, and the filed wording behind it, at the point of sale. Built on the matched lines first.
Answer a few questions about what happened. Get one page: the deadline when the rules give one, your next steps, the papers to gather. Information only — we do not file or send anything for you.
A denial letter quotes a reason. The policy and its filing are on the record.
We put the policy wording and the filed form next to the denial letter, so you can see what they say. Whether to appeal stays your decision.
In health insurance, denials are common and appeals are rare.
These are ACA health plan figures. The lines we price today are Medigap, dental, vision, health add-ons, pet, travel, home and auto; denial rates for those lines are not shown here.
The pages a claim turns on, sorted by type.
- Policy form pages · the coverage wording the insurer filed with the state
- Claim rules · how to claim and the deadlines, where the filing states them
- Claim forms, EOB and prior-authorization pages · located by filing and page
- Codes · the denial and remark codes a letter uses, explained in plain words
Information only, not legal advice. The plan or agency decides each case. Reading the record is free for individuals · no ads · we never file, send or negotiate anything for you.