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Desha.ai for insurers & payers

Underwrite the behaviour that
drives outcomes.

We measure whether members actually take their medicines, in the real world, with explicit consent. That becomes a portable health score you can reward, plus a consented evidence base for risk and outcomes.

HRS
Portable credential
RWE
Consented evidence
Zero-PII
By design
payer-console, member view
Member HRS
Consent-based health responsibility score
Consent active
780
HRS, 300 to 1000
Champion

Premium reward eligible modelled

Score drivers
Medication management
35%
Engagement
30%
Condition management
20%

The opportunity

Non-adherence is an
avoidable cost driver.

When members don't take their medicines as prescribed, outcomes worsen and costs rise. Most of it is preventable.

~50%

of chronic medicines aren't taken as prescribed.

~125,000

preventable deaths a year in the US linked to non-adherence.

~$300B

up to, in avoidable annual cost across the US health system.

Figures from Pharmacy Times, NEHI and the Annals of Internal Medicine.

The HRS credential

A portable, consent-based health score.

The Health Responsibility Score (300 to 1000) behaves like a credit score for health. It's built from real medication behaviour, not self-report. With the member's explicit permission, it becomes a risk-relevant, rewardable signal.

Five weighted components

Medication management35%
Engagement30%
Condition management20%
Literacy10%
Long-term habits5%

For insurers & payers

Reward adherence. Stratify risk. Improve outcomes.

modelled / go-to-market

HRS-linked premiums & rewards

Reward adherent members with premium credits or perks tied to their HRS.

modelled / RWE

Risk stratification & outcomes-based contracting

Consented real-world adherence & persistence as model inputs.

shipped

Member engagement & retention

Multi-channel reminders + AI voice calls in 21 languages keep members on therapy.

shipped

Whole-family coverage

One account manages a household's medicines.

HRS-linked premiums/rewards and RWE-based contracting are modelled / go-to-market concepts, not shipped features. Member engagement and whole-family coverage are live in the Desha platform today.

Consented real-world evidence

Consented adherence data, with real value.

It's de-identified, consent-based and zero-PII by design. Population-scale evidence on how members actually take their medicines, across languages and regions.

Payers

Risk stratification & outcomes-based contracting inputs.

Pharma & life sciences

Real-world adherence & persistence signals.

Public health

Population adherence trends across languages & regions.

Always consent-based, de-identified and zero-PII by design. Data licensing is a modelled / go-to-market offering, not a shipped feature.

How you connect

Live on standards, not bespoke glue.

1

Member consent

Members grant a specific, revocable permission. Nothing flows without it.

2

Integrate via FHIR

HL7 FHIR R4 with OAuth2 / SMART-on-FHIR. Standards-based, with no custom plumbing.

3

Measure the lift

Track adherence, engagement and outcomes for the consented cohort.

Trust is the product

Member-controlled. Consent-first.

Member opts in

A specific, named, revocable permission, granted by the member and never assumed.

Every access logged

HIPAA-oriented activity log, so every data access is auditable.

Zero-PII by design

Identity is segregated and tokenised; analytics & shared evidence carry no personal identifiers.

Standards, not promises

GDPR-aligned, HIPAA-ready (BAA available), AES-256, HL7 FHIR R4.

8 frameworks documented in the Desha Trust Center.

Why now

Every connection makes the network worth more.

Desha already connects patients, families and clinicians on one consented graph; pharmacy, labs and payers are the next nodes. Joining early means lower acquisition cost and a defensible position as the network compounds.

PatientsFamilyCliniciansPharmacyLabsPayers

Partner with us

Reward the members who
stay on therapy.

Run a consented pilot cohort with us. Connect real adherence behaviour, and measure the lift in engagement, persistence and outcomes together.

Consent-first BAA available on request HL7 FHIR R4