The people you cover are the ones getting crushed.
in medical debt Americans are carrying, most of it on people who pay their own bills.
ICHRA enrollment growth this year. Members shop their own coverage and feel every bill.
the rate self-pay members carry medical debt versus people on employer plans.
Sources: Peterson-KFF Health System Tracker; HRA Council / HealthSherpa ICHRA enrollment data, 2026.
Detective work on every bill. Receipts for you.
Every line, examined
Agent Loop reads every line: duplicate charges, upcoding, unbundling, phantom charges for care that never happened. The overcharges your people would never catch on their own.
We take it to the provider
Straight to the billing department on your people's behalf. No phone trees, no hold music, no maze, not for them, not for you.
You see the verdict
What we caught, what we cut, and what your people kept, in a monthly savings report you can put in front of any client.
More caught. Less taken.
Most vendors take 15–35% of whatever they save and only work standard employer plans. mediloop charges one flat fee, screens for hospital charity care before negotiating, and is built for the members everyone else skips.
One benefit. Every kind of plan.
ICHRA platforms
ICHRA is the fastest-growing benefit in the country, and your members shop their own coverage, so they feel every bill personally. An embedded bill-negotiation advocate is the safety net that makes individual coverage feel safe, and a reason members renew with you instead of churning.
Health shares
Your community pays bills directly, so negotiation isn't a nice-to-have. It's core. Every dollar Agent Loop cuts before a bill is shared is a dollar your members keep. Catch the errors and negotiate down before anything is ever submitted for sharing.
TPAs & health plans
A member-facing bill-resolution benefit that cuts balance-bill noise and support tickets, and hands your account managers a documented savings story for every renewal.
PEOs & brokers
A differentiated, low-cost add-on for small-group and self-pay clients. Simple partner pricing means you can quote it in one line. No percentage math, no surprises.
Employers
Medical bills are a top source of employee financial stress. Give your team an advocate that fights for them, without touching your plan design or your budget.
Good for them. Good for you.
No spin. Just the math.
Will it lower your premiums?
For fully-insured plans, no. And we won't pretend otherwise. Small-group premiums are community-rated, so one member's bill doesn't move your rate. What mediloop does is cut what your people personally owe, lifting the medical debt that drives stress, absenteeism, and turnover, without adding a dollar to your plan spend.
For self-funded and level-funded plans, it's different: catching billing errors before the plan pays can reduce plan spend directly, and ease pressure on your stop-loss.
Free money most people never claim
About 60% of U.S. hospitals are nonprofits legally required to offer income-based financial assistance under IRS Section 501(r). Yet an estimated $14 billion a year in charity care goes unclaimed, and nearly half of nonprofit hospitals still bill patients who likely qualify.
Agent Loop screens every member for charity-care eligibility before we negotiate, so they claim the discount they're already owed, then we work the rest of the balance down.
Sources: IRS Section 501(r); Dollar For; KFF. Community-rating rules per the ACA small-group market.
Start with one bill. On us.
No demo decks, no discovery calls. The product is the demo.
Request access
Tell us about your organization. Once we've connected, we set up a free test case and send a secure link for one member. They upload the bill and e-sign the authorization themselves, so no PHI ever touches your systems.
Agent Loop investigates
Agent Loop audits every line, catches the errors, and negotiates with the provider directly. We keep you in the loop the whole time the case is open.
You see the verdict
A full savings report on that one bill. Like what you see? We launch a 90-day pilot for your people. Simple terms, no long contract.
The honest answers.
Put Agent Loop on the case for your members.
Tell us about your organization. If it's a fit, we set up a free test case on one member's bill. You'll see a real verdict before you commit to anything. No account is created until we've talked.
Prefer email? sales@mediloop.ai