Health insurance infrastructure. Built without replacing a thing.
A modular layer that lets insurers launch products, pricing, and workflows faster — without rebuilding core systems.
$90B+
Annual admin waste
24mo
Average launch cycle
1,200+
Regional carriers
Legacy systems have made speed a luxury insurers can't afford.
Health insurers are trapped between the systems they can't change and the market they can't keep up with.
$90B+
Annual administrative waste
US health insurers spend over $90 billion each year on redundant administrative processes — most of it tied to fragmented, unmovable legacy infrastructure.
24 mo
Average product launch timeline
Bringing a new health product to market takes two years on average. By the time it ships, the market has moved — or a new entrant has filled the gap.
67%
Core modernization projects that fail
The majority of full-stack legacy replacement projects go over budget, miss scope, or are cancelled. Insurers are stuck — unable to rebuild, unable to stand still.
The result: regional and mid-size carriers are losing ground to nimble new entrants — not because they lack capital or talent, but because their infrastructure won't move fast enough.
A smarter layer on top.
Vaya sits above your core systems without touching them. Insurers retain ownership of underwriting, compliance, and data — Vaya makes launching on top of all of it fast.
System Integrations
Connect to your existing core platform through standardized APIs. No migration required. No rip-and-replace.
Modular Product Config
Define benefits, pricing rules, and eligibility logic using composable configuration blocks — not custom code.
Launch Orchestration
Coordinate approvals, filings, and go-live workflows across teams without rebuilding internal processes.
Insurance Products
New products, pricing, workflows — shipped in weeks
Vaya Layer
Integrations · Product Configuration · Launch Workflows
Legacy Core Systems
Underwriting · Compliance · Member data — untouched
Three steps. Zero disruption.
Vaya is designed to fit into how insurers already operate — not force a transformation they're not ready for.
Integrate without migrating.
Vaya connects to your existing core platform — claims, policy, billing — through standardized API adapters. Nothing in your system of record moves. There's no migration, no rip-and-replace, no multi-year transition.
Define products in weeks, not quarters.
Use Vaya's modular configuration layer to model benefit structures, pricing logic, eligibility rules, and approval workflows. Configuration, not custom code. Composable building blocks that can be audited, versioned, and reused.
Ship faster than your competitors.
Vaya orchestrates your go-live: regulatory filing workflows, member communication, partner integration, and internal approvals — all coordinated through a single launch layer. Products that used to take two years now take weeks.
Ready to see it in your environment?
Pilots start at $50K. First integration live in under 90 days.
Three forces that make this moment inevitable.
The window to establish category leadership in health insurance infrastructure is open — and closing.
CMS Interoperability Mandates
Federal requirements under the CMS Interoperability and Prior Authorization Final Rule are forcing insurers to open their data and modernize integrations by 2026. Compliance is mandatory. Vaya makes it a strategic advantage.
Carrier Consolidation
As M&A reshapes the regional carrier landscape, speed-to-market has become existential. Carriers that can launch differentiated products win shelf space. Those that can't consolidate into someone else's platform.
Product-First Competition
New entrants — ICHRA platforms, specialty insurers, employer-sponsored innovations — are launching narrowly-targeted products at a pace traditional carriers cannot match with legacy infrastructure. The gap is widening every quarter.
The opportunity: the market conditions that created demand for AWS-style infrastructure in financial services are now present in health insurance. The category doesn't exist yet. Vaya is building it.
The gap that enterprise vendors ignore.
Regional and mid-size health insurers are too large for simple SaaS tools and too small to justify enterprise rip-and-replace projects. They've been stranded between extremes — until now.
Too large for broker-grade tools
Too small for Oracle or Epic modernization budgets
Too regulated for generic cloud platforms
Too complex for no-code configuration tools
$890B
US health insurance market
1,200+
Regional & mid-size carriers
$2-5B
Serviceable addressable market
Market Positioning
Pricing that matches how insurers buy.
Start with a scoped pilot. Expand to full platform infrastructure. Scale with membership.
$50K–$100K
one-time
Prove it works inside your infrastructure.
A bounded, paid engagement scoped to a single product or workflow integration. Delivers a live configuration in under 90 days with defined ROI benchmarks.
- Single integration endpoint
- One product configuration
- Dedicated implementation support
- Success metrics and readout
$150K–$300K
per year
Full infrastructure. Unlimited product velocity.
Full deployment of the Vaya modular layer across your product portfolio. Ongoing access to all integrations, configuration modules, and launch orchestration tools.
- All core system integrations
- Unlimited product configurations
- Launch orchestration workflows
- Priority support and roadmap access
Variable
usage-based
Scales with your membership and product line.
Per-member and per-product pricing tiers that grow with your business. Designed for carriers with large membership bases or diverse product portfolios.
- Per-member pricing tiers
- Per-product module licensing
- White-label API access
- Enterprise SLA and support
All contracts include implementation support, SLA guarantees, and dedicated customer success.
Disciplined expansion. Defensible category.
Vaya enters through paid pilots — not free trials. Every engagement builds a reference, a playbook, and a path to platform revenue.
Phase 1
2024 – 2025
Phase 1
· 2024 – 2025Paid Pilots
Partner with 3–5 regional insurers for structured, paid pilot engagements. Each pilot is scoped to a single product launch or workflow integration. Pilots generate revenue, validate the platform in real infrastructure environments, and produce repeatable case studies.
Phase 2
2025 – 2026
Phase 2
· 2025 – 2026Regional Expansion
Convert pilots to annual platform contracts. Scale to 20+ regional carriers using a standardized implementation playbook. Build a partner channel through regional health plan associations and benefits consultants.
Phase 3
2026+
Phase 3
· 2026+Category Ownership
Establish Vaya as the default infrastructure layer for regional health insurance. Build a developer ecosystem around the platform — third-party product builders, actuarial tools, and compliance modules that extend Vaya's capabilities.
Every regional insurer runs on Vaya.
Vaya becomes the infrastructure layer insurers build on top of — not another tool they log into. The picks-and-shovels of the next generation of American health insurance.
Built for the infrastructure era of health insurance.