Preventing the "US Infection" in Your Health System.
National healthcare covers the medical bills, but it doesn't cure the commercial friction. We help governments and global employers design Commercial Architectures that strip out hidden incentives, align broker behavior, and protect the financial integrity of your system.
Why hire a US Consultant if you have a National Health System?
It seems counter-intuitive. The US system is the most expensive in the world. Why listen to us?
Because we know exactly how it got that way.
In many international markets—even those with robust public healthcare (UK, MENA Region, EU)—the "Commercial Layer" is quietly eroding value. While the government pays for hospitals, the private sector (Brokers, Insurers, TPAs) still manages:
Ancillary Lines: Life, Disability, and Critical Illness coverage.
Supplemental Health: Top-up plans for executives and expats.
Administration: The flow of premiums and claims.
The Risk: Global brokers are importing "US-Style" incentive models—hidden overrides, commission-based steering, and volume bonuses—into your market. These incentives inflate costs and distort advice, turning your "efficient" system into a profit engine for intermediaries.
Health Compass Consulting serves as your "Commercial Inspector." We identify these leaks and design the regulatory or corporate frameworks to plug them.
Our Services
Regulatory Framework Design (For Governments & Ministries)
We don't just advise on policy; we stress-test it against commercial reality. We help regulators draft "Market Conduct Rules" that:
- Define Fiduciary Duty: Codify the legal obligation of brokers to the client, not the carrier.
- Decouple Profit from Inflation: Design administrative payment models (PEPM) that remove the incentive for claims inflation.
- Create Structured Pathways: Build safe, solvent frameworks for Self-Funding and Reinsurance adoption.
Global Benefit Optimization (For Multinational Employers)
Even if your medical plan is government-funded, your Life, Disability, and Accident plans are likely private—and likely filled with "fat."
- The "Trojan Horse" Audit: We analyze your ancillary lines to expose where brokers are hiding revenue to subsidize their low margins on medical plans.
- Unbundled Procurement: We help you procure Life and Disability coverage directly, removing commission friction and "steering" bias.
Broker Transformation & Training
We help markets evolve from "Sales-Based" to "Service-Based." We provide the training and operational playbooks to help local brokerage industries transition from selling products (Commission) to selling advice (Fees).
- Market Alignment: We design revenue models that allow brokers to be rewarded for solving employer challenges.
- Define Scope of Service: We help brokers develop a scope of service based on market needs and capabilities.
Don't Just Take Our Word For It.
We're proud to partner with forward-thinking organizations, from rapidly growing private equity-backed technology companies to established enterprises with thousands of employees. Here's what some of our clients have experienced:
Led by Donovan Pyle
CEO & Principal Architect
Donovan is a nationally recognized voice on Fiduciary Standards and Healthcare Supply Chain Integrity.
As a featured expert in Bloomberg Law and a strategic advisor to government entities on health financing reform, Donovan brings a unique "Insider/Outsider" perspective. He understands the mechanics of the US commercial market intimately—and uses that knowledge to help international clients build firewalls against the same inefficiencies.
"We cannot build a Value-Based health system on a broken Commercial Foundation. If the broker is paid to sell volume, the system will never deliver value." — Donovan Pyle
Secure Your Commercial Foundation.
Whether you are a Ministry of Health defining the rules for the next decade, or a Global CHRO managing a fragmented benefits portfolio, the commercial incentives must be aligned.