Catilize Health®: Stop Overpaying for Healthcare

Discover the SIHRA® Advantage — The Proven Alternative to Traditional Health Plans

For decades, hospital employers have been squeezed by skyrocketing employee healthcare costs — now $15,000–$30,000 per person each year, quickly swelling into millions for larger organizations. Frontline staff — nurses, technicians, and support personnel — face mounting pressure.

A Forbes article reports that 62% of healthcare workers live paycheck to paycheck. With high-deductible plans becoming the norm and out-of-pocket expenses reaching $4,000–$6,000 or more, families are facing financial strain. CFOs and HR leaders see renewal rates climb, budgets tighten, and employee morale dip. The status quo can no longer continue.

“TWO DECADES OF EXPERIENCE HELPED US PERFECT SIHRA®—CUTTING EMPLOYER COSTS BY 15–50% AND DELIVERING 100% BENEFITS TO EMPLOYEES”

A Smarter Solution: The SIHRA® Model

SIHRA® targets the “low-hanging fruit” of duplicate-spouse coverage — identifying employees who qualify under a working spouse’s plan and incentivizing them to switch. Once enrolled, Catilize reimburses all qualified out-of-pocket expenses for employees and their families at 100%, eliminating the financial burden entirely.

“SIHRA® cuts employee healthcare spending by 15–50% without shifting any burden onto employees — eliminating all out-of-pocket costs while delivering predictable savings and stability to healthcare organizations.”
— Craig Lack, CEO, Catilize Health®

SIHRA® redefines healthcare risk financing as predictable, sustainable, and compassionate, giving hospitals control while ensuring employees receive the care they deserve. It not only arbitrages risk but generates meaningful cash flow from domestic utilization every year moving forward.

Perfected Over Decades

Founded on Kevin O’Kane’s vision in 2000, SIHRA® has been Catilize Health®’s singular focus for more than two decades. Through continuous refinement, testing, and demonstrated success, Catilize has developed the nation’s leading high-cost reduction solution for healthcare organizations — and remains the only U.S. company exclusively administering SIHRA®.

“Two decades of experience helped us perfect SIHRA® — cutting employer costs by 15–50% and delivering 100% benefits to employees.”
— Craig Lack, CEO, Catilize Health®

Over 100 hospitals and health systems have trusted SIHRA®, saving millions while transforming everyday care needs into financial wins.

Guaranteed Advantage Over Traditional Plans

“The critical edge SIHRA® holds over traditional plans is simple: increased profit and surplus — not hypothetical, but guaranteed.”
— Craig Lack, CEO, Catilize Health®

How It Works

• Domestic Claims: Employee procedures stay in-network but are billed to the spouse’s insurer at full commercial rates — converting internal costs into new revenue.

• 340B Pharmacy Program: Specialty medications billed through the spouse’s plan generate additional income.

“SIHRA® changed my life — I can now afford prescriptions, avoid debt, and finally save for my family’s healthcare needs.”
— Licensed Vocational Nurse, California Hospital

From Financial Risk to Financial Resilience

Traditional plans expose hospitals to unpredictable high-cost claims — NICU stays, specialty medications, and major treatments that can reach millions.

SIHRA® flips the script. By replacing a $1 million stop-loss deductible with the 2025 ACA out-of-pocket maximum of $9,200, hospitals avoid $990,800 in exposure on a single $2.5 million claim. When billed through the spouse’s insurer, the cost disappears — and the hospital generates real cash flow.

Key Benefits

• Lower annual spending: Traditional plans average $15,000–$30,000 per employee; SIHRA® cuts that to $3,500–$6,500.

• New revenue: Domestic claims become a profit center.

• Budget certainty: Hospital liability is capped at out-of-pocket limits.

• Boosted EBITDA: Reduced costs and new revenue lift performance.

• Reinvestment: Savings flow back into patient care, technology, and staff wellness.

Turning Surplus into Security

SIHRA® savings help hospitals strengthen employee financial futures without increasing payroll. With Americans estimating they need $1.46 million to retire — yet holding only $115,000 on average — hospitals can reinvest savings into 401(k) matches and wellness programs that truly close the retirement gap.

Many Catilize Health® clients have gone 4 to 15 years without a single premium increase, while the market continues to face 3–6% annual hikes. Every raise now goes to employees’ paychecks — not rising healthcare costs.

Growth with Purpose

Catilize Health® continues to expand across industries, serving employers from mid-size groups to corporations of over 150,000 employees. CEO Craig Lack personally meets with executives nationwide, showcasing SIHRA®’s proven financial impact.

“SIHRA® has transformed our financial outlook — strengthening reserves and unlocking new revenue streams we never thought possible.”
— CFO, Large Hospital System

Extending the Impact

Catilize Health® is launching a nonprofit foundation that shifts claim risk off hospital budgets while offering interest-free employee loans for essential needs — from car repairs to medical expenses.

This ensures every team member can access care, support their families, and work free from financial fear.

“This is healthcare exactly as it should be — sustainable, secure, and profoundly human.”
— Craig Lack, CEO, Catilize Health®