Healthcare Data Built for Benefits Professionals
From raw MRF ingestion to enriched rate benchmarks — every product Altitude Intelligence offers starts with public Transparency in Coverage data and ends with market intelligence that providers, advisors, and plan sponsors can actually use at the table.
The Regulatory Foundation
The Transparency in Coverage final rule (45 CFR Parts 147, 158, and 160) requires most group health plans and health insurance issuers to publicly disclose negotiated rates, out-of-network allowed amounts, and prescription drug pricing in machine-readable format.
The Consolidated Appropriations Act of 2021 (CAA) extended these requirements and added enforcement mechanisms. Together, these rules mandate disclosure of more healthcare pricing data than has ever been publicly available.
Altitude Intelligence's products are built entirely on these public disclosures — no licensed databases, no scraped data, no gray-area sourcing. Learn more at CMS →
Our Data Products
Purpose-built for the way benefits professionals work — not the way data engineers do.
Rate Benchmark Intelligence
Know what payers pay your competitors — before you negotiate
Normalized negotiated rates across payers, geographies, and plan types — mapped to procedure codes, provider NPIs, and facility types. Purpose-built for managed care contracting teams that need market data to negotiate from a position of strength.
- Payer-specific rate benchmarks by market
- CPT/HCPCS code coverage
- Provider & facility-level comparisons
- Geographic segmentation (state, MSA, ZIP)
- Updated on regulatory cadence
Network Analytics
See every provider a plan covers, and what they're paid
In-network provider directories cross-referenced against negotiated rates — enabling network depth analysis, steerage modeling, and access adequacy assessment.
- NPI-linked provider records
- Specialty-level breakdowns
- In- vs. out-of-network rate comparison
- Plan-level network mapping
- Historical trend data
Employer Benchmarking Reports
Custom reports for plan sponsors and their advisors
Structured analysis comparing your plan's rates against peer employers, regional markets, and payer baselines — delivered as a ready-to-present report.
- Named plan analysis
- Peer cohort benchmarking
- Renewal cycle scheduling
- Broker/consultant white-label option
- Executive summary included
Subscriber Data Portal
Self-serve rate intelligence, on demand
A web-based portal for browsing, filtering, and exporting rate data without a data team. In development — join the waitlist to be notified at launch.
- No-code data exploration
- Custom filters and exports
- Saved searches and alerts
- Dashboard and reporting views
- API access included
Frequently Asked Questions
What is a machine-readable file (MRF) under Transparency in Coverage?
A machine-readable file is a digital file in a standardized, open format that can be imported and read by a computer system. Under TiC, health insurers must publish MRFs containing negotiated rates and other pricing data.
Who is required to publish Transparency in Coverage files?
Most group health plans and health insurance issuers subject to ACA market reforms — including employer-sponsored plans, individual/small group, and large group market plans.
How often are TiC files updated?
In-network rate files and out-of-network allowed amount files must be updated monthly under the rule. Altitude Intelligence tracks and ingests these updates continuously.
Is Transparency in Coverage data HIPAA-protected?
No. TiC data consists of publicly mandated disclosures about negotiated rates — it contains no protected health information (PHI). Working with this data carries no HIPAA risk.
What file formats do TiC MRFs use?
TiC MRFs are typically published as JSON or gzipped JSON (.json.gz). Payers have significant latitude in implementation, leading to major variation — which is the core problem Altitude Intelligence solves.
How is Altitude Intelligence different from reading raw MRF files ourselves?
Raw TiC MRF files from major payers can exceed several terabytes. They require significant data engineering to parse, validate, deduplicate, and normalize. Altitude Intelligence delivers clean, structured, analysis-ready data so your team can focus on insights.
Ready to see the data in action?
Request a sample dataset or schedule a product walkthrough.