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New analysis finds HPS/PayMedix employer health plans outperform national benchmarks, reduce costs, and improve access to care for employee populations.
PayMedix, a leading healthcare payments platform, released new data showing that employers using its solution are achieving significantly lower medical trends, improved care utilization patterns, and more equitable access to healthcare compared to national benchmarks.
The longitudinal analysis, independently validated against the 2025 Milliman Medical Index, shows that PayMedix employer groups are controlling healthcare costs while maintaining consistent access to care across all employee populations– regardless of financial or credit profile.
“In today’s environment, where healthcare costs continue to rise, employers need solutions that address both affordability and access, said Tom Policelli, CEO of PayMedix. “This data reinforces that when financial barriers are removed, employees seek care earlier, outcomes improve, and costs stabilize over time.”
Key Findings from The PayMedix Analysis
Lower medical trend compared to national benchmarks
PayMedix employer groups experienced a 4.5% annual medical trend, nearly half of the 8.8% national benchmark, demonstrating a meaningful reduction in healthcare cost growth for employers.
Shift toward lower-cost care settings
Members using PayMedix accessed more care in professional and non-hospital settings (48% vs 35%). They showed reduced reliance on inpatient (14% vs 22%) and outpatient hospital care (33% vs 41%), signaling earlier intervention and more efficient care delivery.
Consistent access to care across credit profiles
Healthcare utilization remained steady regardless of credit score, even though nearly 25% of members would not qualify for traditional financing. By removing upfront costs and simplifying payments, PayMedix ensures all employees can access care when needed.
Reduced delays in care over time
Member behavior shifts over time, with less tendency to delay care until later in the year. By year five, healthcare spending is evenly distributed across quarters, indicating more proactive and consistent care utilization.
“Across every measure, the results are aligned – lower costs for employers, better access for employees, and predictable, complete payments for providers,” said Brian Marsella, President of HPS/PayMedix. “That alignment is what drives long-term sustainability in healthcare.”
For health plans and network builders, a better financial system exists.
Alignment in healthcare payments delivers lower costs, better access, and a simpler experience across the board. Explore how PayMedix is reshaping healthcare payments – or start a conversation with our team.
