Billions in stop-loss programs, governed by spreadsheets
In stop-loss and self-funded health programs, carriers delegate underwriting authority to MGUs who administer billions in stop-loss programs on their behalf. But the governance infrastructure behind that trust? It runs on spreadsheets, email threads, and quarterly retrospectives.
Smart teams make costly decisions not because they lack judgment, but because they lack signal. By the time a problem surfaces in a quarterly report, the claims exposure has already compounded. The tools haven’t kept pace with the complexity of the programs they’re supposed to govern.
The industry doesn’t need another analytics dashboard. It needs a governance layer that detects risk signals in real time, creates an evidence trail automatically, and gives MGU operators the same institutional infrastructure that carriers have always had internally.
That’s the gap Ravon was built to close.
Benjamin Prinzing
Founder & Systems Architect
Two decades in employee benefits and self-funded health ecosystems—building technology platforms that serve advisors, employers, carriers, and MGUs. Founder of Kadalyst, Kadapult, and Rover AI. Ravon grew from those years inside the ecosystem: seeing the same governance gaps across every program.
LinkedIn ProfilePrinciples that shape the platform
Governance should happen around you, not because of you
Every feature is measured against one question: does this create more work, or does it remove work while improving outcomes? If it creates work, it doesn’t ship.
Evidence over intuition, every time
Decisions in delegated authority programs shouldn’t depend on who remembers what. Ravon creates an immutable evidence trail so every action is traceable and defensible.
Built for MGUs first, not adapted from something else
Ravon isn’t a retooled analytics dashboard or a repurposed claims system. It’s purpose-built for the governance challenges that MGU operators actually face.
Technology creates governance that was structurally impossible before
Configurable thresholds, continuous monitoring, velocity detection, and time-decay signals—none of this existed in spreadsheet-driven programs. Ravon makes it automatic.
How We Build
AI-accelerated engineering on hardened infrastructure
Ravon doesn’t follow the traditional playbook of large teams writing code by hand against a deadline. We build on compliance-grade infrastructure with AI-assisted development—and the difference shows up in every layer of the platform.
Security by infrastructure, not implementation
Ravon’s backend runs on SOC 2 Type II and HIPAA-compliant infrastructure. Compliance isn’t bolted on after the fact; it’s inherited from the platform layer. Every API endpoint, every database operation, every auth flow sits inside a hardened, audited environment from day one.
AI-accelerated engineering
We use AI-assisted development to build faster, iterate sooner, and ship with fewer defects. Code is generated systematically against tested patterns—not written from scratch by individuals under deadline pressure. The result is higher consistency, fewer human-error gaps, and a development velocity that punches well above our team size.
Lean by design, not by constraint
Traditional enterprise software requires large engineering teams, months-long release cycles, and heavy infrastructure spend. Ravon’s architecture inverts that model. AI-assisted development on managed infrastructure means lower burn, faster time-to-market, and capital efficiency that compounds—every dollar goes to product, not overhead.
Why hand-written code creates governance risk
Hand-coded backends carry inherent risk: inconsistent error handling, missed edge cases, security gaps that only surface under load. In a HIPAA-adjacent domain where audit trails and data integrity are non-negotiable, that risk profile is unacceptable. Ravon eliminates it by building on infrastructure that was purpose-built for compliance-grade operations.
Ready to talk governance?
See how Ravon brings real-time signal detection and evidence-based oversight to your programs.
Request a Demo