Solutions
SWFT Health's mission is to build a sustainable healthcare system for future generations. We source the cool, new innovations that will power that future healthcare system and create the strategic focus necessary for their widespread adoption. While the list below is not all encompassing, SWFT Health believes every participant in the healthcare system should have some understanding and strategic focus inclusive of these solution areas. If you are ready to act and transform your organization or health plan to build and benefit from a better healthcare system, use SWFT Health to seize that better future.
Essential Benefits
The most cost-effective healthcare is the care that never has to happen. SWFT believes it is essential to invest in the upstream drivers of health — nutrition, physical activity, and sleep — to meaningfully reduce the chronic disease burden that dominates employer claims spend. Culture and programs that support these key drivers of health are the most essential benefit.
Direct Care
Direct Care models — where employers partner directly with providers outside traditional insurance — are the central engine of value in the future healthcare system. By removing the fee-for-service intermediary, Direct Care creates the relationship and financial alignment that transforms care delivery.
Centers of Excellence
For high-cost, high-complexity procedures — cardiac surgery, orthopedics, oncology, dialysis, transplants — the evidence is clear: where care happens matters as much as what care happens. Centers of Excellence (COEs) are provider partners that have demonstrated superior outcomes and total cost performance for specific procedure categories.
Complex Care Network
When Direct Care and Centers of Excellence can't cover every need, a strong national network remains essential — but the future healthcare system doesn't accept it as-is. The network of the future is actively optimized: top-performing providers are identified, preferred, and rewarded, while a health activation engine ensures members are guided to the right care at the right time.
Pharmacy Utilization Manager
Pharmacy spend is one of the fastest-growing cost drivers in healthcare — and one of the most opaque. The future health plan replaces the traditional PBM model, with its hidden rebates, spread pricing, and GPO fees, with a fully transparent pharmacy utilization manager built around proper utilization, personalized medicine, and financial accountability.
Cost Certainty
Even the best-designed health management models carry financial risk. The future healthcare system addresses this risk with a new generation of stop-loss reinsurance — one that doesn't just transfer risk, but actively reduces it. By pairing smarter aggregate structures with high-risk patient management programs, healthcare participants can achieve genuine cost certainty without sacrificing benefits.
