Built by operators who lived the problem
Waive was founded by people who spent years inside the broken benefits system. This is how we're rebuilding it — for employers, brokers, and the members who actually use the coverage.
The system is expensive, opaque, and exhausting
spent annually by US employers on healthcare administration
Source: American Journal of Public Health (placeholder citation pending verification)
of small employers say they don't fully understand their own benefits plan
Source: US Department of Labor, EBSA participant survey (placeholder)
average TPA renewal cycle from RFQ to bindable quote
Source: Waive internal analysis of legacy carrier renewals (placeholder)
Three things we don't compromise on
Transparency
Pricing, claims data, and renewal logic are visible months in advance — no end-of-year surprises.
Simplicity
One platform, one invoice, one support line. We replace the spreadsheet stack, not add to it.
Humanity
Members reach a real person in under five minutes — never a phone tree, never a chatbot dead-end.
A note from Jason
I spent most of my career inside the legacy benefits world, and I watched the same thing happen every renewal. Employers got hit with double-digit increases. Brokers got blamed. Members got phone trees. Nobody got a straight answer.
Waive exists because that doesn't have to be how this works. We commit to three things: transparency on pricing and claims, real humans on the phone in under five minutes, and compliance handled so HR can do actual work. If we ever stop doing those three things, you should leave us — and tell us why.
— Jason Sherman, CEO
From Clearwater to Waive
Before Waive, our team built and ran Clearwater — a TPA that grew quickly across multiple states. We learned what employers actually need from a plan administrator, what brokers need from a platform, and what members need from member services. We also learned every place legacy systems and legacy thinking get in the way.
In 2026, we took everything we learned and rebuilt from zero as Waive. New platform, new operating model, new commitment to transparency. Same people who lived the problem, now solving it without the constraints of the old stack.
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