A Texas network company betting that curated, local, high-performance networks can lower the cost of care - without asking employers to hand the keys to a national carrier.
Most companies fighting healthcare costs sell insurance. Healthcare Highways sells the network underneath it. Founded in 2010, the Frisco company builds and operates curated medical provider networks - collections of hospitals, physicians, and specialists chosen for quality and efficiency - then rents and administers those networks for employers who fund their own health plans.
The pitch is deliberately contrarian. Where national carriers argue that a bigger network is a better one, Healthcare Highways argues the opposite: a tighter, data-driven network of high-performing providers can deliver comparable care at lower total cost. The company describes the goal as helping employers and health systems "declare independence" from large national insurance carriers by reintroducing competition into local markets.
"Our goal has always been to create a stable, independent, and innovative organization that can stand on its own."- Alan Scoggins, Chief Operating Officer
That independence is the product. Healthcare Highways is not a carrier and does not try to be one. It sits a layer down - assembling networks, managing provider data, and layering analytics on top so employers can actually see and manage where their healthcare dollars go.
In practice, that means the company does the unglamorous work that determines whether a health plan actually saves money: credentialing providers, keeping directories accurate, negotiating and maintaining network relationships, and analyzing claims to spot where costs drift. The result is a network an employer can adopt with confidence, backed by data rather than a brand name. It is a quieter kind of healthcare company - one measured less by advertising and more by the spread between what a plan costs and what comparable coverage would have cost through a national carrier.
Healthcare Highways is a B2B business with a layered customer base. Its networks are bought and used by:
Self-funded & level-funded employers - from small groups to large and jumbo companies - that pay their own claims and want to control cost.
Health systems that want provider-sponsored plans and a route to compete locally.
Brokers & third-party administrators (TPAs) who need a differentiated network to sell.
Payors seeking curated, lower-cost network access.
And ultimately the members and employees who carry the card. The company's footprint centers on Texas, Oklahoma, and Louisiana, with broader network reach.
Figures reflect the company's own stated savings ranges and are approximate, directional illustrations - not guaranteed outcomes.
American employers spend heavily on healthcare and see little transparency in return. When a company buys a national carrier's plan, the network - the very thing that determines price and access - comes bundled and largely fixed. There is limited room to shop, compare, or push back.
Healthcare Highways unbundles that. By curating networks around quality-focused providers and pairing them with population health analytics and network adequacy analysis, it gives self-funded employers a lever they usually don't have: the ability to choose a network engineered for cost and quality, and the data to prove whether it's working.
Quality care and lower cost are treated as a design problem, not a trade-off.
Curated networks of quality-focused physicians, specialists, and facilities - 12,000+ PCPs, 69,000+ specialists, 3,000+ facilities - built to lower total cost of care while keeping access.
Branded network products giving employers and payors configurable, high-performance network access across markets.
Additional network solutions in the HCH family, including a direct offering that connects employers to curated provider systems.
A level-funded health plan for groups of 15-125 employees, built on localized networks and engineered for roughly 15-20% savings on monthly premiums.
Data-driven insights, network adequacy analysis, and cost-management tools that help employers and health systems manage spend and outcomes.
Credentialing, provider directory, and provider data management services for payors, TPAs, and health systems.
Healthcare Highways earns revenue by licensing and operating its provider networks and by administering health-plan and network services for employers, health systems, brokers, and TPAs. Income comes from network access and rental fees, health-plan and administrative services, and analytics - all positioned as a lower-cost alternative to the networks bundled inside national carrier plans. Company estimates place annual revenue near $43M.
The company's depth is in network construction and healthcare economics. Founder Michael G. Wilson brings 40+ years in the field, having previously founded PPO Oklahoma, Corporate Health Plans of America, and Texas TrueChoice, and having built Century Healthcare into a market leader in limited-benefit plans. That lineage - decades of assembling provider networks and health plans - is the core competency the business is built on.
Healthcare Highways sits in the growing space between the self-funded employer and the traditional insurance carrier - alongside rental-network operators like MultiPlan and First Health, and newer direct-contracting and high-performance network vendors. Its competitive edge is being small, local, and independent in a market dominated by national giants such as UnitedHealthcare, Aetna, Cigna, and Blue Cross Blue Shield plans.
As more employers move to self-funding and as value-based, regional networks gain traction, the company is positioned as an infrastructure provider for the shift - the network layer that lets local markets compete. Its home base is telling: the company operates from One Cowboys Way inside The Star, the Dallas Cowboys' Frisco headquarters and entertainment district, and has been certified as a Great Place to Work. For a business whose entire thesis is that local and independent can beat national and bundled, planting its flag in a fast-growing Texas market - rather than a coastal insurance hub - is part of the message. The 2024 promotion of Chris Wilson to President and the elevation of Alan Scoggins to COO signaled a company organizing for its next phase of revenue growth while keeping the founder's independence-first philosophy intact.
Michael Wilson launches the company in Texas to build provider-aligned, high-performance networks as an alternative to national carriers.
Raises $3 million to expand its network and health-plan business.
Wilson is featured in D Magazine's Executive Perspectives as the company scales network development across multiple states.
HCH sharpens its network lineup and promotes Chris Wilson to President and Alan Scoggins to COO to drive revenue growth.
"Chris' entrepreneurial spirit and deep expertise in healthcare make him the ideal leader to take Healthcare Highways forward."
"Alan's vision, leadership, and commitment to operational excellence have been instrumental in making Healthcare Highways the innovative and independent company it is today."
It builds and operates curated, high-performance medical provider networks and health-plan solutions that help self-funded and level-funded employers, health systems, brokers, and TPAs lower healthcare costs while maintaining quality and access.
No. It positions itself as a network and health-plan company - not a national insurance carrier - offering employers an independent, local alternative to carrier-bundled networks.
Michael G. Wilson founded the company in 2010. He serves as founder, CEO, and a board member, and has more than 40 years of experience in healthcare.
The network spans 12,000+ primary care physicians, 69,000+ specialists, and 3,000+ facilities and ancillary providers. The company reports employers can save up to 25% by switching to its model.
TrueChoice is a level-funded health plan for groups of 15-125 employees, built on localized high-performance networks and designed to generate roughly 15-20% savings on monthly premium costs.
Profile compiled from public sources. Figures such as revenue and savings ranges are approximate and reflect company-stated estimates. Last reviewed July 2026.