Fractional CTO — Healthcare Insurance

Your health plan deserves real technology leadership.

Houseberg Technology Partners provides part-time CTO leadership built exclusively for health insurance carriers between $20M and $100M — the complexity of a health plan, none of the six-figure overhead.

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$20M
Minimum carrier size
where we engage
$100M
Upper range of our
target market
1
Vertical. Health
insurance. Period.
½
The cost of a
full-time CTO
The challenge

You've outgrown IT management. You're not ready for a $350K CTO.

01
Your technology failures are now existential
A core system outage, a CMS audit deficiency, or a failed data migration at your scale doesn't just cause disruption — it threatens your market position, your book of business, and your license.
02
The full-time hire doesn't pencil out
A CTO with real health insurance domain experience commands $300K–$400K plus equity. For a $30M carrier, that's an executive consuming 1%+ of revenue before they make a single decision.
03
Generalist consultants don't know your world
Most technology consultants don't know NAIC requirements from FHIR mandates, or why your claims adjudication logic is the hardest thing in your stack to change — and the most dangerous to get wrong.
Services

Technology leadership where your carrier actually needs it

Technology strategy & roadmap
Multi-year technology roadmaps aligned to your growth plan, regulatory calendar, and competitive position — not a vendor's sales cycle.
Core system modernization
Claims, enrollment, billing, and member portal platform selection, migration oversight, and vendor accountability — from RFP through go-live.
HIPAA, CMS & compliance architecture
Security posture assessment, audit readiness, CMS data and reporting requirements, state mandate tracking, and FHIR/interoperability compliance.
Vendor management & contract strategy
Evaluate, negotiate, and hold your technology vendors accountable. Most carriers overpay and under-perform because nobody is managing the relationship at the right level.
Engineering team development
Hiring strategy, org design, developer culture, and technical interview support — building the internal capability your carrier needs to operate independently at scale.
Board & executive advisory
Translate technology risk, investment, and opportunity into the language your board and CEO need to make confident decisions — without the technical theater.
Why Houseberg

Healthcare insurance is not like other industries. Your CTO partner shouldn't be either.

Most fractional CTOs are generalists who rotate across verticals. Houseberg Technology Partners was built around one market: health insurance carriers. That means you're not paying for a learning curve on your dollar.

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  • Deep health insurance domain fluency
    Claims adjudication, ASO vs. fully-insured models, HL7 and FHIR interoperability mandates, member and provider portal architecture, NAIC reporting — this is the operating context, not background research.
  • Designed for your revenue band
    $20M–$100M carriers have specific constraints: limited technology staff, legacy systems, growth pressure, and boards that need translators. Our engagement model and pricing are built for that reality.
  • Executive-level, not consultant-level
    We make decisions, own outcomes, and attend leadership meetings. We don't produce decks and disappear. Your team treats us as a functional executive — because that's the role we're built to fill.
  • Singular focus, not competing engagements
    We limit the number of clients we serve at any one time to maintain quality and availability. When you engage Houseberg, you have a real partner — not one of 40 clients in a portfolio.
Who we serve

Houseberg is the right fit if any of these are true

You're a regional health plan, specialty carrier, or managed care organization between $20M and $100M in annual premium revenue.
You're facing a core system replacement — claims, enrollment, billing — and need someone who's done this before to own the process.
A CMS audit, state exam, or HIPAA security review is on the horizon and your current technology posture isn't where it needs to be.
Rapid enrollment growth is straining systems and your engineering team lacks the executive direction to scale effectively.
Your board or CEO is asking hard questions about technology strategy, risk, and investment — and nobody on your current team is equipped to answer them at that level.
You've outgrown IT management but aren't ready to hire — or haven't found — a full-time CTO with genuine health insurance domain experience.

Not sure if we're the right fit? Let's find out together.

A 30-minute discovery call costs nothing. A bad technology decision at your scale costs considerably more.

Schedule your discovery call ↗
Engagement models

Simple, transparent engagement structures

Advisory
Strategic
Monthly retainer · ~4–8 hrs/month
  • Monthly strategy sessions
  • Board meeting preparation
  • On-call executive guidance
  • Vendor review & input
Most common
Embedded Partner
Operational
Monthly retainer · ~2 days/week
  • Weekly leadership attendance
  • Technology roadmap ownership
  • Vendor & team management
  • Compliance oversight
  • Direct reports leadership
Project
Focused
Fixed scope · defined timeline
  • Core system selection or migration
  • CMS audit remediation
  • Technology due diligence
  • Architecture & security assessment

All engagements are scoped individually. Pricing discussed on the discovery call.

Ready to talk technology strategy?

Schedule a no-obligation 30-minute call to discuss where your carrier's technology stands — and where it needs to go.

Schedule your discovery call →