ATLAS® — The Environmental Burden Score
High-resolution environmental-health risk infrastructure for insurance portfolios, delivering a precise, regulator-safe signal.
Behind every decision is a life you’re responsible for.
Every day, millions of people live, work, and care for loved ones—often unaware of how their environment quietly shapes health outcomes, risk, and long-term stability.
Some carry more than their bodies were built to hold.
The environmental health risks shaping their lives shouldn’t be invisible to you.
Pollution, heat stress, smoke, and neighborhood conditions have always shaped health. You deserve to see them clearly—before they cause harm.
Hidden Environmental Cost Drivers
Risk Escalates Before Costs Appear
Care Dollars Spread Thin
Every Decision Must Stand Up to Scrutiny
Volatility is Rising—Correlation is Hiding
How Environmental Exposure Becomes Health Risk Over Time
Environmental exposure drives predictable biological stress long before it appears in claims, ER visits, or utilization—creating a measurable lead time most insurance systems never capture.
Air Pollution Enters the Bloodstream Within Minutes.
Temperature And Humidity Directly Increase Physiological Stress
Still Air Concentrates What The Body Tries To Clear
Distant Events Become Immediate Physiological Stress
Local Surroundings Amplify Or Buffer Environmental Stress
How Health Stress Converts Into Financial and Operational Loss
When health stress goes unmodeled, it surfaces as utilization pressure, PMPM instability, volatility, and governance risk.
Environmental stress converts silently into sudden, high-cost utilization.
Repeated environmental strain destabilizes chronic populations and long-term cost.
The same care programs produce uneven results across populations and regions.
Similar populations produce different costs for reasons models cannot fully explain.
Unmodeled exposure turns uncertainty into governance and capital risk.
Global Environmental Health Infrastructure
The ATLAS® Score
From the Greek Atlas — burden.
ATLAS makes invisible environmental health burden visible — as a regulator-safe signal from global scale to the address level.
What ATLAS® is
Resolution
Location-level environmental intelligence.
ATLAS converts environmental complexity into high-resolution risk signals (~100m resolution), enabling insurers to evaluate exposure variation across neighborhoods, streets, and individual insured locations.
How ATLAS Reduces Known Operational Losses
1. Select an operational loss category
2. View impact by line of business
Situation
Chronic populations often experience persistent PMPM variation that is difficult to explain through demographic, clinical, and utilization data alone.
Action
Add the ATLAS Score as an environmental exposure covariate alongside existing risk factors to identify where external conditions may contribute to chronic instability.
Result
Reduce unexplained variation, improve visibility into chronic cost patterns, and strengthen confidence in forecasting and trend analysis.
Impact
Create more predictable population management, stronger rate development, and clearer explanations for emerging cost pressure.
A Single Environmental Signal, Built for the Real World
Four environmental layers. One comparable signal.
Resolution by design.
Built for governance. Glass-box by design.
One environmental-health signal across the enterprise.
Environmental-health intelligence, everywhere.
API-first. Plug-and-play.
How Adoption Works
01
Validate Inside Existing MA Models
Request a free ATLAS scoring batch for a defined subset of your MA membership (e.g., county, contract, or benefit design). Add ATLAS as a single covariate to your existing pricing or forecasting GLM and rerun the model without changing structure or assumptions. Evaluate impact using your standard criteria: PMPM stability, trend error, residual variance, coefficient behavior, and out-of-sample performance across counties and time.
02
Confirm CMS-Aligned Governance Readiness
Review ATLAS governance and model risk documentation to confirm Medicare suitability. ATLAS is deterministic, versioned, and reproducible, with frozen historical scores, documented data provenance, stable refresh logic, and defined change controls—supporting auditability, explainability, and CMS-aligned bid-cycle governance.
03
Operationalize Along the MA Decision Cycle
After validation and approval, incorporate ATLAS into existing MA workflows. Most plans start with pricing, reserving, and bid support, then extend selectively into areas where earlier geographic visibility improves outcomes—such as care management prioritization, regional performance review, and benefit strategy refinement. Adoption follows the existing MA cadence, not a new process.
Clarity Through Contrast
See how ATLAS® compares across the tools organizations commonly rely on.
Category | ATLAS® Score |
|---|---|
Primary Purpose | Environmental-health risk covariate |
Output Form | Single normalized 0–1 score |
Health GLM-Ready | Yes — drop-in covariate |
Spatial Granularity | Block-level (~400 × 600 ft) |
Temporal Structure | Rolling 365-day exposure |
Governance & Auditability | Deterministic, versioned, reproducible |
Cross-Department Use | Actuarial, underwriting, care, ops, reinsurance |
Maintenance Burden | None — managed infrastructure |
Validation Comes First
Onboarding Factor | Traditional Vendors | ATLAS® |
|---|---|---|
Upfront cost | Required before validation | No upfront cost |
User interface | New platform or portal | No new UI — API or batch access |
Time to get started | Weeks of setup | Immediate |
Validation approach | Vendor-led validation | Customer-run validation inside existing GLMs |
Model transparency | Partial or opaque | Fully explainable, glass-box signal |
Governance readiness | Built after adoption | Built-in, audit-ready from day one |
Coverage scope | Region- or pilot-constrained | National and global continuity |
Time to actuarial proof | Weeks to months | Days |
Built for regulated institutions.
Pricing aligned to exposure, governance, and decision scope — not usage.
ATLAS pricing is anchored to the scale of environmental exposure being conditioned, the resolution required, and the governed decision contexts in which the signal is relied upon. It is not based on queries, API calls, users, or departmental access. Validation is always separate from commercial reliance, allowing teams to evaluate ATLAS privately inside their own models before it becomes embedded in regulated workflows.
Once adopted, pricing is institutional and fixed, designed so actuarial, underwriting, and operational teams can use the signal freely without monitoring consumption, throttling access, or introducing operational friction. Most organizations begin with actuarial use, then extend ATLAS into additional governed applications as internal confidence and approvals mature.
Still Have Questions?
We’ve Got Answers.
How do we validate ATLAS before making an internal commitment?
How is ATLAS different from other environmental or risk data?
Is ATLAS regulator-safe and defensible?
How does ATLAS fit into existing governance and model-risk frameworks?
Does ATLAS require new systems, tools, or user interfaces?
How often is the ATLAS score updated?
What data sources underpin the ATLAS score?
At what geographic resolution does ATLAS operate?
Who inside our organization typically uses ATLAS?
How does ATLAS apply to reinsurance portfolios?
How does pricing work?
What does onboarding look like in practice?
Hidden environmental-health risk is already shaping outcomes.
ATLAS makes it measurable—before it becomes cost, harm, or unpriced volatility.
No upfront cost.
No new systems.
Validate directly inside your own GLM.