CertifyOS launches shared credentialing program with UnitedHealthcare, Cigna and Centene

Why it matters

CertifyOS is asking three large payers to share a credentialing process, moving its provider-data thesis from single-plan software toward cross-payer infrastructure. Whether the commitments become a live program with measurable provider and cost outcomes remains the test.

CertifyOS founder and CEO Anshul Rathi said on LinkedIn on September 23rd that it was launching SharedCred with UnitedHealthcare, Cigna Healthcare and Centene as founding partners. Its PR Newswire release has a September 23rd publication timestamp and a September 24th dateline; the company says the service is planned to launch in fall 2026.

Rathi started CertifyOS after six years at Oscar Health, where he was an early employee building the provider network management function. CertifyOS says he helped build Oscar's credentialing, delegated operations and provider data systems, work that included credentialing more than 40,000 providers. He conceived CertifyOS in 2018 and began building it during the pandemic, after finding that existing vendors addressed narrow operational needs rather than provider data as a connected system. Rathi has described that founding thesis as an API-first, data-first and automation-first platform.

The announced shared program applies that thesis to a problem that cannot be solved inside one payer's walls. Under the model, participating plans would share recredentialing rosters with CertifyOS, which would coordinate provider outreach and primary-source verification. Providers would enter a CAQH ID and required information once through CertifyOS's portal, rather than repeatedly supplying similar records to each plan. CertifyOS says its checks will meet NCQA and Medicaid standards across the states where providers hold licenses.

The announcement names UnitedHealthcare, Cigna Healthcare and Centene as initial participants, but does not describe whether their commitments are binding commercial agreements, how many providers will be included or which plans and specialties enter the first rollout. CertifyOS says the service is designed to reduce duplicate outreach and speed time-to-network. Those are intended outcomes; the materials offer no program-level data showing results so far.

A crowded claim to be first

CertifyOS describes its program as a first-of-its-kind national model. That claim needs qualification: Medallion announced CredAlliance in August 2025, calling it the first national credentialing clearinghouse for payers. Medallion said then that CredAlliance was already live with several major national payers. The two companies are pursuing a similar central premise: verify providers once, then make that evidence usable across participating payer networks.

CertifyOS positions the program within its broader provider-data infrastructure. CertifyOS began as a credentialing platform and now says it supports the provider-data lifecycle through an API and records drawn from primary sources. The program would make that underlying data layer a shared operating service among health plans, rather than a tool each payer uses independently.

The operating challenge sits in the details. Plans still need confidence that shared verification meets their own standards and supports their own credentialing decisions. CertifyOS says the model standardizes verification and credentialing events, but gives little detail on how participating plans will reconcile different requirements or govern shared records. The initial roster and rollout scope will show whether three large payer names translate into a functioning network or remain a set of commitments around a future service.

The economics are still a forecast

In its announcement, CertifyOS says the United States spends more than $2 billion each year verifying provider credentials and that as much as 75 percent of those costs could be avoided with shared infrastructure. The company also cites $200 to $500 in costs per provider for each payer recredentialing cycle and an average of 17 applications per provider annually. Those are industry estimates cited by CertifyOS, not audited measurements of this program or savings demonstrated by its participants.

CertifyOS has offered one customer case study that gives a sense of its existing work: in its Oscar Health case study, the company says its deployment credentialed more than 38,000 providers, monitored more than 85,000 and reduced turnaround time from 29.4 days to three. Those are CertifyOS-reported results from a single customer engagement, not evidence yet of what a multi-payer shared model will deliver.

Investors have already financed Rathi's larger infrastructure bet. In June 2025, CertifyOS raised a $40 million Series B, according to its funding announcement, led by Transformation Capital, with continued backing from General Catalyst and Upfront Ventures and new investment from SemperVirens. CertifyOS said at the time that growth had tripled year over year, a company-reported figure. The announced program adds a new test for that thesis: persuading competing health plans to coordinate on verification while retaining their own decisions about who joins their networks.