Building on our executed NDA · Strategic Partnership Presentation · April 16, 2026
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equifax
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VINE
A $1.5 Billion Market
That Only One Company
Can Unlock — Together.
HealthCred has built the commercial healthcare enrollment engine — already operational in 54 facilities and processing applications today. VINE has built the national corrections data infrastructure across 46 states. Together, these two platforms unlock a $1.5 billion recurring revenue market at a speed and scale neither could achieve alone. This is not a vendor conversation. This is a category-defining partnership.
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Active facilities signed — FL, GA & AL · Built in 24 months
$1.5B+
Annual recurring market — all 50 states, compounding enrolled base
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Jail systems VINE already covers — no new integrations needed
$0
New data infrastructure required from Equifax to begin
SCROLL TO EXPLORE
Section 02
The National Opportunity
The U.S. correctional system is the largest untapped healthcare enrollment market in the country. Federal law now mandates participation. To our knowledge, HealthCred is the only operational infrastructure built to serve it at commercial scale — and a VINE partnership is the most powerful accelerator for national-scale deployment.
Full National TAM · All 50 States
$1.5B+
Annual commission revenue opportunity at national enrollment scale across all U.S. county jails, state prisons, and detention facilities.
Incarceration events/year10.5M
People in custody daily2.2M
Estimated ACA/Medicaid eligible~45%
VINE-connected facilities2,500+
States covered by VINE46 states
Current Addressable Market · Non-Expansion States
$500M+
Immediate ACA marketplace opportunity across non-Medicaid-expansion states where HealthCred is actively operating and expanding today.
Non-expansion states12 priority states
Active todayFL · GA · AL
Next phase (2026)TX · TN · MS · SC
Year 2 target: enrolled lives250,000+
Carrier-funded — zero county budget dependency100%
Why This Market Has Never Been Served at Scale — Until Now
Every incarceration release is a federally-recognized Special Enrollment Period qualifying life event under ACA §1312(f)(1)(B). 10.5 million of these events happen every year. No company had the technology, regulatory infrastructure, and facility relationships to capture them — until HealthCred. And no data provider has the national corrections release infrastructure to activate them at scale — until VINE.
The Federal Mandate
The Consolidated Appropriations Act (CAA) 2024 requires all 50 states to implement Medicaid suspension (not termination) and automatic reinstatement upon release — effective 2026. This is a federal law, not an option. Every state in the country is now legally required to manage healthcare transitions at release. HealthCred is the infrastructure to execute it.
The Medicaid Expansion Opportunity
Beyond the current non-expansion ACA market, 38 Medicaid-expansion states represent an additional $1B+ opportunity as CAA 2024 mandates enrollment reinstatement workflows in all states. HealthCred's platform is designed to operate in both regulatory environments — creating a total addressable market of $1.5B+ nationwide.
Why VINE Is the Fastest Path
HealthCred can scale nationally through direct JMS agreements — and is already doing it. But scaling that way requires individual integration agreements with 2,500+ jail management systems across 50 states — a 5–10 year buildout at significant cost. VINE already has every connection built. A single Equifax/VINE agreement converts 46 states of instant coverage from a multi-year timeline into a day-one advantage.
Section 03
HealthCred: Proven at Scale
HealthCred is not a concept. It is a commercial-scale operation serving facilities across Florida, Georgia, and Alabama — with documented county savings, sheriff endorsements, and a carrier-funded model that requires zero budget from facilities.
54
Active facilities with executed MOUs — FL, GA, AL
Built in 24 months · Zero to scale
$5.9M
Verified county healthcare savings · Lee County, FL · 2025
One facility · Zero cost to counties or inmates
26,932
Applications processed — verified enrollment pipeline
80–85% facility renewal rate
47.8%
Of Florida's 67 counties now under active HealthCred contract
32 of 67 FL counties · 9 GA · 13 AL
VINE Coverage — States Where HealthCred Operates or Plans to Expand
Florida
100%
Georgia
Active
Alabama
70%
Texas
Expansion
Tennessee
Pipeline
VINE coverage verified via Feb 20 & Mar 9, 2026 meeting transcripts. Expansion states per HealthCred priority roadmap.
$5.9M
Lee County, FL · Verified 2025 · Large Facility · 2,009 beds
$657K
Flagler County, FL · Medium Facility · ~400 beds
$138K
Bradford County, FL · Small Facility · ~64 beds
65–70%
Success Rate of Potential Savings
FSA
Florida Sheriffs Association 2025–2026 Honorary Member
From 0 to 54 Facilities in 24 Months — To Our Knowledge, the Only Proof of Concept in the Country
HealthCred was founded in March 2024. By April 2026 — exactly 24 months later — the company holds active signed contracts with 54 correctional facilities, has processed 26,932 applications, and operates what is, to our knowledge, the only purpose-built ACA enrollment platform for justice-involved individuals operating at commercial scale in the United States. This was built without a VINE data partnership. A partnership with Equifax / VINE is the accelerator that compresses a decade of national expansion into a single agreement.
How HealthCred Makes Money
HealthCred operates as a licensed insurance broker. When a qualifying individual is enrolled in a zero-premium ACA marketplace plan, HealthCred receives a commission from the insurer — funded by the federal government, not the county or the individual. Counties pay nothing. Inmates pay nothing. The model is structurally aligned with every stakeholder's interest: counties reduce medical spend, individuals gain coverage, and HealthCred earns per enrolled life.
Geographic Footprint & Expansion
- Florida: 47.8% of all county jails (32 of 67) · FSA 2025–2026 Honorary Member · 100% DOC VINE coverage
- Georgia: Active operations · GA Sheriffs Association engaged
- Alabama: Active rollout · Escambia County endorsement
- Texas: Q3 2026 target · 50–75 facilities
- Tennessee, Mississippi, South Carolina: Q4 2026 rollout
- National scale: All 12 non-expansion states by 2027 · Full 50-state by 2028–29
0
Total Applications Processed · 2023–2025
54
Active facilities under MOU · FL, GA & AL
50%+
Florida county jail market penetration
$0
Cost to county or individual — carrier-funded model
24 mo
Time to reach 50%+ FL market — without VINE data
Institutional Trust & Government Endorsement
Florida Sheriffs Association
2025–2026 Honorary Member
2025–2026 Honorary Member
54 Active County Jail MOUs
FL · GA · AL
FL · GA · AL
GSA Federal Distribution
Pathway — In Engagement
Pathway — In Engagement
The Access That Cannot Be Purchased — Only Earned
The Florida Sheriffs Association Honorary Membership is not a marketing claim — it is the formal recognition of law enforcement's institutional trust in HealthCred. Steve Casey served as FSA Executive Director for 15 years. Nolan Weeks brings deep correctional operations credibility. The result: sheriffs and jail administrators sign MOUs with HealthCred because they know and trust the people involved. No competitor can acquire this access through money or technology. It requires decades of relationships inside law enforcement — and HealthCred has them.
Primary Barrier
Facility relationships are the hardest asset to replicate — they took 15+ years to build and cannot be purchased
54 Signed MOUs
Every MOU represents a sheriff or jail administrator who chose HealthCred over doing nothing — because they trust us
FSA Network
Honorary membership gives HealthCred a warm introduction pathway to every sheriff in Florida — 67 counties
Regulatory Tailwind
Federal Law Now Mandates This Market
The Consolidated Appropriations Act 2024 created the legal obligation — and the urgency. States must now act. To our knowledge, HealthCred is the only operational platform ready to serve them at commercial scale.
HealthCred Enrollment Growth — Three Scenarios
2024–2025 actuals. 2026+ illustrative projections only — not a guarantee of future results. Organic: HealthCred growth without VINE data feed. With VINE: real-time data partnership activated. VINE + GSA: federal procurement channel added to VINE partnership. Carrier-funded model — no county budget dependency at any stage.
Competitive Position
Why HealthCred Cannot Be Copied
Four structural moats — any one of which takes years to build. Together, they make HealthCred, to our knowledge, the only viable national-scale operator in this category.
IP Moat
Patent-Pending Enrollment Platform
HealthCred's custody-aware enrollment and lifecycle management platform is patent-pending (Provisional 10888P filed). The proprietary workflow — from booking event detection through carrier enrollment and compliance audit — has no known prior art. A competitor entering today starts from scratch on technology that took HealthCred 2+ years to build.
Relationship Moat
54 Signed Facility MOUs + FSA Access
Every signed MOU is a facility relationship that took trust, credibility, and law enforcement access to earn. The FSA Honorary Membership gives HealthCred a pathway into all 67 Florida counties. Steve Casey's 45+ years in public safety and his role as former FSA Executive Director is an asset that cannot be hired — it was built over a career. No competitor can replicate this in under a decade.
Regulatory Moat
Licensed Broker + CMS Compliance Infrastructure
HealthCred operates as a licensed insurance broker with active CMS compliance workflows. Carrier relationships, credentialing, ACA marketplace compliance, CAA 2024 workflow integration, and NCCHC J-E-10 discharge planning protocols are all operational — not planned. A new entrant faces 12–18 months of regulatory groundwork before they can enroll a single person.
Data Moat
First-Mover Enrollment Data + VINE Partnership
26,932 processed applications represent real operational data on corrections enrollment conversion rates, carrier acceptance, population demographics, and workflow optimization. This dataset — combined with a VINE data partnership — creates a proprietary intelligence layer that any competitor would have to spend years and tens of millions to replicate. First-mover data compounds every month.
Section 04
Why VINE Is the Fastest Path to National Scale
HealthCred is already operational across 54 facilities and growing. The strategic question is speed: VINE's existing 46-state infrastructure converts a multi-year national buildout into a single agreement — the fastest possible path to scale.
Incarceration Event
Individual booked into VINE-connected facility
VINE Release Signal
Near-real-time notification from 2,500+ JMS systems
HealthCred Nexus
Automated eligibility check & enrollment trigger
ACA Enrollment
Zero-premium plan activated within 60-day SEP window
Revenue Generated
Insurer commission flows to HealthCred + Equifax data fee
VINE Coverage Confirmed
46 states · 2,500+ integrated jail management systems · All booked individuals (not just victim notification subscribers) · Florida 100% statewide including all DOC facilities · Near-real-time release data, standardized and verified at source.
Section 05
VINE + HealthCred
Are Built for Each Other.
This is not a data vendor relationship. This is two purpose-built platforms that complete each other in exactly the right way. VINE's national data infrastructure was missing a commercial healthcare engine to activate it. HealthCred's commercial healthcare engine was missing a national data infrastructure to scale it. The gap between them is the partnership. Close it, and you have the only end-to-end corrections enrollment system in the United States — operating at national scale, generating recurring revenue from a federally-mandated market that no one else is serving.
46
States VINE already covers — HealthCred can scale to all of them overnight
+
One Agreement
$1.5B
National TAM now accessible — corrections enrollment across all 50 states
VINE brings
The Data Infrastructure
- 46-state corrections coverage — 2,500+ jail management integrations
- Real-time release event data — 15-minute updates in Florida
- 100% Florida DOC coverage — all booked individuals, not just notification subscribers
- Alabama, Georgia, and Texas — per publicly available information — expanding coverage in 2026
- Standardized data format — no county-by-county negotiation
- Trusted government and law enforcement relationships in every state
HealthCred brings
The Commercial Engine
- 54 active facilities with signed MOUs — built in 24 months
- Patent-pending enrollment platform (Prov. 10888P) — no known competitor at scale
- Licensed insurance broker infrastructure — ACA, Medicaid, Medicare
- Carrier relationships — commissions funded by federal programs
- Zero cost to counties, zero cost to individuals
- Florida Sheriffs Association 2025–2026 Honorary Membership · 26,932 applications processed
🔓 What This Partnership Unlocks That Neither Could Do Alone
National Scale — Overnight
Without VINE, reaching 3,000+ county jails requires individual JMS agreements in every county — a decade-long buildout measured in hundreds of millions of dollars. With VINE, HealthCred flips a switch. One agreement. 46 states. 2,500+ facilities. That is how VINE transforms HealthCred from a regional operator into the national standard.
VINE's Data Becomes Revenue
VINE has been delivering release event data for years. Until now, there was no healthcare enrollment platform capable of acting on it at scale. HealthCred is the first. Every release notification VINE already sends becomes a potential enrollment event — and a recurring data partnership fee. This is not a new product. It's a new revenue line on infrastructure VINE already built.
A Compounding Flywheel
Every county HealthCred signs generates more revenue for VINE. Every state VINE covers unlocks more market for HealthCred. The two platforms reinforce each other across every dimension — geography, enrollment volume, revenue per life, and federal compliance reach. The flywheel accelerates with every facility, every state, every enrolled individual.
The Core Insight — Stated Plainly
VINE knows exactly when every incarcerated person in America is released. HealthCred knows exactly how to turn that moment into a healthcare enrollment — and a commission check. Those two capabilities have never been in the same room before. This partnership puts them together. The market that results is entirely new, entirely recurring, and entirely carrier-funded. That is why this conversation matters at the executive level.
🏛️ FEDERAL EXPANSION
GSA Partnership — A Federal Distribution Channel
HealthCred is in preliminary engagement with the General Services Administration (GSA) — the federal government's primary procurement and services agency — exploring a formal federal distribution pathway for the HealthCred platform.
A GSA partnership would give HealthCred a government-endorsed channel to deploy its corrections enrollment platform to every federal correctional institution and participating state agency — without requiring county-by-county sales. The GSA's reach spans every cabinet-level agency, all 50 state governments, and thousands of local government entities.
What this means for Equifax: A GSA contract transforms HealthCred from a state-by-state sales organization into a federally-endorsed platform — dramatically accelerating VINE's monetization timeline and positioning Equifax as the data infrastructure provider to a federal healthcare compliance mandate. This is not a small government contract. This is infrastructure-level penetration across the entire U.S. corrections system.
18,000+
Federal, state & local agencies accessible via GSA
All 50
States covered under federal procurement
Direct
Federal mandate compliance pathway — no county-by-county selling
Section 06
What Equifax Gets
Equifax built VINE into a 46-state corrections data network. This partnership activates an entirely new commercial revenue layer on top of that existing infrastructure — with no new facility relationships, no new data collection, and no competitive cannibalization.
equifax
Revenue & Strategic Value Summary
Revenue Model — Per Member Per Month (PMPM)
$1.50
PMPM — Base Data Partnership
Paid by HealthCred for every enrolled life using VINE release data · Recurring monthly · Zero new data collection required
$2.50
PMPM — Reseller Tier Upside
For Equifax-sourced facilities · Higher margin · Leverages existing Equifax government relationships
This is compounding, residual revenue.
Every enrolled life continues generating PMPM fees month after month — for as long as they remain covered. As HealthCred's enrolled base grows, the annual revenue floor rises permanently. At 250K lives: $375K/mo ($4.5M/yr). At 750K lives: $1.1M/mo ($13.5M/yr). At 1M+ lives: $1.5M+/mo ($18M+/yr). No churn resets the counter — new enrollments layer on top of existing ones.
New Recurring Revenue Category — Fully Incremental
HealthCred pays a data partnership fee for every enrolled life using VINE release data. This is pure incremental revenue built on VINE's existing data infrastructure — no new data collection required from Equifax. At 250,000 enrolled lives (Year 2 target): projected $7.5M+ annually. At 750,000 lives (Year 4): projected $22M+ annually. At national scale (1M+ lives): $30M–$50M+ annually. Carrier-funded — not dependent on county budgets or government appropriations.
First-Mover in Corrections Enrollment Data Infrastructure
HealthCred holds a patent-pending platform — There is no other commercial-scale, carrier-funded corrections enrollment platform operating in the United States. Equifax becomes the category-defining data infrastructure partner to this category before any competitor can establish a presence. This is not a commodity data deal — it is a category-defining strategic position.
Reseller Tier — Amplified Upside
Beyond the data partnership, Equifax can participate as a reseller of HealthCred's platform to correctional systems — leveraging existing Equifax government and law enforcement relationships to accelerate HealthCred's facility onboarding nationally. The reseller tier generates substantially higher revenue per enrolled life and positions Equifax as a full commercial partner in the growth of this category.
ESG & Federal Regulatory Credit
CAA 2024 is now federal law. Every state must comply. Equifax's participation in HealthCred's platform directly supports federal healthcare mandate compliance for every participating state — creating measurable, reportable social impact: 500,000+ formerly incarcerated individuals per year gaining healthcare coverage. This is institutional-grade ESG impact, not a marketing claim.
Long-Term Strategic Positioning — Category Ownership
HealthCred's patent-pending platform is purpose-built to operate as the commercial enrollment layer on top of Equifax's corrections data ecosystem. As the platform scales nationally, the combined infrastructure — VINE's data backbone + HealthCred's enrollment engine — becomes the defining infrastructure for corrections-based healthcare in America. The strategic value of that combined position compounds every year. No other organization in the country will be positioned to own this category the way this partnership would.
Illustrative Equifax Revenue Opportunity from HealthCred Partnership ($M/year)
Illustrative projection based on HealthCred enrollment trajectory and partnership structure. Data partnership + reseller tier combined.
Section 07
The Leadership Team
Founded by professionals with deep experience in healthcare operations, government affairs, insurance, corrections, and technology — the team behind HealthCred brings the cross-domain expertise required to operate in one of the most complex regulatory environments in the country.
Chad R. LaBoy
President & Founder
Chad brings a strong background in business and technology to the corrections healthcare industry. His strategic vision has built HealthCred into a trusted leader in correctional healthcare solutions — driving seamless integration, documented county savings, and expanded healthcare access at scale.
Nolan S. Weeks
Co-Founder & EVP, Field Growth & Operations
Nolan brings extensive law enforcement and correctional operations experience to HealthCred. He leads facility relationships, field operations, and the strategic expansion across Florida, Georgia, and Alabama — driving HealthCred's 47.8% Florida market penetration (32 of 67 counties).
Steve Casey
Executive Vice President — Government & Strategic Partnerships
Over 45 years of leadership in public safety and criminal justice. Former Executive Director of the Florida Sheriffs Association (15 years) · Former Deputy Secretary, FL Dept. of Juvenile Justice · Former Florida Dept. of Law Enforcement · Lifetime member, FBI National Academy & Florida Sheriffs Association. Steve leads HealthCred's government affairs and strategic partnerships — including the Equifax/VINE initiative.
Aaron Behar, Esq.
Chief Legal & Strategic Affairs Officer
Owner of Behar Behar — HealthCred's legal architect and strategic counsel. Aaron negotiated the Equifax NDA, structures all partnership agreements, and oversees regulatory compliance across every state market. Deep expertise in insurance law, CMS compliance, and corporate strategy across carrier and government environments.
Cross-Domain Expertise
The HealthCred team combines correctional administration, licensed insurance brokerage, ACA regulatory compliance, government affairs, and proprietary technology — the exact combination required to operate at the intersection of the justice system and the healthcare marketplace. This cross-domain expertise is the primary barrier to competitive entry and the foundation of HealthCred's patent-pending IP position.
Section 08
The Path Forward
The NDA is signed. The market is defined. The infrastructure on both sides is operational. We are asking for one specific agreement coming out of this conversation — and a 90-day pilot that proves the revenue model before full national commitment.
⏱
Why the Timing of This Conversation Matters
HealthCred is in active expansion across six states right now. The facilities we onboard in 2026 establish the data relationships, carrier contracts, and enrollment workflows that define this category for the next decade. The partner that shapes that national buildout captures the most strategically valuable position — not just in revenue, but in category ownership. That window is open today. It will not stay open indefinitely.
Agree on Pilot Structure — Today
We are asking for one decision out of this meeting: agreement on a defined pilot structure. Florida + one additional state. 90 days. Defined data fields, delivery method, and fee structure. The NDA is already executed — the data agreement is the only remaining instrument between this conversation and a live revenue-generating pilot. Timeline: agreement in principle April 16, data agreement executed within 30 days.
Launch Pilot — Florida Full State
Activate the VINE data feed in Florida — where HealthCred already holds 47.8% county penetration (32 of 67 counties) and VINE has 100% statewide coverage. This is the fastest-to-revenue pilot possible: the infrastructure is built on both sides, the facilities are live, and the carrier relationships are in place. First PMPM revenue within 60–90 days of data agreement execution.
National Scale — Priority State Rollout
Expand systematically through all 12 non-expansion priority states, then into Medicaid-expansion states as CAA 2024 compliance workflows activate. Each state launch leverages existing VINE infrastructure — no new integrations required. Every new state adds permanent PMPM revenue to the compounding base. Timeline: 12–24 months to full non-expansion coverage.
Visit HealthCred.com →
Chad R. LaBoy — President & Founder
chad@healthcredcare.com · HealthCred Care, LLC