Clinical data in. Everything else on your terms.

CMS is forcing payers to receive clinical data they've never had to handle. Zkeleton is the isolated environment where it lands, compliant, controlled, and ready for everything that actually moves the needle.

The Problem

CMS-0057 is forcing payers to receive clinical data they've never had to handle. Deadline January 1, 2027.

Nobody built the receiving layer.

Zkeleton is that layer. Receive it. Control it. Use it on your terms.

A modern urban era

AI Infrastructure Layer

Your AI. Your models. Your bubble. Anthropic, OpenAI, or your own. Whatever you work with runs on complete clinical data inside your isolated environment. We provide the layer. You bring the intelligence.

A modern urban era

AI Infrastructure Layer

Your AI. Your models. Your bubble. Anthropic, OpenAI, or your own. Whatever you work with runs on complete clinical data inside your isolated environment. We provide the layer. You bring the intelligence.

A modern urban era

AI Infrastructure Layer

Your AI. Your models. Your bubble. Anthropic, OpenAI, or your own. Whatever you work with runs on complete clinical data inside your isolated environment. We provide the layer. You bring the intelligence.

Receiving Layer

Clinical data arrives from other payers via CMS-0057 exchange. Zkeleton receives it, normalizes it, routes it into your environment. Compliant from day one.

Dashboard interface
An office with people working

Private Bubble

Each payer gets their own isolated infrastructure. What happens to other customers can never affect you. No shared breach risk.

Vendors Come to You

Vendors Come to You

PBMs, care management, analytics vendors connect into your bubble on your terms. You control access, visibility, and liability. You become the landlord.

PBMs, care management, analytics vendors connect into your bubble on your terms. You control access, visibility, and liability. You become the landlord.

Screen mockup of a dashboard interface
Screen mockup of a dashboard interface

HOW IT WORKS

.01

Receive

Clinical data arrives from other payers and providers. Zkeleton receives it, normalizes it, routes it into your isolated environment. CMS-0057 compliant from day one.

.02

Isolate

Your data lives in your own private bubble. Completely separated. No shared infrastructure, no shared breach risk. What happens to every other customer can never touch you.

.03

Use it on your terms

FWA detection. Risk scoring. Care gap identification. Partner access. Your models, your vendors, your rules. Clinical data in. Everything else on your terms.

Why Zkeleton?

Why Zkeleton?

Every payer is about to receive clinical data they didn't ask for and have no infrastructure to handle. Zkeleton is built for exactly this moment, not as a compliance checkbox, but as the environment that compounds with every use case you add.

Every payer is about to receive clinical data they didn't ask for and have no infrastructure to handle. Zkeleton is built for exactly this moment, not as a compliance checkbox, but as the environment that compounds with every use case you add.

Breach-Independent

What happens to other customers can never affect you. No shared attack surface.

Breach-Independent

What happens to other customers can never affect you. No shared attack surface.

HIPAA-Native

Compliance built into the architecture, not bolted on afterward.

HIPAA-Native

Compliance built into the architecture, not bolted on afterward.

No Shared Pipes

We don't route data through exchange networks. You own the destination.

No Shared Pipes

We don't route data through exchange networks. You own the destination.

Infrastructure Layer

We're not an application. Existing vendors can stay or connect on your terms.

Infrastructure Layer

We're not an application. Existing vendors can stay or connect on your terms.

CMS-0057-F Ready

Built for payer-to-payer data exchange. Secure receiving infrastructure for incoming member data.

CMS-0057-F Ready

Built for payer-to-payer data exchange. Secure receiving infrastructure for incoming member data.

The Market Reality

The cost of the Fidelity Gap and why shared infrastructure failed.

Shot of modern buildings
A blue container
Claims Blind
0%

Claims adjudicated without clinical documentation

Records Exposed
0M

Records exposed in Change Healthcare breach

Breach Cost
$0B+

Direct costs to UnitedHealth Group

We're not building another exchange network. Every competitor routes data through shared pipes. The same architecture that failed at Change Healthcare.

— Zkeleton

Get in Touch

We're pre-seed and building. If you're a payer evaluating clinical data infrastructure, let's talk.

We respond within 24 hours

Frequently Asked Questions.

Common questions about Zkeleton and how we work.

What is Zkeleton?

Payer-side infrastructure. We build the isolated environment where clinical data lands when CMS forces payers to receive it, and where payers decide what happens next.

What is CMS-0057 and why does it matter?

CMS-0057 is the federal mandate requiring payers to exchange clinical data by January 1, 2027. Every time a member switches plans, the new payer must receive up to 5 years of their data. Nobody has built the receiving infrastructure for this. That's the gap Zkeleton fills.

What can payers do with the data inside the bubble?

FWA detection, risk scoring, care gap identification, population health, partner access. Everything except claims adjudication, which we deliberately don't touch. Payers bring their own AI models and vendors. We provide the environment.

How is this different from Health Gorilla or Particle?

They route data through shared exchange networks. We build private environments the payer owns. What happens to their other customers can never affect you.

What is Zkeleton?

We build isolated infrastructure where health plans can receive clinical data at scale and run AI without sharing platform risk with other customers.

What's the Fidelity Gap?

Payers adjudicate 95% of claims without seeing clinical documentation. They make billion-dollar decisions based on billing codes a summary of a summary.

What is Full-Fidelity AI?

AI that runs on complete clinical data, not billing codes. Current payer AI is trained on incomplete information. FFAI changes that.

How is this different from Health Gorilla or Particle?

They route data through shared exchange networks. We build private environments you own. What happens to their other customers can never affect you.

What is Zkeleton?

Payer-side infrastructure. We build the isolated environment where clinical data lands when CMS forces payers to receive it, and where payers decide what happens next.

What is CMS-0057 and why does it matter?

CMS-0057 is the federal mandate requiring payers to exchange clinical data by January 1, 2027. Every time a member switches plans, the new payer must receive up to 5 years of their data. Nobody has built the receiving infrastructure for this. That's the gap Zkeleton fills.

What can payers do with the data inside the bubble?

FWA detection, risk scoring, care gap identification, population health, partner access. Everything except claims adjudication, which we deliberately don't touch. Payers bring their own AI models and vendors. We provide the environment.

How is this different from Health Gorilla or Particle?

They route data through shared exchange networks. We build private environments the payer owns. What happens to their other customers can never affect you.

Does Zkeleton help with CMS-0057-F compliance?

Yes. Our bubble architecture is built for payer-to-payer data exchange. When member data comes in from other payers, it lands in your isolated environment. Secure, compliant, ready for use. No shared pipes, no shared risk.

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email akkenyaku@zkeleton.com

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email lr@zkeleton.com

Does Zkeleton help with CMS-0057-F compliance?

Yes. Our bubble architecture is built for payer-to-payer data exchange. When member data comes in from other payers, it lands in your isolated environment. Secure, compliant, ready for use. No shared pipes, no shared risk.

What stage is the company?

Pre-seed. Delaware C-Corp. Building now.

How do I learn more?

Email akkenyaku@zkeleton.com

CLOSE THE GAP

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The infrastructure layer for payer clinical data.

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CONTACT US

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Got questions? Contact us.

Don't just receive it. Control it.

© 2026 Zkeleton · Delaware

Don't just receive it. Control it.

© 2026 Zkeleton · Delaware

Don't just receive it. Control it.

© 2026 Zkeleton · Delaware