Newtopia is turning healthcare on its side and helping health insurers prevent disease and lower costs.

Health insurers are in trouble. As a result of a dominant focus on sick care, self-insured employers, private insurers and government insurers are forced to intervene too late to address the physical and mental health and corresponding costs of their members in what has become an unsustainable system.

Rather than focus on monetizing sickness, Newtopia strives to keep healthy people healthy. As a tech-enabled habit change provider, we help health insurers prevent, slow and reverse chronic disease. With the support of our unique behavioral health platform, health insurers significantly mitigate their population’s physical and mental health risks, which in turn results in large cost savings that increase over time. Healthier individuals naturally cost much less to insure.

Newtopia leverages the best of human – our health coaches or Inspirators – with the best of technology – our proprietary platform and data analytics – to incrementally change habits around nutrition, exercise and mental wellbeing. As people improve their mental and physical wellbeing – our #1 focus – our customers – self-insured Fortune 500 companies – reduce their costs and provide their employees with a novel way to approach whole person care for the long term. With less money spent on health coverage, companies now have increased funds by which they can reinvest in their business’ growth and their employees’ development – a benefit to all stakeholders involved.

The market for our services is massive and growing. Nearly 90% of the $3.8 trillion annual healthcare industry’s costs in the United States are spent to cover chronic physical and mental health conditions.1 Taking that further, approximately 80% of the U.S. population has at least one of the five main risk factors for chronic disease. These include waste circumference or BMI, elevated blood glucose (A1C), elevated blood pressure, elevated triglycerides and low HDL cholesterol. With one or more of these risk factors present, individuals are 5X more likely to develop type 2 diabetes, 2X more likely to develop heart disease and 3X more likely to have a stroke.2

As the population’s risks increase, so too do the costs for health insurers. Healthy employees who do not present with any of the five main risk factors cost on average $3,400 per year to insure. These costs could easily spike to as high as $15,000 a year if an individual develops type 2 diabetes, or as high as $20,000 per year if an individual develops cardiovascular disease. Those costs can increase even further when you factor in the deterioration of mental and emotional health associated with the breakdown in physical health. So what can we do about it?

By focusing on whole person care and providing virtual one-on-one coaching through our Inspirators, digital tools, connected devices and actionable data science, Newtopia is delivering sustainable, proven clinical and financial outcomes that grow over time. Our results are clinically proven through randomized control trials, fully accredited by the CDC and supported by an experienced management team whose pedigree includes some of the top names in North American healthcare. Our recurring revenue model provides strong visibility, and we are able to collect valuable genomic and lifestyle data to revolutionize how we approach chronic disease care.

Newtopia has proven to successfully deliver clinically significant physical and mental health risk reduction for our participants in 12 months. This outcome approach, which improves over time, delivers value not only to the individual, but also to the risk-bearing health insurers and to Newtopia. The individual achieves an improved physical and mental state, while the health insurer sees US$1,464 3 or more in savings per subscriber per year. 

It’s truly a win – win for all.

1 "Health and Economic Costs of Chronic Diseases,” Center for Disease Control.
2 International Diabetes Foundation, Highlight Health,,
3 Aetna RCT published in Journal of Occupational and Environmental Medicine.
Newtopia’s True North from Founder & CEO Jeff Ruby