By accessing or using Equipoise, you agree to these terms. If you do not agree, do not use the tool.
Equipoise is operated at equipoise.health. Equipoise provides automated NQTL comparative analysis for MHPAEA parity compliance. The tool accepts aggregate plan-level operational metrics, runs a structured six-element federal comparison framework, identifies compliance gaps, and generates documentation-ready output. It is a decision support tool for health plan administrators, compliance professionals, general counsel, and benefits consultants.
Equipoise provides compliance assessment for decision support. It does not constitute legal advice, a coverage determination, a regulatory filing, or a binding compliance determination of any kind. The outputs — including compliance findings, gap narratives, and remediation recommendations — are analytical observations based on the inputs you provide and the regulatory framework as of the effective date of this tool.
Organizations should consult qualified ERISA counsel before making compliance representations to regulators, plan participants, or insurers. Equipoise is designed to support that legal review — not replace it.
The plan-level data you enter and the analyses you generate belong to you. Equipoise does not claim ownership of your inputs or outputs. We store your analyses so you can retrieve them, and we use your data only to operate the tool and improve its accuracy over time — not for resale or third-party disclosure. See the Privacy Policy for full details.
The Equipoise name, the analytical framework, the six-element comparison engine, the regulatory citation architecture, the NQTL scoring methodology, and all associated software are proprietary. Results you generate using Equipoise — the compliance findings, gap narratives, and remediation recommendations specific to your plan — belong to you. The underlying methodology and engine remain ours.
MHPAEA compliance obligations evolve. Equipoise reflects the regulatory framework as understood at the time of each release. The tool is updated as enforcement guidance, final rules, and court decisions alter compliance standards. It is your responsibility to ensure that compliance determinations submitted to regulators or relied upon for legal defense are reviewed by qualified counsel who can assess current regulatory requirements. Equipoise is not a substitute for that review.
Equipoise is provided "as is" without warranties of any kind, express or implied. We do not warrant that the tool is free from errors, that its outputs will satisfy any specific regulatory standard, or that its findings will be sufficient for any particular DOL, state, or federal compliance obligation. The tool is designed to be rigorous. It is not infallible.
Equipoise and its operators are not liable for regulatory enforcement actions, penalties, fines, or legal fees arising from reliance on this tool's outputs. We are not liable for decisions made based on Equipoise findings without independent legal review. Our total liability for any claim arising from use of Equipoise shall not exceed the fees paid by you in the 12 months preceding the claim.
These terms are governed by the laws of the Commonwealth of Kentucky. Any disputes arising from use of this tool shall be resolved in the courts of Jefferson County, Kentucky.
We may update these terms as the tool and the regulatory environment evolve. Continued use of Equipoise following any update constitutes acceptance of the revised terms. Material changes will be noted on this page with a revised effective date.
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A note on the regulatory moment. In May 2025, the tri-Departments paused enforcement of the 2024 Final Rule while litigation proceeds. The underlying obligations under MHPAEA and the 2013 rule remain fully in effect. Equipoise is built to the 2013 regulatory framework, which governs active compliance obligations regardless of the enforcement pause. Plans must still maintain NQTL comparative analyses on demand. State enforcement continues independently. The pause creates uncertainty. Equipoise is designed to reduce it — but qualified ERISA counsel should advise on jurisdiction-specific exposure.