Pacific Health Care Organization helps California employers reduce workers' compensation costs by providing managed care services, primarily network access products. The company's core offering is its Health Care Organization (HCO) licenses — California has issued only three HCO licenses to two companies, and Pacific Health Care Organization holds two of them. An HCO gives employers up to 180 days of control over which providers treat an injured employee, the most powerful cost-containment tool available under California workers' compensation law. The company also administers 21 Medical Provider Networks (MPNs), which offer similar but less restrictive provider network access in a far more competitive market. Pacific Health Care Organization's HCO/MPN hybrid product — which transitions employees from HCO to MPN coverage after the 180-day window — is positioned as a unique offering with no direct competitors. Beyond network access, the company offers medical bill review, utilization review, medical case management, and ancillary services, available on a standalone or bundled basis. Customers include self-administered employers, insurers, third-party administrators, and municipalities, all based primarily in California. Revenue is tied to enrollment fees and per-transaction service fees, and scales with customer headcount. The company operates with just 31 employees, relying on licensed technology and outside consultants to keep overhead low.