One agent
Every benefit
BenefitAgent is a licensed brokerage run by AI. It quotes your group and ICHRA plans, runs enrollment, and finds the right coverage for every person on your roster — including the ones who never enroll.
Paid by carriers, not by you — like a broker, without the broker.
Product preview — illustrative employer and data
Now onboarding early-access employers
- Home care
- Restaurants
- Staffing
- Franchise groups
The benefits system wasn't built for hourly teams.
~50%
of small employers can't offer coverage
Group premiums keep climbing, so about half of small businesses offer no health plan at all. The rest watch costs eat into every renewal.
Most
workers who waive stay uninsured
When an hourly worker turns down the group plan, that's usually the end of the conversation. Nobody checks what they qualify for instead.
Billions
in public benefits go unclaimed
Marketplace subsidies, Medicaid, SNAP, childcare help, the EITC — money your employees are entitled to and never see, because no one walks them through it.
Traditional brokers serve the minority who enroll in the group plan. Everyone else is left to figure it out alone.
Three steps from your side. The agent does the rest.
Upload your roster
Send us a spreadsheet or connect your payroll. That's the whole setup — no benefits committee, no 40-page RFP, no six-week discovery call.
Works with any payroll export. We only ask for what routing requires.
Brokers serve the people who enroll. We serve your whole roster.
The ~30% who enroll
Group and ICHRA quoting, open enrollment, claims questions answered year-round. Table stakes — any broker offers this, so do we, just faster.
The ~70% everyone else ignores
Every employee who waives gets screened — household, income, dependents — and routed to what they qualify for:
Subsidized marketplace plans
Often cheaper than the group plan. The agent checks, compares, and enrolls.
Medicaid & CHIP
Workers and kids who qualify get filed — not handed a phone number.
SNAP
Food assistance much of your team is entitled to and has never claimed.
Childcare subsidies
State help that decides whether a parent can take the shift at all.
EITC
The tax credit hourly workers most often miss — flagged before filing season.
Illustrative example. Every worker covered, whatever the source. That's the promise.
“Sometimes the best advice is not to buy the plan we're paid on. We give it anyway.”
BenefitAgent is a licensed insurance producer. State availability list coming soon.
The ROI is retention.
Covered workers stay
Turnover on hourly teams is brutal, and losing coverage — or never having it — is a top reason people leave. A worker whose family is insured and financially stable shows up next month.
It feels free
We're paid carrier commissions, the same way your broker is today. No per-employee software fee, no retainer — just more service for the same money.
HR gets out of the benefits business
The agent answers "is the ER visit covered?" at 9pm so your office manager doesn't have to. Enrollment, questions, renewals — handled.
Early access
We're onboarding our first employers now. If half your team waives coverage every year — and you never find out what happens to them after that — this was built for you.
Early-access employers get white-glove onboarding and a direct line to the founding team. No case studies yet — just the product, on your roster.
Questions, answered plainly
See it on your own roster
A 30-minute walkthrough with your numbers: what a group plan and an ICHRA would cost you, and what your waived employees likely qualify for.