Available now · best for larger teams
Your benefits budget should stay with your team.
Fund your team's health and dental directly, with the admin handled for you. You pay for what your team actually uses — and keep what they don't, instead of handing it to an insurer. Built for groups with the scale to run it, and structured honestly.
For: Larger employers and institutions with the scale to run their own plan responsibly.
How it works
Pay for benefits as your team uses them, instead of buying a packaged product. You keep what isn't spent.
We handle claims review and give you clear reporting, so you always know where you stand.
Funding your own plan carries more legal weight, so each plan is reviewed with counsel before it goes live. We'll tell you plainly what applies to you.
What’s eligible
Honest about what this is — and isn’t
- •Funding your own plan means your organization carries the cost directly — it is not licensed insurance.
- •It carries real legal, actuarial, and regulatory considerations; we review each plan with counsel before it goes live.
See our integrity levels for exactly how we grade and review every offering.
Questions
How is this different from a Health Spending Account?
A Health Spending Account pays individuals back for health costs, pre-tax. The Full Plan covers your whole group's health and dental directly, at larger scale — and the surplus stays with you.
Is it risky?
It suits groups with the scale to absorb variability, and a built-in safety cap protects you from a bad year. We're honest about the trade-offs and review each plan first.