We know the pain points. From long quoting times to resistance to unfamiliar options like level-funded plans, selling to small businesses through insurance brokers can be an uphill battle because you have to overcome both audiences’ concerns.
Brokers favor familiar products, and employers hesitate with terms like “self-funded” or "self-insured," fearing risks and complexity, which means they take on more financial responsibility for claims instead of transferring risk to an insurance company. This creates extra hurdles for you to get your innovative solutions in front of decision-makers.
Health in Tech is here to change the game with small-group level-funded plan options, an advanced platform that simplifies quoting, reduces administrative challenges, and ensures your clients' confidence.
Health In Tech's solutions cater uniquely to the underserved small employer groups, giving your TPA access to the only marketplace where small and medium-sized employers can obtain a bindable quote within minutes. With Health In Tech, your TPA can streamline plan implementation and achieve interoperability by connecting plan data across providers and members.
With so many choices out there, what sets Health in Tech apart?
Level-funded health plans offer several advantages for providing health benefits, including predictable costs, flexibility, and risk management.
With our eDIYBS underwriting platform, you can generate bindable level-funded health plan quotes within minutes. No more waiting weeks, no missed opportunities. Fast turnaround times mean you’ll always stay a step ahead of your competition.
Help your brokers tailor health care plans to suit client needs. Our eDIYBS quoting platform provides 12 plan options and 4 tiers to choose from. Whether they need unique plan designs, competitive network discounts, or specific wellness incentives, Health in Tech gives you the flexibility to deliver. Our level-funded health plans promote healthy habits, improve overall employee health, reduce claims, and contribute to cost savings.
Your clients can further enhance their offering by bundling in their ancillary benefits, such as dental, vision, and GAP coverage to create a health plan that minimizes healthcare expenses while maximizing benefits for small business clients.
Help your brokers save money for their small business clients. Level-funded plans combine the predictability of fully insured plans with the flexibility and savings potential of self-insured options.
One way our plans help control cost is by including stop-loss coverage for unexpected high claims, ensuring small businesses feel secure every step of the way.
Also, level-funded plans typically cost less than fully insured traditional group health plans, especially for companies with healthier employees that have fewer claims.
Finally, with our reference-based pricing HI Performance Network (HPN)* your brokers can also offer up to 40% savings for their clients without cutting corners on employee health benefits. HPN provides direct Medicare contracts in:
States
Hospitals and growing
Providers
Help your brokers protect their clients with coverage for individual and aggregate claims, limiting their financial risk and ensuring stability.
To do that, our level-funded health plans incorporate stop-loss insurance. When claims exceed a certain threshold, the stop-loss insurer covers the excess costs, protecting the employer.
Empower your brokers and employer groups with real-time data and claims transparency through our HI Card* streamlined transaction platform. Our platform demystifies costs, making it easier to track performance and identify cost savings opportunities.
The HI Card* eliminates complexity by providing an all-in-one transaction platform for payers, employees, and providers. It’s seamless, fast, and ensures every stakeholder is on the same page, every time.
Here’s how TPAs like you simplify success with Health in Tech:
Use our cutting-edge platform (eDIYBS) to produce bindable quotes in just minutes. Time is money—we save you both.
Provide clear, customizable options for brokers to confidently pitch to their clients.
Bring flexible, cost-saving solutions that balance employer needs with employee satisfaction.
Rely on our integrated platform and tools, such as the HI Card*, for seamless transactions and management. The platform also helps manage other administrative tasks, such as claims processing, customer service, access to patient information, and participant onboarding.
“We’re an innovation forward TPA looking for a self-funded solution from a company that matched our desire to make things simple for brokers. Health In Tech not only delivered the solution but helped us evolve our service beyond our clients expectations. We’ll be a client for life.”
– Sterling Worrall, Relationship Manager, Blackhawk Claims Service
*DISCLAIMER: HI Card and HI Performance Networks are under re-development. Some features are not available till end of 2025.