Health benefits are the one line almost every small business buys and few compare well. These players modernize it in different ways — level-funded all-in-one plans, ICHRA, cash-pay price transparency, and tech-enabled brokers. This is the commercial buyer’s other big line; research profiles with rating status and key facts side by side.
Ratings are not yet published under methodology v2.1. Tables are separated by entity class; tap any company for the full profile, or read the ratings methodology.
Compared only within this entity class.
Angle Health
Gravie
Sana Benefits
Sidecar Health| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 Angle Health | Small and midsize employers wanting a modern, integration-heavy, AI-driven health plan | $134M Series B (Dec 2025, led by Portage); prior $58M Series A (2022) | Level-funded health plan (AI-native) | Most US states (Utah via Balanced Insurance Company of Utah) |
 Gravie | Small and midsize employers wanting a deductible-free plan or a modern ICHRA | $150M growth round (2025, reported); ~$530M raised total | Level-funded health plan (Comfort), ICHRA (Gravie ICHRA), Health payment support (Gravie Pay) | US small & midsize businesses |
 Sana Benefits | Small businesses wanting an all-in-one plan with free virtual primary care built in | ~$111M raised to 2022 (Crunchbase); no 2024–2026 round disclosed | All-in-one level-funded health plan, Sana Care (virtual-first primary care) | 16 states (AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, WI); 2+ enrolled employees |
 Sidecar Health | Employers wanting a transparent, network-free, cash-pay major-medical plan | $165M Series D (June 2024, led by Koch Disruptive Technologies) | Employer-sponsored major medical (cash-pay, ACA-compliant) | US employers |
Compared only within this entity class.
StretchDollar
Take Command
Thatch
Zorro| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 StretchDollar | Small businesses that want a simple, transparently-priced ICHRA — including those new to offering benefits | $6M seed (Dec 2024, led by Fika Ventures, with Oscar Health, Precursor, Springbank); ~$7.6M total disclosed | ICHRA setup & administration (small business), Employee plan-selection support (licensed guides), Optional dental & vision | US small businesses; also via brokers |
 Take Command | Employers of any size wanting an established, full-service ICHRA or QSEHRA administrator | $25M growth round led by Edison Partners (2023); ~$44.75M total (incl. a $12M Series A) | ICHRA administration, QSEHRA administration, HRA Hub platform (integrations, compliance, plan selection) +1 more | US employers of all sizes; also via brokers/consultants |
 Thatch | Employers moving from a group plan to an ICHRA who want an all-in-one, fast-setup platform | ~$84.5M raised; $40M Series B led by Index Ventures (2025), with a16z, General Catalyst, ADP Ventures | ICHRA setup & administration, Individual health/dental/vision marketplace, Thatch Visa card (qualified medical expenses) +1 more | US employers (self-serve, broker, and ADP RUN channels) |
 Zorro | Brokers building an ICHRA book, and employers wanting AI-guided individual plan selection | $31.5M raised; $20M Series A led by Entrée Capital (2025), with 10D and Pitango; $11.5M seed (2023) | ICHRA plan design & budget setting, AI decision support / plan recommendation, Benefits administration (enrollment + payments) +1 more | US, via brokers and employers |
Compared only within this entity class.
Bennie
Justworks
Nava Benefits| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 Bennie | Employers wanting a modern benefits broker plus an employee app that cuts benefits questions | $50M strategic from LNC Partners (Dec 2025); ~$100M total reported | Employee benefits brokerage (health & benefits), Bennie App + Ask Bennie concierge, Better Health Plan (level-funded) | US, 50 states |
 Justworks | SMBs that want payroll, HR, and access to large-group health benefits bundled in one PEO | ~$143M raised (private; FirstMark, Union Square Ventures, Bain Capital Ventures, Redpoint, others) | PEO co-employment (payroll, HR, compliance, benefits), Large-group health via master policy (Aetna, UnitedHealthcare, Kaiser), Ancillary benefits (dental, vision, HSA/FSA, life & disability, 401(k)) +2 more | US SMBs (EOR in ~32 countries) |
 Nava Benefits | Small-to-mid employers wanting a modern broker with AI tooling to cut benefits admin | $30M Series C (Oct 2025, led by Thrive Capital); prior $40M Series B | Employee benefits brokerage (health & benefits), Nava HQ benefits platform | US small-to-mid employers |
Small and midsize employers wanting a modern, integration-heavy, AI-driven health plan
Employers wanting a modern benefits broker plus an employee app that cuts benefits questions
Small and midsize employers wanting a deductible-free plan or a modern ICHRA
SMBs that want payroll, HR, and access to large-group health benefits bundled in one PEO
Small-to-mid employers wanting a modern broker with AI tooling to cut benefits admin
Small businesses wanting an all-in-one plan with free virtual primary care built in
Employers wanting a transparent, network-free, cash-pay major-medical plan
Small businesses that want a simple, transparently-priced ICHRA — including those new to offering benefits
Employers of any size wanting an established, full-service ICHRA or QSEHRA administrator
Employers moving from a group plan to an ICHRA who want an all-in-one, fast-setup platform
Brokers building an ICHRA book, and employers wanting AI-guided individual plan selection
Also useful: best small-business health insurance or the full insurtech landscape.
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