Small-business health & benefits insurtech
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; independent, source-checked profiles with ratings and key facts side by side.
Ratings are QuoteSweep’s independent editorial score (out of 5), calibrated within this category. Tap any company for the full profile and methodology.
| Company | Rating | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|---|
 Thatch | 4.3 / 5 | 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) |
 Gravie | 4.1 / 5 | 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 |
 Justworks | 4.1 / 5 | 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) |
 Take Command | 4.1 / 5 | 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 |
 Angle Health | 4.0 / 5 | 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) |
 Sidecar Health | 4.0 / 5 | 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 |
 StretchDollar | 4.0 / 5 | 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 |
 Sana Benefits | 3.9 / 5 | 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 |
 Zorro | 3.9 / 5 | 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 |
 Nava Benefits | 3.8 / 5 | 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 |
 Bennie | 3.7 / 5 | 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 |
Angle Health
Small and midsize employers wanting a modern, integration-heavy, AI-driven health plan
Bennie
Employers wanting a modern benefits broker plus an employee app that cuts benefits questions
Gravie
Small and midsize employers wanting a deductible-free plan or a modern ICHRA
Justworks
SMBs that want payroll, HR, and access to large-group health benefits bundled in one PEO
Nava Benefits
Small-to-mid employers wanting a modern broker with AI tooling to cut benefits admin
Sana Benefits
Small businesses wanting an all-in-one plan with free virtual primary care built in
Sidecar Health
Employers wanting a transparent, network-free, cash-pay major-medical plan
StretchDollar
Small businesses that want a simple, transparently-priced ICHRA — including those new to offering benefits
Take Command
Employers of any size wanting an established, full-service ICHRA or QSEHRA administrator
Thatch
Employers moving from a group plan to an ICHRA who want an all-in-one, fast-setup platform
Zorro
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.