Benefitra is one team across four pillars: brokerage, HR SaaS, marketing, and decision-support tools. We grade funding fit across seven arrangements and show our work on every recommendation.
Benefitra is a single team operating across four product pillars. Employers can adopt one pillar or stack them, and every pillar feeds the others with the same operating data.
Health, dental, vision, life, disability. Independent across all 50 states for individual, family, and group.
Funding strategies →Seven funding paths graded for fit, not pushed by allegiance. Renewal math you can audit line by line.
Compare paths →Lead-engine and rankings for growing employers. Page-2-to-page-1 in months, not years.
See trajectories →16+ free decision-support calculators: ACA, COBRA, ROI, valuation, funding projector, renewal stress test.
Browse tools →Benefits decisions affect payroll, retention, P&L, and the lives of the people on the plan. Our principles exist to make those decisions defensible after the fact, not just persuasive in the moment.
Show the math, every time. A recommendation that an operator cannot reproduce is a recommendation that depends on trust alone. Benefitra publishes the math behind every grade: the questions we ask, the thresholds we apply, the scenarios we model. The Funding-Fit Discovery, the Benefits ROI Calculator, the Premium Renewal Stress Test, and the Health Funding Projector are public for exactly this reason.
Stay independent across products and payroll. When a broker is tied to a payroll provider, the conversation drifts toward what the bundle wants instead of what the employer needs. Benefitra is broker-led and works with every major payroll provider. Switching brokers does not force a payroll switch, and switching payroll does not force a benefits switch.
Grade fit, not allegiance. There are seven major group-funding arrangements in the United States: fully-insured, level-funded, self-funded, captive, ICHRA, PEO-integrated, and Taft-Hartley. Each one is the right answer for some employers and the wrong answer for others. We score fit across all seven and tell the operator why one ranked higher than the next. No default arrangement.
Serve growing employers, not the smallest or largest. Benefitra works best for employers in the 20 to 250 employee range: past the point where one-size-fits-all small-group plans stop fitting, and below the point where a dedicated in-house benefits team replaces the brokerage entirely. State-specific health-plan pages and individual-and-family plans cover the people inside those companies as well.
Educate before we sell. The blog, the tool library, and the state-specific guides exist so an operator can build their own understanding before a single conversation. A well-informed buyer is faster to engage, slower to churn, and more confident in the renewal cycle that follows. We measure success in retention, not in the size of the opening pitch.
Every tool publishes its inputs, formulas, and limits. Operators can run the same scenario themselves and check our work.
The public-facing decision tools and chatbots stay carrier-neutral. Carrier selection happens inside a licensed engagement, not on a marketing page.
State health-plan pages cover marketplace, Medicaid, and DOI specifics. ICHRA and self-funded designs travel across state lines.
The team worked with us to decrease our health costs by nearly 50% without raising deductibles or limiting the doctor network. The savings let us add valuable benefits and they were always willing to take a call.
Without changing payroll or going through underwriting, we saved over 50% while upgrading the plan and improving benefits. The savings funded dental, vision, and a new full-time hire.
The Benefitra plan lowered my family's cost substantially while improving coverage. I've been so happy with it that friends and family have since joined the plan as well.
Who Benefitra serves, how the platform is funded, and what makes the team different from a payroll-bundled broker.
Answer twelve short questions. We grade your fit across the seven funding arrangements and show the math on every line.
Start the discovery →