Every Launches Health Benefits Model to Cut Startup Insurance Costs

Health insurance premiums have jumped 24% over the last five years, leaving many founders paying for Platinum PPO plans that their teams rarely fully utilize. With benefits serving as a critical tool for talent retention, companies often feel forced to absorb these rising costs. Every Benefits addresses this by allowing employers to select lower-cost Silver or Gold plans while using an employer-funded reimbursement arrangement to cover out-of-pocket expenses. This approach effectively brings the employee's deductible down to zero, mirroring the coverage level of more expensive plans.

For a 100-employee company, these savings reach approximately $125,000 per year. The model is made possible by integrating insurance brokerage, payroll, and benefits administration into a single platform. According to CEO Rajeev Behera, the primary goal is to stop companies from paying for coverage that their teams do not actually use. By owning the entire technical stack, Every automates the complex reimbursement process that typically requires coordinating between multiple vendors, banks, and HR providers.