Benefit Companion
LiveCensus in, filed rates compared, branded proposal out — plus a turnkey employer and employee portal.
The benefits intelligence vertical of Innov8 Benefits
AI-powered clarity for health benefits.
We're building the operating system that makes health benefits make sense — for brokers, employers, and the people they cover. No more digging through PDFs, guessing at plan details, or explaining the same deductible five times.
What we are
Benefits should be navigated, not decoded.
Innov8 Healthcare is the benefits intelligence vertical of Innov8 Benefits. We combine public filings, carrier data, and AI to turn messy health-plan information into clean, actionable guidance.
Three groups feel that mess every day — the brokers who sell coverage, the employers who buy it, and the employees who have to use it. Here's what changes for each of them.
For brokers
Quote faster. Win more. Stop wrestling with portals.
Benefit Companion takes the parts of your week that are pure friction — pulling rates, rebuilding spreadsheets, formatting proposals — and turns them into a few minutes of work. Broker OS keeps employers, elections, documents, and compliance reporting in one place.
- 01
Upload a census
Drop in the employee file you already have. No reformatting, no re-keying.
- 02
We match real filed rates
We price against actual public rate filings and carrier data — not estimates.
- 03
Branded proposal + client portal
Deliver a proposal in your brand, plus a turnkey employer and employee portal.
Already have an AMS or quoting tool?
We sit alongside what you already run. Nothing gets ripped out, and onboarding is measured in days — not quarters.
For employers
Know exactly what you're buying — and what it costs your people.
Renewal shouldn't be a leap of faith. You get a clear read on plan design, real employee cost impact, and a place for your team to actually understand their coverage.
Request early access- See exactly what a plan costs you — and what it costs your people — before you sign.
- Compare options side by side without a spreadsheet rebuild every renewal.
- Give your team a portal that answers their questions so HR isn't the help desk.
For employees
Ask a question. Get a plain answer.
Iris is our benefits guide, built into Benefit Companion. She explains coverage in everyday language, never invents plan details, and never sounds like a chatbot.
Bring Iris to your teamAsk Iris
- "Is my doctor in network?"
- "What will this cost me before the deductible?"
- "Which plan makes sense for my family?"
Answers come from the actual plan documents — not a guess.
The platform
Four products, one connected system.
We say plainly where each piece stands today.
Broker OS
In productionEmployers, employees, elections, documents, and compliance reporting in one place.
Plan Matching & Navigation
In developmentMatches people to the right plan based on how they use care, then guides enrollment and life events.
Iris
LiveOur plain-English benefits guide, answering coverage questions without inventing plan details.
Why we're different
Serious about the details that matter.
Built from primary sources
We ingest public rate filings, carrier manuals, and direct carrier data — not third-party aggregators.
Privacy and security first
Health information deserves care. We build with encryption, least-privilege access, and clear data boundaries from day one.
Built for real people
Warm language, no forms designed for insurers instead of humans.
Multiple patents pending
230+ claims filed across benefits intelligence, navigation, and broker tooling.
Get early access
Ready to see it on your own book?
Stay in touch
Request early access
Tell us a bit about you and we'll be in touch about Benefit Companion and the rest of the platform.