Better benefits.
Smarter decisions.
Planexa Health helps businesses understand, compare and manage employee benefits with AI — while giving employees a simpler way to understand and use their coverage.
- Current Renewal$947,600
- Alternative Carrier$875,000
- Plan Redesign$842,000
- Alternative Funding$790K–$880K
Illustrative example. Actual pricing and availability depend on carrier, jurisdiction, underwriting and plan design.
Trusted by forward-thinking employers
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Benefits cost more every year — and almost nobody understands them.
Those two problems compound. Employers pay more for coverage while employees use less of it, because they cannot tell what it covers.
Premiums outran pay and prices in 2025
Year-over-year change, 2024 → 2025
- Family premiums+6%
- Worker wages+4%
- Inflation+2.7%
Over the last five years family premiums rose 26% while wages rose 28.6% — the pressure shows up unevenly, year to year. 2025 is one of the years it bit.
Source: KFF, 2025 Employer Health Benefits SurveyMost people cannot price their own care
Share of U.S. adults answering correctly
- What a premium is79%
- What a provider network is76%
- What an annual deductible is72%
- What an out-of-pocket limit is67%
- What a drug formulary is33%
- Cost of an out-of-network lab test16%
answered all ten health-insurance literacy questions correctly.
Survey of 1,292 U.S. adults, October 2014 — the most recent nationally representative measure of health-insurance literacy at this level of detail.
Source: KFF, Assessing Americans' Familiarity With Health Insurance Terms and Concepts (2014)Built for everyone involved in benefits.
Benefits touch finance, HR and every person on the team. Tell us where you sit and we will show you the part that matters to you.
Control cost and evaluate every renewal option before you sign.
Explore Planexa for EmployersBenefits people can actually understand.
Give employees an AI assistant that helps explain their coverage and navigate their benefits.
- Plain-language answers
- Coverage lookups
- Claim guidance
- Plan documents on hand
- Available in the flow of work
Answers are based on available plan information and should be verified against authoritative plan documents.
Benefits intelligence built around people.
Planexa combines AI, financial intelligence, and employee-first benefits navigation to help businesses make better benefits decisions.
AI-Driven Insights
Structure the plan documents, quotes and renewal data you already have, then read what they actually say.
People-Centric
Benefits only work if the people covered by them understand what they have.
Cost Intelligence
See where the spend sits, what is driving the renewal, and what the alternatives would cost.
Healthier Workplaces
Coverage that gets used is coverage that works — for the team and for the balance sheet.
- AI analysis
- Plan documents
- Carrier quotes
- Cost intelligence
- Coverage in use
- Employee questions
Better benefits require
a better infrastructure.
Plan documents, carrier quotes, renewal figures and the questions your team actually asks all run on one layer. The same information that settles a renewal decision is what answers an employee at the pharmacy counter.
A better way to manage employee benefits.
Benefits decisions affect both your company’s finances and your employees’ wellbeing. Planexa brings benefits intelligence, plan comparison and employee support into one AI-powered platform.
- EmployerPlans, census, renewal documents
- PlanexaStructures, analyses, compares
- Carriers & Benefits ProvidersQuotes, plan designs, pricing
- EmployeesCoverage they can actually use
Smarter benefits decisions start with better intelligence.
Planexa structures benefits information, analyzes renewal changes and helps employers and licensed advisors compare available options.
- Renewal analysis
- Plan comparison
- Carrier comparison
- Quote organization
- Cost modeling
| Plan | Current PlanCarrier A | Option BCarrier BLowest cost | Option CCarrier A |
|---|---|---|---|
| Annual premium | $947,600 | $875,000 | $842,000 |
| Deductible | $1,500 | $2,000 | $2,500 |
| Paramedical / practitioner | $500 | $750 | $500 |
| Dental · Vision | Dental includedVision included | Dental includedVision included | Dental includedVision not included |
Illustrative example. Plan availability, pricing and covered amounts vary by carrier, jurisdiction and underwriting.
Understand where every benefits dollar goes.
Bring benefits costs, utilization insights and funding scenarios into one clear financial view.
- Cost analytics
- Renewal trends
- Plan benchmarking
- Funding scenarios
- Risk modeling
Annual benefits spend
$ thousands2026 shown as proposed renewal, not actual spend.
Funding scenarios
- Fully insured$948K
- Alternative carrier$875K
- Plan redesign$842K
- Alternative funding$835K
Illustrative example. Figures do not represent a quote, an offer, or an expected outcome.
This is what an employee actually gets.
Pick a question. The answer comes back in plain language, with the number that applies and the plan document it came from.
Does my plan cover physiotherapy?
Yes. Your plan covers physiotherapy at 80% of eligible costs, up to an annual maximum. You do not need a doctor's referral.
- Coverage
- 80% of eligible cost
- Annual maximum
- $750 per person
- Referral needed
- No
From: Group Benefits Booklet · Paramedical Services
Illustrative example using a sample plan. Answers are based on available plan information and should be verified against authoritative plan documents.
Lower costs. Better benefits.
Healthier workplaces.
Planexa connects the information that benefits decisions depend on, then turns it into analysis employers, advisors and employees can act on.
- Employer Data
- Plan Documents
- Carrier Quotes
- Benefits Data
- Permitted Claims Data
- Renewal Analysis
- Plan Comparison
- Funding Models
- Employee Support
- Benefits Administration
From renewal to everyday benefits support.
- 01Connect
Upload your current benefits and renewal information.
- 02Analyze
Planexa structures and analyzes the information.
- 03Compare
Understand plans, costs and available strategies.
- 04Manage
Support employees and manage benefits throughout the year.
What does next year cost you?
Put in your own numbers. The projected renewal uses the average increase employers actually saw in 2025.
Illustrative strategies, modelled against that renewal
- Alternative carrier$778,464 – $821,712
- Plan redesign$743,866 – $795,763
- Alternative funding$709,267 – $813,062
The renewal figure is real; the strategy ranges are illustrative. The 6% increase is the 2025 average for employer family coverage (KFF). The strategy ranges are modelling assumptions, not quotes, offers or expected outcomes. Actual pricing, savings, plan availability and funding outcomes depend on carrier, jurisdiction, underwriting, plan design, claims experience and other factors.
Built for benefits data.
Designed for trust.
Benefits data is some of the most personal information an employer holds. Planexa is designed with enterprise security and privacy principles in mind.
Secure Infrastructure
Encrypted in transit and at rest, on managed infrastructure with least-privilege service access.
Role-Based Access
Employers, advisors and employees each see only what their role allows.
Organization Isolation
Every record is scoped to its organization and enforced at the data layer.
Auditability
Access and changes to sensitive benefits records are logged and reviewable.
Privacy by Design
We collect what the product needs to work, and nothing collected without a purpose.
Designed with enterprise security and privacy principles in mind. Planexa Health does not currently claim SOC 2, HIPAA, PIPEDA or ISO certification; any certifications will be published here once independently verified.
A healthier workforce
builds a brighter tomorrow.
AI-powered employee benefits for modern businesses.
- People
- Plans
- Possibilities