Health insurance for themodern employer

Prescience is the preeminent health benefits platform for the world's most ambitious companies.

Illustration of a modern building with teams working across the rooftop, offices, and street level

Plan design

Better than Fortune 500

At a fraction of the cost

Runway returned

$875K

Series B case study

Administrative time

1 hour

The fastest health plan setup, ever

Premium benefits

Diamond

$0 Deductible, GLP-1s included

Hiring benefits

Attract talent

Prescience offers your company the best health benefits and perks on the entire market.

Benefits card

Your Company

Diamond

0000  2026  PRE  SCI

Plan

Prescience Diamond

Employee premium

$0

Premium

★★★★★

Access

★★★★★

Perks

★★★★★

Wearable · GLP-1s · HSA funded at care

Series D co.

Bronze

Rippling Bronze Plan

★★★★★

FAANG

Gold

United Gold Plan

★★★★★

MBB

Silver

Blue Cross Silver Plan

★★★★★

Goldman/JPM

Silver

Cigna Silver Plan

★★★★★

Frontier Lab

Gold

Thatch Gold Plan

★★★★★

Same role. Same salary.

Industry-standard offer

Your Company

Senior Software Engineer · Remote

Dear Alex,

We’re thrilled to extend you an offer to join us as a Senior Software Engineer.

Base salary$215,000
Equity0.08% · 4y vest
Sign-on bonus$15,000

Benefits

  • Aetna via Rippling PEO · $1,700 deductible
  • $148/mo employee premium
  • $50/mo gym reimbursement
  • 14–26 day MD wait
Sincerely,
Recruiting Team

Prescience-powered offer

Your Company

Senior Software Engineer · Remote

Dear Alex,

We’re thrilled to extend you an offer to join us as a Senior Software Engineer.

Base salary$215,000
Equity0.08% · 4y vest
Sign-on bonus$15,000

DiamondPrescience benefits

  • $0 employee premium · employer-funded HSA at care
  • Wearable, GLP-1s, gene testing included
  • Same-day MD & 24/7 Care Companion
  • Triple-tax-advantaged HSA, invest and grow
Sincerely,
Your Founding Team

Alex C. took the Prescience offer, and so would 80% of hires, who say they’d pick richer benefits over a pay raise.Harvard Business Review

Cost Savings

Save /year

Prescience turns reactive health spend into proactive health savings.

Illustrative comparison based on the selected plan and headcount, not a quote. Actual costs depend on plan design, geography, and claims.

Teams working on a modern rooftop terrace

If your company has employees on a health plan:

READY
PEO
Fully-insured · master health plan
Plan year 2025–26100–250 employees
Group #PEO-2026Itemized
CARRIER PREMIUM
Inpatient claims allowance$399K
Outpatient claims allowance$302K
Specialty / surgical claims$179K
Emergency department claims$63K
Preventive care visits$51K
Lab & imaging claims$58K
Behavioral health claims$40K
Carrier underwriting margin$125K
Administrative loading$58K
IBNR / reserves loading$128K
Premium tax (2.1%)$33K
ACA health insurer fee$15K
Risk adjustment user fee$12K
Eligibility verification overhead$15K
+12 more fees$777K
PHARMACY (PBM)
Drug ingredient cost$74K
Specialty drug ingredient cost$29K
PBM spread pricing$22K
PBM rebate retained by PBM$19K
PBM admin fee$8,225
Specialty drug markup$12K
Compounding fees$6,213
Prior authorization processing$3,413
Drug utilization review$2,713
Manufacturer coupon adjudication$1,400
+8 more fees$75K
NETWORK & UTILIZATION
Network access fee$15K
Facility fee markup$21K
Out-of-network repricing$6,913
Network leakage cost$9,625
Provider directory maintenance$5,513
Medical management / UR$9,625
High-cost protection load$51K
Aggregate risk buffer$15K
OON surprise bills$18K
Disease management program$6,913
+8 more fees$123K
BROKER & DISTRIBUTION
Broker commission (3.5%)$60K
GA override (1%)$17K
Marketing & distribution$11K
Renewal rate-up buffer$17K
PEO sales loading$14K
Account executive fees$4,813
Open enrollment events$2,713
Annual benefits fair$1,400
+6 more fees$51K
PEO ADMIN
PEO benefits admin$36K
Compliance / 5500 filings$8,225
COBRA administration$4,113
Open-enrollment processing hours$9,625
Plan setup & renewal$14K
Benefits portal license$8,225
HR support hours$4,813
ACA reporting (1094 / 1095)$6,213
Wellness & engagement license$4,813
Onboarding / offboarding ops$4,113
+8 more fees$56K
ANCILLARY
Dental premium (loaded)$40K
Vision premium (loaded)$14K
HRA contributions$29K
Wellness program$12K
EAP service$11K
Mental health add-on$11K
Critical illness rider$7,525
Accident insurance rider$6,213
Pet insurance discount admin$6,913
+7 more fees$84K
STATIC HSA (YOU EAT THE DEDUCTIBLE)
Employer HSA seed (flat)$96K
Deductible top-ups absorbed$12K
HSA bank maintenance$4,113
HSA debit card fees$8,225
HSA investment fund fees$6,213
Account closure on attrition$3,413
+4 more fees$22K
TOTAL$2.3M
per employee$13,200
PMPM$1,100
Thank you for your payment.Increases by 10% next year, automatically.
READY
Diamond plan
Plan year 2025–26100–250 employees
Group #PRE-2026Itemized
CARE & PHARMACY
Prescriptions & pharmacy$175K
Medical, specialist & hospital care$1.1M
High-cost claim protection$44K
+1 more fee$44K
JUST-IN-TIME HSA (NO OUT-OF-POCKET DEDUCTIBLE)
Just-in-time HSA funding$350K
Payroll tax savings-$26K
Tax savings, passed back to employees-$123K
HSA balances grow tax-free, foreverincluded
+2 more fees-$123K
DIAMOND BENEFITS
GLP-1sincluded
Free Wearableincluded
Gene sequencingincluded
24/7 AI Care Companionincluded
+2 more feesincluded
WHAT WE DON'T CHARGE
Admin fees$0.00
Broker commissions$0.00
PBM spread$0.00
Carrier margin loading$0.00
Renewal rate-ups$0.00
Hidden markups$0.00
+4 more feesincluded
TOTAL$1.5M
per employee$8,400
PMPM$700

Employee experience

Delight employee

Prescience gives your team the healthcare experience they always wished they had.

Member dossier · Confidential

Welcome to

Your team's Day 1 benefits packet, opened by every new hire on their first morning.

Group
Acme, Inc. · 240 employees
Plan
Prescience Diamond
Network
Direct + Tier 1, curated
Coverage
100% in-network
Effective
May 2026
HSA
Just-in-time funding
Page 1 of 6 · Issued May 2026

Next step

Upgrade your employee experience

Your employees are tired of calling a 1-800 number off an old directory. Prescience centers care with a 24/7 care companion, easy to understand plan documents, and affordable options. No more denials, delays, and deductibles.

Our Platform

One Thing

Prescience gives you time back with a dedicated MD team providing white-glove service.

Design

Custom plan in days, not months.

Our MD-led team designs a plan tailored to your company. No brokers and middlemen. White glove support included.

Prescience Diamond Planv3.2 · recommended

Acme, Inc. · 240 employees

  • Deductible$1,700
  • OOP max$4,500
  • HSA support+3k in tax-free pay
  • Premium tierDiamond
  • NetworkDirect + Tier 1
Onboard

Two-click employee setup.

Branded cash pay cards, virtual insurance cards, and best-in-class benefits powered by Prescience's leading fintech innovations.

Enrolled this week246 / 247
  • KL
  • MS
  • RC
  • TA
  • JP
  • AO
  • +240
Operate

Zero admin overhead.

Claims, COBRA, ACA filings, payroll sync, plan reserves typically take hours away from your team. We do it for you.

  • ACA 1094 / 1095Filed
  • Form 5500Filed
  • COBRA noticesAuto-sent
  • Payroll · GustoSynced 2m ago
  • Plan reserves$1.24M ready
  • HSA contributionsAuto-funded
  • Claims adjudicationReal-time
  • Risk protection filingSubmitted

Handled automatically. No employer input required.

Predict

Predict healthy timelines. Route with prescience.

Prescience's foundation model predicts the ideal route for every patient. We autonomously deploy for your employees.

Time Machine model
J. Okonkwo · 34

Predicted events

  • ER visit4 mo · $8,200
  • MSK surgery8 mo · $18,400

Total · $26,600

Ideal route

  • Tier 1 PTnext week · $420
  • Same-day imaging2 wk · $470

Total · $890

Cost avoided

Predicted path vs. AI-routed care

$25.7K

Improve

Healthier teams. Lower spend. Every quarter.

Healthier employees show up more, stay longer, and refer their colleagues to join your company. Prescience routes care so your team, P&L, and company culture get healthier.

Healthy work days reclaimed

Healthier employees show up more, stay longer, and refer their colleagues to join your company. Prescience routes care so your team, P&L, and company culture get healthier.

Per employee · 1 yr
Industry avg28 days lost
With Prescience4 days lost

Poor health costs U.S. employers $530B and 1.4B lost work days a year.Integrated Benefits Institute

Contact us

Get started

Tell us a bit about you and we'll be in touch.

Please don't include medical or personal health information. This is a general inquiry form — see our privacy policy.

Get your quote