Is the savings figure guaranteed?

Once you're quoted, yes: your contribution is set in the quote before the plan starts. Figures from the calculator or this page are estimates until then.

How does Prescience make money?

A performance fee: the difference between our quote and the plan's actual costs. If costs use up the quoted amount, we earn nothing. There are no admin fees and no per-employee fees.

What if claims run high?

Quotes are priced to cover a bad year, not an average one, and a fully insured carrier plan covers large claims. Your agreement spells out how an extreme year is handled before you sign.

Where does our money sit?

In your company's Prescience Health Reserve, a dedicated account at a partner bank. Premiums and benefit costs are paid from it, and you see every line.

How is HSA funding handled?

Employer HSA contributions are released in four stages over the plan year as they're needed, instead of one large deposit in January. That keeps cash in your business longer.

Any month. Your plan year starts on your start date, so you don't have to wait for a renewal or open enrollment.

Do we have to leave our payroll provider?

No. Keep Gusto, Rippling, Justworks, Deel, or your current system. Premium and HSA deductions sync to payroll every pay run.

Benefits on autopilot with AI. Enrollment, COBRA, and filings handled for HR.See how →

A health plan you can budget for.

Your contribution is set in the quote before the plan starts, usually 10 to 20% below comparable fully insured coverage. No admin fees on top.

Run the numbers Get an instant quote

Plan year budgetExample · 50 employees

Your contribution

$63,750a month, set in the quote

Saved this year

$135,00015% below the benchmark

Same contribution every month. No admin fees on top.

Where the money goes, and how we get paid.

Prescience makes money when your plan costs less than we quoted, not from fees on every employee.

Before day one
Your contribution is set
The quote fixes what you pay, usually 10 to 20% below comparable fully insured coverage.
Every month
Funds go to your reserve
You pay the quoted amount into your company's Prescience Health Reserve.
As care happens
The plan is paid from it
Carrier premiums and benefit costs come out of the reserve, itemized on your bill.
Each quarter
We earn only below the quote
Our fee is what's left under the quote, collected each quarter and trued up at year end.

Run the numbers on your team

Compare what you pay today with Prescience. You get a directional estimate now and an exact figure in your quote.

Built for the finance team.

$0
Admin and per-employee fees
Nothing billed on top of the plan. One monthly bill, itemized.
4
HSA funding stages
Employer HSA money is released over the year, not in one January deposit.
Any month
Plan year start
Switch when it makes sense for your budget, not on January 1.

Line by line, 36% less.

$875K

Where a Series B's savings came from.

Prescience designed a richer plan for a 120-person Series B company in San Francisco that costs 36% less than its Rippling PEO plan.

Read the story

Rippling PEO plan$2,428,404 a year

Prescience$1,553,802 a year

Net annual employer cost, modeled for the plan year.

Frequently asked questions

Know what next year's health plan costs before it starts. Then spend the savings on the business.

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A health plan you can budget for.

Where the money goes, and how we get paid.

Your contribution is set

Funds go to your reserve

The plan is paid from it

We earn only below the quote