Skip the allowance. Give your team a real plan.
One company health plan instead of an ICHRA: no shopping for individual policies, no reimbursement paperwork, $0 admin fees.
Connects to Rippling, Warp, Deel, Slack and 260+ more apps
Admin fees
$0
No platform fee per enrolled employee
Deductible
$0
Effective deductible with simple copays
Network
National
PPO network plus providers we contract with directly
Care support
24/7
Crystal helps your team find and book care
ICHRA vs. a group plan
An allowance isn’t a health plan.
With an ICHRA, each employee shops the individual market, pays whatever the allowance doesn’t cover and submits proof for reimbursement. A group plan gives everyone the same strong coverage.
No shopping
Employees enroll in one company plan instead of comparing individual policies on their own.
No surprise shortfall
Individual premiums set what each employee pays above the allowance. A group plan has one price, set in your quote.
An effective $0 deductible
Simple copays shown before a visit, instead of whatever deductible each individual policy carries.
Compare your benefits
Better than big-tech benefits.
On a startup-sized budget
Compare coverage, care costs and the support your team gets with each plan.
| Benefit | PrescienceDiamond | FAANGBig-tech benchmark | Typical startupSmall-employer benchmark |
|---|---|---|---|
| Coverage level | Above Platinum | Platinum-level≈92% of care costs | Bronze / Silver60–70% of care costs |
| Annual deductible | $0Effective deductible | $0–$500 | $2,631Small-employer average |
| Out-of-pocket maximum | ~$1–2k | $2–4k | $3–6k |
| What you pay for care | Upfront copays0% coinsurance | 10% coinsurancePlus copays | 20–30% coinsurance |
| HSA support | HSA eligible~$3k in family tax savings | HSA eligibility or low-deductible benefitsTypically a choice between the two | Varies |
| Network | PPO + Prescience NetworkNo PCP referral needed. More ways to see doctors faster, at low cost, even in hard-to-reach areas. | PPO | HMOLimited to the local area |
| Ancillary benefits | GLP-1s for all medical indicationsComplimentary whole-genome sequencing, blood testing and a wearable for eligible employees. | Some wellness apps | None |
| Help getting care | 24/7 Care CompanionCalls doctors for you and handles your records, saving hours. | Call centers | Call centers |
Ask to see a sample employee guide for more information on the costs of specific care. Illustrative plan designs; actual benefits vary by employer, plan and eligibility. Out-of-pocket ranges are annual, in-network individual limits. GLP-1s and ancillary benefits are subject to medical necessity and plan terms; provider access and cash-pay reimbursement depend on the plan. Complimentary whole-genome sequencing with raw data access (not a diagnostic or medical service). Fitbit Air is a wellness benefit, not medical care.
The ~$3k HSA example assumes an eligible family contributes the full $8,750 limit for 2026 at an illustrative 34% marginal tax rate. Actual savings depend on contributions and tax circumstances; this is not a cash bonus. Sources: Prescience YC Health Report (coverage benchmarks); KFF 2025 (small-employer deductible, among plans with a deductible); IRS 2026 HSA limits.
A simple switch
From allowance to plan. We handle the switch.
Bring your ICHRA setup
Share your allowances, employee classes and renewal date. We prepare a group quote for your team.
Compare both ways
See the employer budget and what employees still pay out of pocket under each option, side by side.
We handle the switch
Confirm the start date. Prescience sets up the plan and enrolls your team, then runs it from there.
Frequently asked questions
Next step
Compare your ICHRA with a real plan.
Get an instant quote for your team, or book 30 minutes with us to walk through your allowances.