Outgrowing your PEO? Keep the great benefits.
Get your own company health plan with $0 admin fees. Keep your payroll provider. We handle the switch.
Connects to Rippling, Warp, Deel, Slack and 260+ more apps
Admin fees
$0
No per-employee PEO fee on top of premiums
Your payroll
Keep it
No co-employment to unwind your benefits
Deductible
$0
Effective deductible with simple copays
Start date
Any month
Switch at renewal or mid-year
Why teams leave their PEO
Your own plan. Without the PEO bill.
A PEO bundles health insurance with payroll and HR, and charges for the bundle on every employee. Prescience gives your company its own plan instead.
$0 admin fees
PEOs add a fee per employee or a share of payroll on top of premiums. Prescience charges no admin fees.
A plan built for your team
Not a pick from a PEO's menu: an effective $0 deductible and simple copays, designed for your company.
Switch any month
Start at your PEO renewal or mid-year. We confirm the start date with you and handle setup and enrollment.
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
Leave the PEO. We handle the switch.
Bring your PEO invoice
Share your current plan, renewal date and team. We prepare a quote for your company.
Compare the full cost
See premiums, fees and coverage side by side, and what you’ll still need for payroll and workers’ comp.
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
Bring your PEO renewal.
Get an instant quote for your team, or book 30 minutes with us to walk through your PEO invoice.