Every Benefits: Stop paying for health insurance your team doesn't use
The smarter way to offer great benefits — without overpaying for coverage employees don't need.
Healthcare is the second largest expense at most startups, right behind payroll. And every year, costs go up while coverage stays the same or gets worse. Over the last five years, average family premiums have risen 26%, according to KFF's 2025 Employer Health Benefits Survey.
Today, we're doing something about it.
Every is launching Every Benefits — a new way to fund health insurance that saves the average startup $1,200 per employee per year, without changing carriers, networks, or the employee experience.
The problem with how startups buy benefits today
I've been a startup CEO for over 10 years. The first few times I renewed benefits at my previous company, I thought my HR vendor was ripping me off. So I went looking for a better deal. What I found: prices had gone up everywhere. I wasn't being taken advantage of. The math was just broken.
Most startup teams skew young and healthy. The average employee never comes close to hitting their deductible. But given the war for talent, startups feel pressured to offer Gold and Platinum plans. So they pay premium prices for coverage their teams barely use.
You're prepaying for healthcare that may never happen.
How Every Benefits works
Every Benefits flips the model.
Instead of choosing a high-premium plan upfront, you pick a lower-premium plan and pair it with an employer-funded Health Reimbursement Arrangement (HRA). Employees are reimbursed for eligible out-of-pocket costs as they're incurred. You pay for benefits as they're used — not before.
The result:
- A Silver plan that feels like Gold
- A Gold plan that feels like Platinum
- Same carriers. Same networks.
- A $0 effective deductible experience for employees
- A meaningfully lower cost for you
Every handles the setup, funding, and administration automatically. No spreadsheets. No third-party brokers. No SimplyInsured. Every is now your broker.
The savings
For a 25-person company, Every Benefits reduces annual benefits spend from approximately $261,000 to $230,000 — about $31,000 saved in a typical year.
| Company size | Typical annual savings |
|---|---|
| 25 employees | ~$31,000 |
| 50 employees | ~$62,000 |
| 100 employees | ~$125,000 |
That's up to 12% off your health benefits spend, with no reduction in plan quality.
Savings figures are based on a 25-employee company on a small group, fully insured Platinum PPO. Actual savings depend on plan selection and utilization and may vary. Every Benefits is available in select states; see every.io for current availability.
Built into your back office
Every Benefits isn't a standalone tool bolted onto your existing stack. It's part of the same platform where you run payroll, manage HR, and handle your finances.
Onboarding is one flow. Benefits and payroll connect automatically. Your team shops for plans directly in Every — no separate login, no separate vendor relationship.
One platform. One login. Your entire back office.
Get started
If you want to see how much your company could save, email sales@every.io and we'll send you a cost calculator.
Or get started with Every today.
Up to 3,500 bonus and 3% cash-back on all card spend [3], 6 months off payroll, and 50% off bookkeeping for 6 months, free R&D credit.
Frequently Asked Questions
- How do I sign up for Every?
You can get started right away—just click “Get Started” and follow a short onboarding flow. Prefer a little help? One of our specialists can walk you through incorporation, banking, payroll, accounting, or whatever you need.
- What features does Every offer?
Every gives startups a complete back office in one platform. From incorporation and banking to payroll, bookkeeping, and tax filings, we take care of the operational heavy lifting—so you can spend more time building, less time managing.
- How is Every different from other tools?
Most competitors give you software. Every gives you a full-stack finance and HR team—plus smart financial tools that actually benefit founders. Earn up to 4.3% interest on idle cash and get cash back on every purchase made with your Every debit cards, routed straight back to you.
Every is not a bank. Banking services provided by Thread Bank, Member FDIC. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Pass-through insurance coverage is subject to conditions. The Every Visa Business Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.
- Is my data secure with Every?
We use end-to-end encryption, SOC 2-compliant infrastructure, and rigorous access controls to ensure your data is safe. Security isn’t a feature—it’s foundational.
Can I switch to Every if my company is already set up?Yes—you can switch to Every at any time, even if your company is already incorporated and running. Whether you're using separate tools for banking, payroll, bookkeeping, or taxes, we’ll help you bring everything into one place. Our onboarding specialists will guide you through the process, make sure your data is transferred cleanly, and get you set up quickly—without disrupting your operations. Most founders are fully transitioned within a week.
- What stage of startup is Every best for?
Every is designed for startups from day zero through Series A and beyond. Whether you're just incorporating or already running payroll and managing expenses, we meet you where you are. Early-stage founders use Every to get up and running fast—with banking, payroll, bookkeeping, and taxes all handled from day one. Growing teams love how Every scales with them, replacing patchwork tools and manual work with a clean, unified system.
We’re especially valuable for teams who want to move fast without hiring a full finance or HR team—giving founders more time to build, and fewer distractions from admin and compliance
- How long does onboarding take?
Onboarding with Every is fast and efficient. For most startups, the process typically takes between 3 to 7 days, depending on your specific needs and how much setup you already have in place.
If you're a new company, you'll be up and running quickly—getting your banking, payroll, and bookkeeping set up without hassle. If you’re transitioning from another system, our specialists will help you migrate your data, ensuring a smooth switch with no gaps or errors in your operations.
We guide you every step of the way, from incorporation to setting up automated payroll to handling your taxes—so you can focus on growing your business. Our goal is to make sure you're fully operational and confident in your back office in under a week.
Practical Questions to Ask to Ensure Your Bank is Well Managed
How much liquidity does the bank have on hand to cover unexpected withdrawals or shortfalls?
What percentage of the bank's deposits are invested in longer-term securities and loans, and what percentage is kept as cash reserves?
How does the bank diversify its investment portfolio to minimize potential losses and reduce risks?
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