The consumerization of enterprise software has finally hit the benefits industry at full force. There is a heightened focus on app-like, user-centric experiences and all-in-one software: payroll, performance management, time tracking, benefits, hiring, IT, compliance; everything employers need top to bottom. 

As new ben-admin solutions have gained traction, established players are responding with their own efforts to make benefits more integrated and more user-friendly.

Yet, despite so much appetite for innovation, delivering a great benefits experience is still far too difficult. The same pain points persist – complex record keeping, slow group setup times, confusing data mapping processes, highly variable carrier integrations, constant data errors, heavy manual operations work, and the list goes on.

Conventional middleware—data pipes that scrub and transmit data—offer some relief but don’t do enough to unify processes and eliminate complexity. And this complexity is holding the entire industry back. 

It needs to be easier for builders to build without requiring insurance carriers to completely change how they operate or requiring ben-admins to commit so many resources to complex, back-office infrastructure that does little to differentiate their product.

Benefits needs a better foundation to build on. 

Today, Noyo is introducing the first benefits operating system, built to handle the full scope of complexity across the benefits lifecycle. It’s ready to use out of the box if you’re building something new, and easily configurable for established ben-admins wanting to update their capabilities.

While many solutions address pieces of the benefits stack, there is nothing like this on the market. 

Meet BenefitsOS!

What is BenefitsOS? 

BenefitsOS is a complete, embedded benefits stack—a technology foundation that any HR or ben-admin platform can build on top of. It is the culmination of years of building with and learning from our customers.

When Noyo launched our API-powered fulfillment engine for member enrollment and eligibility, our goal was to help make innovation accessible to an industry still reliant on EDI files, forms, and paper. 

We reimagined the fundamentals, investing heavily in technology to deliver capabilities that had previously been considered out of reach. Our system has processed millions of enrollment and eligibility changes – with fewer than 5% requiring human assistance. 

Now, we’re expanding our footprint to apply the same powerful software to more parts of the benefits lifecycle. And for developers, we're rolling out the welcome mat with tools that make it even easier to plug our advanced capabilities into their products - including plan configuration, AI-powered data mapping, automated group health checks, and seamless fulfillment for any group, carrier, and enrollment scenario.

If you’re innovating in the benefits space, BenefitsOS makes all of the infrastructure, automation, and tooling immediately available to bring your vision to life.

What BenefitsOS can do for you

Group setup, plan config, and data mapping, handled

We get plan configuration data, like account structures and subgroups, directly from carriers and augment it with AI-parsed details from documents. Our AI tooling quickly understands and applies mapping rules, and our automated health checks catch and resolve errors before enrollment. 99% of plans built manually contain errors, so let’s stop building them manually.

Complete benefits database 

Noyo is your source of truth for rich plan, group, and member data, fed by multiple sources and constantly refreshed. You have a complete, up-to-date picture of your clients’ benefits, ready to be piped directly into your software.

Automatic routing takes the work out of carrier connections

No more custom work for each carrier and complex eligibility routing between connections. Just share basic group details, and we’ll automatically determine the best connection, whether API, EDI, or otherwise. Your ops team can activate connections within our product, no engineers needed.

Seamless fulfillment for every group and every enrollment

You have the most advanced fulfillment engine available, built on the largest network of API-integrated carriers and next-generation EDI technology. The basics are covered: enrolling new hires, handling life events, removing people from coverage, and facilitating open enrollment elections – and so are complex scenarios like rehiring a former employee, retroactive enrollments, COBRA, and EOI. When a change can’t be automatically fulfilled, it’s routed to intuitive operational tooling. 

Live enrollment tracking & auto-reconciliation

Offer an exceptionally transparent experience with detailed enrollment statuses, full change histories, and round-trip confirmation. And no more clunky error reports, Noyo centralizes all data discrepancies into a simple triage list with full context and recommended resolution paths. You have a full suite of operational tools available out-of-the-box or plug our data into your workflows.

A better foundation for all

For insurance carriers, BenefitsOS makes it easier to partner with Noyo to connect software platforms and offer a simple, automated experience. Offering technology clients will be excited to use doesn’t mean sacrificing quality or completely changing the systems you rely on.

And for software platforms that are launching something new or thinking about how to migrate away from legacy tech, BenefitsOS delivers everything that’s needed to support every group and every carrier through every step – no assembly required.

Some of the biggest names in benefits are already building on BenefitsOS – we’ll share more on that soon.

What will you build?

Learn more about BenefitsOS or reach out to get started.