Better benefits, funded by savings you already qualify for.
Kept turns payroll-tax savings into expanded coverage for your whole team — with no new line item on your budget.
The current employer challenge
- Rising healthcare costs squeeze every renewal
- Employees priced out of meaningful coverage
- Thin benefits packages drive avoidable turnover
of workers aren't on their employer's health plan. Kept covers employees with and without insurance — the whole team.
How it funds itself
One payroll mechanic. Built toward zero net cost.
Step 1
Payroll-tax savings
Up to $1,100 per W-2 employee, every year.
Step 2
Funds expanded benefits
$0 copay care for your whole team & their families.
Step 3
Modeled $0 net spend
For qualifying employers and employees, based on your census.
How it works
Live in days, not months.
- 1
Schedule a consultation
Walk through your headcount and current benefits — no commitment.
- 2
Get a savings estimate
We show exactly what your payroll-tax savings fund for your team.
- 3
Enroll your team
Compliant enrollment, guided end-to-end. Most teams are live within days.
- 4
Savings modeled
Coverage and savings can start as early as your first payroll period.
Get your free benefits review
Tell us about your team and we'll show you the numbers — no commitment.
Frequently asked questions
The program is funded through payroll-tax savings your business may qualify for — up to $1,100 per W-2 employee, every year, based on an employer-specific pro forma. For qualifying employers and employees, those savings are modeled to cover the cost of the benefits, so there's little to no new spend for the business or your employees. Actual results depend on your company's specific numbers.
No. Kept expands coverage alongside whatever you already offer — including for the employees who aren't enrolled in your primary health plan today.
The program is structured to work within existing payroll and benefits regulations and is administered by a licensed plan administrator. We'll walk through the specifics for your business — including how compliance is maintained — on the call.
Most teams are enrolled and live within days of the initial call, with savings modeled to begin as early as the first payroll period after enrollment.
Kept is built for growing businesses, typically 10–500 employees, though the mechanics work for teams of most sizes.