The coverage gap most employers don't see

Most benefits conversations focus on the health plan itself — premiums, deductibles, network size. Less attention goes to the employees who aren't enrolled in it at all.

Nationally, 45% of workers aren't on their employer's health plan — often because of cost, eligibility waiting periods, or coverage through a spouse that doesn't extend to the whole family's needs. Traditional benefits strategy tends to treat this group as out of scope.

That gap has a real cost: employees without meaningful coverage are more likely to delay care, more likely to feel unsupported, and more likely to leave for an employer that covers more of their team. A benefits strategy that only reaches enrolled employees is, by definition, missing part of the business.

Kept is built to cover the whole team — enrolled or not — without asking the business to pay more to close that gap.