Employee benefits, reimagined
Give your team real health coverage - without becoming a benefits department.
Pro-Tier helps employers offer tax-free health and benefit subsidies so employees can choose their own ACA and private insurance plans - no platform fees, no employee minimums, no rigid group plan.
Free for businesses and employees. No platform fees, no minimums.
Access to plans from
- Blue Cross
- Anthem
- United Healthcare
- Humana
- Aetna
- Cigna
- Kaiser Permanente
How it works
Three steps. No broker meetings.
Set your contribution
Choose a fixed or variable amount you want to put toward employee benefits - no broker meeting required.
Connect your employees
Invite salaried and hourly staff. Each one gets their own Pro-Tier account to shop plans in their region.
Manage benefits
Contributions flow automatically. No open-enrollment deadline to wait for - turn it on any time.
For employers
One flexible plan, instead of one rigid one.
Attract and keep people
A real benefits offering - not a line in a job post - for businesses that could never justify a group plan.
No platform fees, no minimums
Free for businesses and employees to use. There's no per-seat cost and no minimum headcount.
Built for ICHRA
The federal Individual Coverage Health Reimbursement Arrangement framework is available to every employer, out of the box.
Tax advantages, done right
Employer contributions are tax deductible. Employee subsidies are not taxed.
For employees
Pick the plan that actually fits your life.
Shop Bronze, Silver, Gold, and Platinum plans in your region, then apply your employer's tax-free subsidy toward the one you choose - including plans from Blue Cross, Anthem, United Healthcare, Humana, Aetna, Cigna, and Kaiser Permanente.
Learn more for employees →In their words
People using their subsidy, in their own words.
“As a personal trainer, staying fit and healthy is critical to making a living. Finally being able to afford health insurance due to the subsidies I now receive gives me the peace of mind I was missing.”
“Employee shortages have restricted my growth for the last 3 years, but once I started offering Pro-Tier benefits, I have the best local trainers choosing to work for us over the competition.”
“I've worked as a line cook for 25 years, and this is the first time my family and I have health insurance. Before it was offered but still too expensive, but my subsidy now covers 80% and I'm happy to pay the rest.”
“Before we signed up with Pro-Tier, I felt guilty not providing benefits to my team. Since providing subsidies, our turnover has dropped to zero and our team members are visibly appreciative!”
Payroll integrations
FAQ
Questions we hear most.
Is Pro-Tier an insurance company?
No. Pro-Tier is not an insurance company or an insurance broker. We help employees use employer-funded, tax-free subsidies to enroll in ACA and private insurance plans through a federal ICHRA framework.
What does Pro-Tier cost?
Pro-Tier is free for businesses and employees to use - no platform fees and no employee minimums.
Do we have to wait for open enrollment?
No. Businesses can create a Pro-Tier account and start providing employee subsidies at any time.
Can salaried and hourly employees both use Pro-Tier?
Yes. Pro-Tier is built to flex across salaried and hourly workers, at the same prices offered elsewhere.
What if an employee has more than one employer using Pro-Tier?
Employees can receive subsidies from multiple employers into a single Pro-Tier account.