Worksite Benefits
Health costs are rising. Enrollment is broken. AI can fix both.
The Pressure Is Real
Worksite benefits is caught between rising costs, regulatory uncertainty, and a workforce that expects better tools. The numbers tell the story.
Costs Are Outpacing Mitigation
Health benefits are projected to exceed $18,500 per employee in 2026, up from $15,500. Gross increases of 9-12% before employer mitigation strategies are straining every budget cycle.
Source: Mercer National Survey of Employer-Sponsored Health Plans
GLP-1 Medications Are Reshaping Plan Design
GLP-1 medications like Ozempic and Wegovy cost upward of $1,000 per month per individual, driving 6-12% cost spikes for employers. Plan sponsors are forced to choose between coverage restrictions and budget blowouts.
Source: Business Group on Health 2026 Survey
ACA Subsidies Are Expiring
Enhanced ACA premium tax credits expire at the end of 2025, directly affecting 7.3 million people. Without renewal, individuals will face higher marketplace premiums, pushing more employees back to employer-sponsored plans.
Source: Congressional Budget Office / KFF Analysis
Navigator Funding Gutted
Federal Navigator program funding has been cut 90% — from $100 million to $10 million — leaving millions without enrollment assistance. Employers and brokers are picking up the burden that government infrastructure used to carry.
Source: CMS Navigator Grant Announcements
How Agentic AI Helps
Agentic AI does not replace your team. It handles the repetitive, time-consuming work that prevents your team from doing what they are best at — advising clients and managing complex situations.
Automated SBC Extraction
What takes a human 30-45 minutes per plan — reading, comparing, and entering Summary of Benefits and Coverage data — takes an agentic AI system about 5 minutes. Across a book of business with hundreds of plans, that is hundreds of hours recovered.
Intelligent Enrollment Recommendations
Instead of handing employees a stack of plan options and hoping they choose well, AI-powered recommendation engines match individual circumstances to plan features — factoring in usage patterns, dependents, and cost sensitivity.
Compliance Monitoring & ERISA Alerts
With 4 major ERISA class-action lawsuits filed in December 2025 alone, fiduciary risk is escalating. Automated compliance monitoring tracks regulatory changes and flags exposure before it becomes litigation.
Carrier Knowledge Management
Carrier documents, rate sheets, plan designs, and underwriting guidelines change constantly. AI-powered knowledge bases keep your team current without requiring everyone to read every update.
Open Enrollment Communication Automation
Enrollment season means a flood of employee questions, deadline reminders, and benefit explanations. Automated communication workflows handle the routine, letting your team focus on employees who need real guidance.
Which Services Apply
AI Readiness Consulting
Assess your current enrollment and benefits administration processes. Identify where AI will deliver the highest ROI and build a phased implementation plan.
Learn More →AI Enablement Consulting
Deploy agentic AI tools for SBC extraction, enrollment recommendations, and compliance monitoring — integrated with your existing systems.
Learn More →BOSNet
Governed AI operations platform that ensures your benefits automation runs with audit trails, safety controls, and structured oversight.
Learn More →Your enrollment season does not have to be a fire drill.
Let us show you how agentic AI can automate the work that buries your team every year — and what it looks like when benefits administration actually works.
Schedule a Consultation