For employers of 2 to 1,000+

Stop paying moreand getting less.

Employer health insurance is broken. We built what health benefits should be—greater cost control for you, and healthcare matched to the exact needs of each person on your team.

Build your planPricing in minutes

Prefer to meet first? Let’s talk

How Aloe works
BCBS Blue Select
Bronze
Aetna Plus
Platinum
Cigna Essential
EPO
UHC Select
Bronze
Humana Choice
Platinum
Kaiser Standard
EPO
Anthem Direct
Bronze
Oscar Premier
Platinum
Molina Open Access
EPO
WellCare Blue Select
Bronze
Centene Plus
Platinum
Highmark Essential
EPO
Ambetter Select
Bronze
BCBS Choice
Platinum
Aetna Standard
EPO
Cigna Direct
Bronze
UHC Premier
Platinum
Humana Open Access
EPO
Kaiser Blue Select
Bronze
Anthem Plus
Platinum
Oscar Essential
EPO
Molina Select
Bronze
WellCare Choice
Platinum
Centene Standard
EPO
Highmark Direct
Bronze
Ambetter Premier
Platinum
BCBS Open Access
EPO
Aetna Blue Select
Bronze
Cigna Plus
Platinum
UHC Essential
EPO
Humana Select
Bronze
Kaiser Choice
Platinum
Anthem Standard
EPO
Oscar Direct
Bronze
Molina Premier
Platinum
WellCare Open Access
EPO
Centene Blue Select
Bronze
Highmark Plus
Platinum
Ambetter Essential
EPO
BCBS Select
Bronze
Aetna Choice
Platinum
Cigna Standard
EPO
UHC Direct
Bronze
Humana Premier
Platinum
Kaiser Open Access
EPO
Anthem Blue Select
Bronze
Oscar Plus
Platinum
Molina Essential
EPO
WellCare Select
Bronze
Centene Choice
Platinum
Highmark Standard
EPO
Ambetter Direct
Bronze
BCBS Premier
Platinum
Aetna Open Access
EPO
Cigna Blue Select
Bronze
UHC Plus
Platinum
Humana Essential
EPO
Kaiser Select
Bronze
Anthem Choice
Platinum
Oscar Standard
EPO
Molina Direct
Bronze
WellCare Premier
Platinum
Centene Open Access
EPO
Highmark Blue Select
Bronze
Ambetter Plus
Platinum
BCBS Essential
EPO
Aetna Select
Bronze
Cigna Choice
Platinum
UHC Standard
EPO
Humana Direct
Bronze
Kaiser Premier
Platinum
Anthem Open Access
EPO
Oscar Blue Select
Bronze
Molina Plus
Platinum
WellCare Essential
EPO
Centene Select
Bronze
Highmark Choice
Platinum
Ambetter Standard
EPO
BCBS Direct
Bronze
Aetna Premier
Platinum
Cigna Open Access
EPO
UHC Blue Select
Bronze
Humana Plus
Platinum
Kaiser Essential
EPO
BCBS Blue Select
Bronze
Aetna Plus
Platinum
Cigna Essential
EPO
UHC Select
Bronze
Humana Choice
Platinum
Kaiser Standard
EPO
Anthem Direct
Bronze
Oscar Premier
Platinum
Molina Open Access
EPO
WellCare Blue Select
Bronze
Centene Plus
Platinum
Highmark Essential
EPO
Ambetter Select
Bronze
BCBS Choice
Platinum
Aetna Standard
EPO
Cigna Direct
Bronze
UHC Premier
Platinum
Humana Open Access
EPO
Kaiser Blue Select
Bronze
Anthem Plus
Platinum
Oscar Essential
EPO
Molina Select
Bronze
WellCare Choice
Platinum
Centene Standard
EPO
Highmark Direct
Bronze
Ambetter Premier
Platinum
BCBS Open Access
EPO
Aetna Blue Select
Bronze
Cigna Plus
Platinum
UHC Essential
EPO
Humana Select
Bronze
Kaiser Choice
Platinum
Anthem Standard
EPO
Oscar Direct
Bronze
Molina Premier
Platinum
WellCare Open Access
EPO
Centene Blue Select
Bronze
Highmark Plus
Platinum
Ambetter Essential
EPO
BCBS Select
Bronze
Aetna Choice
Platinum
Cigna Standard
EPO
UHC Direct
Bronze
Humana Premier
Platinum
Kaiser Open Access
EPO
Anthem Blue Select
Bronze
Oscar Plus
Platinum
Molina Essential
EPO
WellCare Select
Bronze
Centene Choice
Platinum
Highmark Standard
EPO
Ambetter Direct
Bronze
BCBS Premier
Platinum
Aetna Open Access
EPO
Cigna Blue Select
Bronze
UHC Plus
Platinum
Humana Essential
EPO
Kaiser Select
Bronze
Anthem Choice
Platinum
Oscar Standard
EPO
Molina Direct
Bronze
WellCare Premier
Platinum
Centene Open Access
EPO
Highmark Blue Select
Bronze
Ambetter Plus
Platinum
BCBS Essential
EPO
Aetna Select
Bronze
Cigna Choice
Platinum
UHC Standard
EPO
Humana Direct
Bronze
Kaiser Premier
Platinum
Anthem Open Access
EPO
Oscar Blue Select
Bronze
Molina Plus
Platinum
WellCare Essential
EPO
Centene Select
Bronze
Highmark Choice
Platinum
Ambetter Standard
EPO
BCBS Direct
Bronze
Aetna Premier
Platinum
Cigna Open Access
EPO
UHC Blue Select
Bronze
Humana Plus
Platinum
Kaiser Essential
EPO
Match found · BCBS Blue Select · Sarah Chen
Level of care
You picked Standard
Base plansStandardAll plans
Covered plans
Fully covered at this level for your team
81
Lowest deductible
Of a covered plan in your team’s area
$500
Max flex dollars
Per person after their matched plan
$561
Your monthly cost · $9,935 for 12 people
Example figures. Actual plans and pricing vary by team.
Sarah Chen · Austin · Age 28
Her allowance · $420 /mo
$264· toward her matched insurance
$156· flex dollars
Personalized insurance

A plan matched to her, not a group.

Their doctors. Their medications. Their family. Their preferences. Matched at the best price across thousands of plans.

  • BCBS Blue Select PPO · $264/moCarrier
  • Dr. Martinez (PCP)In-network
  • Lipitor 20mgTier 2
  • Mental healthIncluded
Flex dollars

Personalized care beyond insurance.

Tax-free dollars they can spend on care of their choosing.

Unlimited primary careCash-pay RxGLP-1sConciergeImaging · labsTherapyDental · visionWellness · wearables
Integrated platforms
200+
Payroll and HR platforms wired in. Pick yours — we handle the rest.

01

We learn what your team's care actually costs.

We shop across thousands of plans nationally to understand the real cost of healthcare for everyone on your team, factoring in their age, location, family, doctors, and medications. Before you set a single number, we know what good care should cost them.

BCBS Blue Select
Bronze
Aetna Plus
Platinum
Cigna Essential
EPO
UHC Select
Bronze
Humana Choice
Platinum
Kaiser Standard
EPO
Anthem Direct
Bronze
Oscar Premier
Platinum
Molina Open Access
EPO
WellCare Blue Select
Bronze
Centene Plus
Platinum
Highmark Essential
EPO
Ambetter Select
Bronze
BCBS Choice
Platinum
Aetna Standard
EPO
Cigna Direct
Bronze
UHC Premier
Platinum
Humana Open Access
EPO
Kaiser Blue Select
Bronze
Anthem Plus
Platinum
Oscar Essential
EPO
Molina Select
Bronze
WellCare Choice
Platinum
Centene Standard
EPO
Highmark Direct
Bronze
Ambetter Premier
Platinum
BCBS Open Access
EPO
Aetna Blue Select
Bronze
Cigna Plus
Platinum
UHC Essential
EPO
Humana Select
Bronze
Kaiser Choice
Platinum
Anthem Standard
EPO
Oscar Direct
Bronze
Molina Premier
Platinum
WellCare Open Access
EPO
Centene Blue Select
Bronze
Highmark Plus
Platinum
Ambetter Essential
EPO
BCBS Select
Bronze
Aetna Choice
Platinum
Cigna Standard
EPO
UHC Direct
Bronze
Humana Premier
Platinum
Kaiser Open Access
EPO
Anthem Blue Select
Bronze
Oscar Plus
Platinum
Molina Essential
EPO
WellCare Select
Bronze
Centene Choice
Platinum
Highmark Standard
EPO
Ambetter Direct
Bronze
BCBS Premier
Platinum
Aetna Open Access
EPO
Cigna Blue Select
Bronze
UHC Plus
Platinum
Humana Essential
EPO
Kaiser Select
Bronze
Anthem Choice
Platinum
Oscar Standard
EPO
Molina Direct
Bronze
WellCare Premier
Platinum
Centene Open Access
EPO
Highmark Blue Select
Bronze
Ambetter Plus
Platinum
BCBS Essential
EPO
Aetna Select
Bronze
Cigna Choice
Platinum
UHC Standard
EPO
Humana Direct
Bronze
Kaiser Premier
Platinum
Anthem Open Access
EPO
Oscar Blue Select
Bronze
Molina Plus
Platinum
WellCare Essential
EPO
Centene Select
Bronze
Highmark Choice
Platinum
Ambetter Standard
EPO
BCBS Direct
Bronze
Aetna Premier
Platinum
Cigna Open Access
EPO
UHC Blue Select
Bronze
Humana Plus
Platinum
Kaiser Essential
EPO
BCBS Blue Select
Bronze
Aetna Plus
Platinum
Cigna Essential
EPO
UHC Select
Bronze
Humana Choice
Platinum
Kaiser Standard
EPO
Anthem Direct
Bronze
Oscar Premier
Platinum
Molina Open Access
EPO
WellCare Blue Select
Bronze
Centene Plus
Platinum
Highmark Essential
EPO
Ambetter Select
Bronze
BCBS Choice
Platinum
Aetna Standard
EPO
Cigna Direct
Bronze
UHC Premier
Platinum
Humana Open Access
EPO
Kaiser Blue Select
Bronze
Anthem Plus
Platinum
Oscar Essential
EPO
Molina Select
Bronze
WellCare Choice
Platinum
Centene Standard
EPO
Highmark Direct
Bronze
Ambetter Premier
Platinum
BCBS Open Access
EPO
Aetna Blue Select
Bronze
Cigna Plus
Platinum
UHC Essential
EPO
Humana Select
Bronze
Kaiser Choice
Platinum
Anthem Standard
EPO
Oscar Direct
Bronze
Molina Premier
Platinum
WellCare Open Access
EPO
Centene Blue Select
Bronze
Highmark Plus
Platinum
Ambetter Essential
EPO
BCBS Select
Bronze
Aetna Choice
Platinum
Cigna Standard
EPO
UHC Direct
Bronze
Humana Premier
Platinum
Kaiser Open Access
EPO
Anthem Blue Select
Bronze
Oscar Plus
Platinum
Molina Essential
EPO
WellCare Select
Bronze
Centene Choice
Platinum
Highmark Standard
EPO
Ambetter Direct
Bronze
BCBS Premier
Platinum
Aetna Open Access
EPO
Cigna Blue Select
Bronze
UHC Plus
Platinum
Humana Essential
EPO
Kaiser Select
Bronze
Anthem Choice
Platinum
Oscar Standard
EPO
Molina Direct
Bronze
WellCare Premier
Platinum
Centene Open Access
EPO
Highmark Blue Select
Bronze
Ambetter Plus
Platinum
BCBS Essential
EPO
Aetna Select
Bronze
Cigna Choice
Platinum
UHC Standard
EPO
Humana Direct
Bronze
Kaiser Premier
Platinum
Anthem Open Access
EPO
Oscar Blue Select
Bronze
Molina Plus
Platinum
WellCare Essential
EPO
Centene Select
Bronze
Highmark Choice
Platinum
Ambetter Standard
EPO
BCBS Direct
Bronze
Aetna Premier
Platinum
Cigna Open Access
EPO
UHC Blue Select
Bronze
Humana Plus
Platinum
Kaiser Essential
EPO
Match found · BCBS Blue Select · Sarah Chen

02

You pick the level of care to offer. We turn it into a budget.

Drag to see how much care you can support. Coverage, deductibles, and flex dollars adjust live across your whole team.

Level of care
You picked Standard
Base plansStandardAll plans
Covered plans
Fully covered at this level for your team
81
Lowest deductible
Of a covered plan in your team’s area
$500
Max flex dollars
Per person after their matched plan
$561
Your monthly cost · $9,935 for 12 people
Example figures. Actual plans and pricing vary by team.

03

We find the best blend of insurance and flex dollars for each person.

Insurance can often make care harder to get and more expensive. So we match each employee to the right insurance, and give them a tax-free wallet for everything else. They can take advantage of cash-pay rates and stay in control of their own care.

Sarah Chen · Austin · Age 28
Her allowance · $420 /mo
$264· toward her matched insurance
$156· flex dollars
Personalized insurance

A plan matched to her, not a group.

Their doctors. Their medications. Their family. Their preferences. Matched at the best price across thousands of plans.

  • BCBS Blue Select PPO · $264/moCarrier
  • Dr. Martinez (PCP)In-network
  • Lipitor 20mgTier 2
  • Mental healthIncluded
Flex dollars

Personalized care beyond insurance.

Tax-free dollars they can spend on care of their choosing.

Unlimited primary careCash-pay RxGLP-1sConciergeImaging · labsTherapyDental · visionWellness · wearables

04

Connected to your payroll. The whole thing runs itself.

Run your business, not your benefits. New hires added the moment you add them to payroll. Eligibility, deductions, and payments take care of themselves.

Integrated platforms
200+
Payroll and HR platforms wired in. Pick yours — we handle the rest.
Compare

Traditional benefits vs. Aloe

Group PlansAloe
Coverage×One plan everyone is forced intoEach employee matched to their best-fit plan
Daily care×Copays, claims, 10-minute visitsUnlimited care team, cash-pay rates, no copays
Hospital bills×Surprise bills, deductibles people can't meetEvery bill reviewed and negotiated
Cost to you×Annual renewal surprisesOne fixed budget you set
Setup×Manual updates, multiple platforms, carrier phone tagSynced with your payroll, 200+ integrations
Sign up today

Control your budget.
Get better care.

Tell us about your team. See exactly what each person gets, what it costs you, and how it syncs with your payroll, in minutes.

Build your planPricing in minutes

Prefer to meet first? Let’s talk