Help your employees actually understand their benefits
88% of Americans have low health literacy. Give them tools that make benefits simple—HSA vs FSA, 401k contributions, plan selection, tax impact. All answered instantly.
Your data stays on your device. Always.
Try Benefits AI →How It Works
Ask in Plain English
No jargon required
Get Instant Answers
Personalized to your situation
Make Confident Decisions
Compare options side-by-side
Your employees don't understand their benefits. That's expensive.
Open enrollment comes around. Employees pick plans they don't understand. They choose the PPO because the HDHP sounds scary. They skip the HSA because nobody explained it. They max out their dependent care FSA, then realize they should have used the tax credit.
Then claims costs rise. Employees get surprised by bills. They blame HR. They blame you.
The problem isn't that employees don't care. It's that benefits are genuinely confusing. A 200-page benefits guide doesn't help someone who just wants to know: "Which plan should I pick?"
What Benefits AI does
Employees ask questions in plain English. They get instant, accurate answers.
Conversational Q&A
"What's the difference between HSA and FSA?" "How much should I put in my 401k?" Natural questions, clear answers.
PDF document upload
Employees upload their specific benefits guide. Answers become personalized to their actual plan options and employer contributions.
Paycheck impact calculator
"What's my take-home if I max my 401k?" Real numbers based on their salary, state, and filing status.
Open enrollment guidance
Walks employees through plan selection, contribution decisions, and deadline reminders. Makes the complex simple.
2025 IRS limits. Federal and state tax calculations. All deterministic—no AI hallucinations on the numbers that matter.
Privacy that actually means something
Benefits documents contain sensitive information—salary, dependents, health plan choices. We built Benefits AI so that information never leaves your device.
PDF extraction runs in your browser. Tax calculations happen locally. We don't see salary numbers, family details, or plan selections. We can't. The data never reaches us.
This isn't a feature we added. It's how we built it from day one.
Three questions, three clear answers
"Should I pick the HDHP?"
What we found: Employee makes $85k, rarely uses healthcare, employer contributes $1,200 to HSA. HDHP saves $2,400/year in premiums vs PPO.
Our answer: Yes—with employer HSA contribution and low expected usage, HDHP likely saves $2,400+ annually. We show the math.
"What's my take-home if I max my 401k?"
What we calculated: Employee in California, married filing jointly, $120k salary. Current contribution 6%, considering maxing at $23,500.
Our answer: Net paycheck drops $487/pay period. But tax savings mean effective cost is only $362. We show federal, state, FICA breakdown.
"I uploaded my benefits PDF"
What we extracted: Company name, 3 health plan options with premiums/deductibles, employer HSA contribution, 401k match formula, FSA limits.
Now available: "What's my employer match?" pulls from their actual plan. "Compare my plan options" uses their real numbers.
What we can tell you. And what we can't.
Benefits AI uses IRS limits and healthcare.gov data. It's guidance, not legal or tax advice.
We can tell you
- • 2025 IRS contribution limits (HSA, FSA, 401k)
- • Estimated tax savings from pre-tax contributions
- • How different plans work (HDHP, PPO, HMO)
- • Which account type fits your situation (HSA vs FSA)
- • Open enrollment deadlines and checklists
We can't tell you
- • Your exact tax liability (consult a tax advisor)
- • Medical advice about what care you'll need
- • Whether to choose a specific investment option
- • Your employer's specific vesting schedule (ask HR)
When we calculate tax savings, that's real math based on IRS brackets. When we explain HSA vs FSA, that's accurate based on published rules. Both are useful. Neither replaces professional advice for complex situations.
Who it's for
HR teams
Reduce repetitive questions during open enrollment
Benefits consultants
Scale education across multiple clients
Self-funded employers
Help employees make cost-effective choices
Employees
Finally understand what they're signing up for
Technical details
| What we handle | Coverage |
|---|---|
| Intent handlers | 13 benefits topics (HSA, FSA, 401k, plans, taxes, etc.) |
| 2025 IRS limits | HSA ($4,300/$8,550), FSA ($3,300), 401k ($23,500) |
| Tax calculations | Federal brackets + state taxes for all 50 states |
| PDF extraction | OCR-based plan detail recognition |
| Processing | 100% client-side—no server requests for sensitive data |
Deterministic answers for numerical questions. No hallucinations on contribution limits, tax brackets, or deadline dates.
Pricing
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