Save tens of thousands of dollars on employee health benefits — every year.

Tailored employee health insurance. At discounts only big businesses normally get.

Candor is available nationwide, providing plans from over 100 carriers.

Health Insurance Carriers
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How It Works

  1. When it comes to choosing a payout structure, businesses rely on Candor to easily make the transition from defined benefit to defined contribution. With defined contribution, you cap how much your business pays for every employee’s plan. (Whereas, with defined benefit, you arbitrarily choose which health benefits you will contribute to.) The switch to contribution lets you fully control your costs while employees fully control how they use your contribution. A win-win.

  2. We pre-register your employees. They use our super simple app to quickly select a plan. We’ll show plans that adhere to the specification of your HR team. This means they experience zero friction and setup instantly without taxing HR with questions.

  3. We take care of everything else — including all your support needs as a business and as individuals. Follow these three steps and you’re done. We’ll have paired you with the most cost-effective yet broad coverage plan — because we’ve researched all your state’s plans for you.

Candor's Features

Lower costs

Definite Limits Choose defined-contribution plans to limit what your company pays. So your business controls its costs. And your employees still get great coverage.



Economies of scale Candor’s private health insurance exchange uses economies of scale to lower insurance prices. It allows smaller companies and individuals to combine their purchasing power to get much better plan options, at better prices, than are typically available.

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Make employees happy

Here’s what we optionally throw in for $25/mo per employee — so your team loves you even more:

Access Doctors 24/7:

Call a doctor by phone or online video—anytime, anywhere in the U.S. No consultation fee.

Pharmacy Discounts:

Save 10% to 85% on most prescriptions at 60,000 pharmacies nationwide including CVS, Walgreens, and Target.

Pet Care:

Discounts on boarding, doggie daycare, training, veterinary services, and more.

Travel globally:

Access a global network of doctors.

Warm, informed support

Friendly Candor assistants answer your questions at every step. So everything is crystal clear and super honest.


Health care can suck, and we’re the best at making it suck less.

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No Jargon

Every step of our app is in plain English. We’ve translated technical healthcare terms into what your employees care about most: balancing their risk with their wallet.


So you know what your actual costs will be. That’s sensible.

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Show me how it works +

How It Works

  1. When it comes to choosing a payout structure, businesses rely on Candor to easily make the transition from defined benefit to defined contribution. With defined contribution, you cap how much your business pays for every employee’s plan. (Whereas, with defined benefit, you arbitrarily choose which health benefits you will contribute to.) The switch to contribution lets you fully control your costs while employees fully control how they use your contribution. A win-win.

  2. We pre-register your employees. They use our super simple app to quickly select a plan. We’ll show plans that adhere to the specification of your HR team. This means they experience zero friction and setup instantly without taxing HR with questions.

  3. We take care of everything else — including all your support needs as a business and as individuals. Follow these three steps and you’re done. We’ll have paired you with the most cost-effective yet broad coverage plan — because we’ve researched all your state’s plans for you.

Pick your business coverage

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