Top 10 Best Health Benefits Administration Software of 2026

Rippling is an all-in-one workforce management platform with powerful health benefits administration capabilities, enabling seamless employee enrollment, eligibility tracking, and administration across a vast network of over 400 insurance carriers. It automates open enrollment, handles COBRA compliance, and integrates benefits deductions directly with payroll for error-free processing. Designed for scalability, it simplifies benefits management within a unified HR ecosystem, reducing administrative burden for HR teams.

Sana is an AI-powered benefits administration platform that automates the entire employee benefits lifecycle, from open enrollment and onboarding to ongoing management of health, dental, vision, and ancillary plans. It integrates seamlessly with insurance carriers, payroll providers, and HRIS systems, ensuring compliance with ACA, HIPAA, and other regulations. The platform features a modern employee self-service portal and mobile app, enabling personalized benefits experiences and real-time data insights for HR teams.

Benefitfocus offers a comprehensive cloud-based benefits administration platform designed for employers, brokers, and health carriers to streamline health benefits enrollment, administration, billing, and compliance. The software provides self-service portals for employees, robust carrier integrations, and analytics for optimizing benefits strategies. It supports complex, large-scale deployments with features like personalized enrollment experiences and regulatory reporting.

Employee Navigator is a comprehensive cloud-based platform specializing in health benefits administration, primarily serving insurance brokers and employers to manage employee enrollment, compliance, and benefits communication. It streamlines open enrollment processes, handles ACA and COBRA reporting, and provides employee self-service portals for benefits elections and updates. The software excels in carrier integrations and decision-support tools, making it a robust solution for complex benefits packages.

PlanSource is a robust health benefits administration platform that automates employee enrollment, open enrollment, and ongoing benefits management for employers. It features a self-service employee portal with decision support tools to help workers compare and select plans, while ensuring ACA compliance and seamless integrations with HRIS, payroll, and carriers. The software also supports COBRA administration, life events changes, and reporting to simplify HR workflows.

Ease (ease.com) is a cloud-based benefits administration platform primarily designed for brokers and small to mid-sized employers to manage employee health benefits, open enrollment, and compliance. It centralizes benefits data, automates ACA and COBRA reporting, and facilitates seamless employee self-service enrollment. The platform integrates with payroll providers like ADP and QuickBooks, reducing administrative burdens for HR teams.

Zenefits is an all-in-one HR platform with robust health benefits administration capabilities, enabling small to mid-sized businesses to manage employee enrollment in health, dental, vision, life insurance, and other benefits seamlessly. It automates open enrollment, integrates directly with major insurance carriers for real-time quoting and eligibility checks, and ensures compliance with ACA reporting and COBRA requirements. The employee self-service portal allows workers to view, select, and update benefits independently, reducing HR workload.

Gusto is an all-in-one payroll and HR platform that includes health benefits administration, enabling small businesses to offer, enroll, and manage health, dental, and vision insurance through partnerships with major carriers like UnitedHealthcare and Blue Cross. It automates open enrollment, handles premium deductions directly from payroll, and provides employee self-service portals for viewing coverage and making changes. While strong for SMBs, it lacks the depth of specialized benefits platforms for complex or enterprise-level needs.

ADP offers robust health benefits administration as part of its comprehensive HR and payroll platform, enabling employers to manage employee enrollments in medical, dental, vision, and other benefits. The software handles open enrollment, life event changes, compliance reporting for ACA and HIPAA, and integrates with numerous insurance carriers. It provides self-service portals for employees and administrators to streamline benefits management and reduce administrative burdens.

Justworks is a Professional Employer Organization (PEO) platform that streamlines health benefits administration for small and medium-sized businesses (SMBs) by offering access to competitive group health insurance plans, including medical, dental, and vision coverage. It automates employee enrollment, open enrollment processes, and compliance reporting through a centralized online dashboard. Integrated with payroll and HR tools, Justworks reduces administrative burdens while providing employees with self-service portals for benefits management.