Snug is an Benefits are personal, complex, and compliance-heavy. AI is the right fit: it can understand the plans, guide each employee, help employers make the right setup decisions, and stay available after launch. for your business. We help you design flexible insurance benefits, enroll every employee, and handle the admin after launch.
What that means
Enterprise power, minus the aspirin.
Offering big-company benefits shouldn't feel like a second job. Snug replaces the endless broker emails and manual spreadsheets with an AI-driven 5-minute setup. We handle the heavy lifting, from Section 125 compliance to automated payroll syncing, so you can provide a world-class experience without the administrative headache.
Built for the way people actually live.
Rigid one-size-fits-all plans are a relic of the past. Our ICHRA-first approach gives you the flexibility to set a fixed budget while giving your employees the freedom to choose the specific health, dental, and vision plans that fit their lives. It's enterprise-grade coverage tailored to the individual, not the group.
Our Products
Whether you need flexible health coverage or high-value add-ons, Snug makes it easy to protect your people without the paperwork.
Give your team the power to choose their own plan. We handle the tax rules, the reimbursements, and the compliance — automatically.
Precision coverage that settles into your budget perfectly.
Give your team access to Dental, Vision, and Life insurance through Think of this as a digital allowance. You set a fixed budget (e.g., $50/mo), and employees "spend" it on the add-ons they actually need. If they want more, they can top it up with their own pre-tax dollars. or pre-tax payroll deductions. Snug wraps it all in a The IRS 'secret weapon' for small businesses. It allows employees to pay for their premiums before taxes are taken out. Since their taxable income drops, your payroll tax (FICA) match drops too. It’s a rare win-win. , reducing your payroll taxes while giving your team a "benefits wallet" they actually value.
Zero premium cost. Real tax savings.
Plans from carriers your team already trusts
+ 50-state ICHRA marketplace coverage from Oscar, Blue Cross, Kaiser, Cigna, and Aetna.
How It Works
From first conversation to fully enrolled team — in about five minutes.
Step 1 — The Setup
Tell us about your team.
A short guided walkthrough: company size, budget, and what coverage matters to your people. No broker meetings, no RFPs. Takes about five minutes.
Step 2 — The Strategy
Your custom benefits plan.
We build a personalised roadmap — ICHRA allowances, voluntary insurance add-ons, compliance guardrails. Review it, adjust it, approve it.
Step 3 — The Launch
Your team gets tucked in.
Invite links go out. Employees pick their own plans. We handle enrollment, reimbursements, and administration. You're done.
The boring stuff? Handled.
Who Snug tucks in
Snug fits teams that don't fit the binder.
Plus retail, fitness studios, salons, agencies, nonprofits, and the rest of the long tail. If you've got a team, Snug's got a fit.
Frequently asked questions
Benefits questions rarely arrive in neat little boxes. Ask Snug about ICHRA, voluntary insurance, payroll deductions, employee confusion, setup timing, or what happens after launch.
Plain answers. No portal energy.
One operating layer
Snug folds the broker, benefits admin, and HRA administrator into one AI-guided benefits desk for small teams.
Plan design, carrier relationships, and employee enrollment guidance.
Enrollment, payroll deductions, documents, and handoffs after launch.
ICHRA setup, reimbursements, substantiation, and compliance workflows.
Start your 5-minute setup today.