Buying health insurance is only the opening act. Bennie pairs a full-service brokerage with an app and human advocates to handle the awkward business of actually using it.

Friends once called him to make sense of Seoul's hospitals. Donkyo Seo turned that informal favor into an operating system for medical travel - built on clinic visits, careful vetting, and the unglamorous logistics between a question and an appointment.
HealthJoy is a Chicago-based digital health company that turns the tangle of employer-sponsored benefits into a single app. Its AI concierge, JOY, plus a team of human healthcare advocates, guides employees to the right care - from telemedicine and virtual primary care to MSK therapy, behavioral health, prescription savings and medical bill review - while helping employers cut healthcare spend. Founded in 2014, HealthJoy serves more than 1,800 employers and over 1.25 million members.