Nava
Nava Benefits is a US-based modern employee benefits brokerage that combines elite benefits advisors with its AI-powered HQ platform to help mid-sized employers reduce admin, lower healthcare costs, and deliver 24/7 employee benefits support.
- Company typePrivate
- Founded2019
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Nava does
Nava Benefits (legal entity Advocate Inc.) is a US-based, modern employee benefits brokerage that combines elite human benefits advisors with an AI-powered technology platform, serving mid-sized employers (typically 51-1,000 employees) and HR leaders seeking to reduce administrative burden and control healthcare costs. The company was founded in 2019 and is headquartered in New York, operating across the United States.
The company's core product is HQ, an AI-powered benefits administration platform for HR teams that consolidates real-time renewals, carrier billing audits, ben admin and carrier integrations, centralized document storage, employee engagement dashboards, and an embedded personal AI assistant (powered by OpenAI) for instant benefits Q&A. A companion mobile app, HQ for Employees, extends this experience to plan members with 24/7 benefits support, plan decision tools, provider search, digital ID cards, and medical spending tracking. Nava also provides traditional brokerage services — healthcare renewals, open enrollment support, compliance assistance, and alternative health plan strategies (self-funding, PBMs, captives) — supported by veteran advisors with 15-25+ years of industry experience. The platform is SOC 2 Type 2 and HIPAA compliant.
Nava operates a sales-led, consultative GTM targeting mid-market and enterprise HR buyers via free benefits audits, demos, and elite advisor relationships; the company also runs content marketing and an annual industry event ("Fix Healthcare Live"). Revenue is generated primarily through carrier commissions (typically 2-10% of employer-paid insurance premiums) and per-employee-per-month (PEPM) fees for services such as self-funded plan administration, structured on annual billing cycles with custom enterprise pricing. The company has raised approximately $90 million across disclosed rounds led by Thrive Capital (Series A Oct 2020 $20M, Series B Jun 2022 $40M, Series C Oct 2025 $30M) and has executed two acquisitions — i2 Healthcare (2022) and Nielsen Benefits Group (2023) — to broaden consulting capacity and mid-market reach.
Nava firmographics
Firmographics- Name
- Nava
- Legal name
- Advocate Inc., dba Nava Benefits
- Website
- https://navabenefits.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Nava Benefits is a US-based modern employee benefits brokerage that combines elite benefits advisors with its AI-powered HQ platform to help mid-sized employers reduce admin, lower healthcare costs, and deliver 24/7 employee benefits support.
- Ownership category
- akta.pro rank
Nava industry classification
Industry- Product category
- Employee Benefits Brokerage
- NAICS
- Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)
- akta.pro primary industry
- Benefits Administration & Total Rewards Outsourcing (BPACAKAE)
- akta.pro secondary industries
- Benefits Administration (BPACAPAC), Benefits Administration & Enrollment Support (BPAAAIAB), Eligibility, Enrollment & Benefits Administration (HLAEALAH)
Keywords
Where Nava is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Nava business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Others
Revenue model
- Carrier Commissions: Employee benefits brokers are typically compensated through carrier commissions averaging 2-10% of total premiums paid by employers for insurance coverage.
- Per-Employee-Per-Month (PEPM) Fees: Flat per-employee-per-month fees charged in certain situations such as self-funded plans, providing transparent recurring revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom enterprise pricing based on employer size and plan requirements |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Nava product offering
Product offeringCore offering
Nava Benefits is a modern employee benefits brokerage that pairs elite human benefits advisors with an AI-powered technology platform called HQ. The HQ platform centralizes renewals, billing audits, documents, and carrier integrations for HR teams, while a companion mobile app provides 24/7 AI-driven benefits support to employees. Services include healthcare renewals, open enrollment, compliance, alternative health plan strategies (self-funding, PBMs, captives), and year-round employee advocacy for mid-sized US employers.
Product overview
Nava Benefits is a modern employee benefits brokerage offering a unified platform-plus-services model. The core product is HQ, an AI-powered benefits administration platform available in two versions: HQ for HR teams (consolidating renewals, audits, documents, and carrier integrations with an embedded AI assistant) and HQ for Employees (a mobile app providing 24/7 AI-powered benefits support, plan decisions, and provider search). These are paired with expert human advisory services including healthcare renewals, compliance assistance, and alternative health plan strategies. Nava also provides educational content through its Benefits 101 resource hub and maintains a compliance resource library for employers.
Differentiator
Problem solved
Functional benefit
Brands
- HQ: AI-powered benefits administration platform for HR teams, providing renewals, audits, documents, and support in one centralized hub
Products and services
- HQ (AI-Powered Benefits Platform for HR Teams) AI-powered benefits administration platform for HR teams that consolidates real-time renewals, billing audits, documents, carrier integrations, and an embedded AI assistant into one system. HR teams report saving 40+ hours per month.
- HQ for Employees (Mobile App) Mobile benefits concierge app for employees providing 24/7 AI-powered support, plan decision tools, digital ID cards, provider search, deductible tracking, and medical spending summaries. Achieves 97% employee satisfaction rating.
- Benefits Brokerage Services Full-service modern employee benefits brokerage combining elite human advisors with AI-powered technology. Services include healthcare renewals, open enrollment support, compliance assistance, alternative health plan strategies (self-funding, PBMs, captives), and year-round employee advocacy.
Quantifiable outcome
- HR teams save 40+ hours per month
- +5 more outcomes
Companies that use Nava
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
Nava technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability4 records
Feature6 records
Nava partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- OpenAIcorePartnership to power Nava's AI Benefits Assistant, launched in October 2024. The AI assistant uses OpenAI's technology to help employees understand and use their benefits with instant answers. OpenAI receives de-identified chat prompt information when users interact with the chat functionality.
- Nielsen Benefits Group (NBG)coreNava acquired Nielsen Benefits Group (NBG), a benefits consulting firm, to expand services for mid-sized employers. The acquisition combined technology and expertise to lower healthcare costs and improve benefits delivery. Terms were not disclosed.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Nava competitors and assessment
Company assessmentBroad incumbents
- Gusto: Broad HR, payroll, and benefits platform serving SMB and lower mid-market employers; bundles benefits administration with payroll, competing for the same buyer and increasingly overlapping with Nava's HQ value proposition.
- Justworks: PEO and HR tech platform offering benefits, payroll, and compliance to SMB and mid-market employers; overlaps with Nava on benefits administration and competes for HR leader mindshare.
- Alliant Insurance Services: Large US insurance brokerage with an employee benefits practice serving mid-market and enterprise; represents the traditional broker model Nava is disrupting, with growing tech investment of its own.
- Rippling: Unified HR, IT, payroll, and benefits platform targeting mid-market employers; competes for HR leader budget with an integrated suite approach that could pressure standalone benefits brokers like Nava.
- Brown & Brown: National insurance brokerage with significant employee benefits presence; an incumbent that has been actively acquiring regional brokers and investing in technology to defend share against tech-enabled entrants.
- Marsh McLennan: Global insurance brokerage and advisory giant with Mercer as its benefits arm; competes for the same mid-market and enterprise benefits accounts with far greater scale and resources.
- HUB International: Large North American insurance brokerage with a substantial employee benefits practice serving mid-market employers; an incumbent competitor in the same accounts Nava targets.
- OneDigital: US-focused insurance, financial services, and HR consulting firm with a sizable employee benefits brokerage practice serving mid-market employers — a direct incumbent competitor to Nava.
Direct peers
- Bennie: Modern employee benefits broker with a tech platform and analytics layer, serving mid-sized employers with a human-plus-software model similar to Nava's HQ-plus-advisors approach.
- Thatch: Tech-enabled benefits broker for SMBs and small mid-market employers, combining advisor-led service with a software platform — directly comparable positioning to Nava's model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Nava social profiles
Digital presenceNava compliance and trust
Trust signalCompliance2 records
Nava financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nava leadership team
Management profileNumber of profiles
Profiles11 records
Nava subsidiaries and ownership
Company hierarchySubsidiaries1 record
Nava funding detail
Funding detailFunding overview
Funding rounds4 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nava M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nava
What does Nava do?
Nava Benefits is a modern employee benefits brokerage that pairs elite human benefits advisors with an AI-powered technology platform called HQ. The HQ platform centralizes renewals, billing audits, documents, and carrier integrations for HR teams, while a companion mobile app provides 24/7 AI-driven benefits support to employees. Services include healthcare renewals, open enrollment, compliance, alternative health plan strategies (self-funding, PBMs, captives), and year-round employee advocacy for mid-sized US employers.
Is Nava a public or private company?
Nava is a private company. It is classified as venture growth investor backed and is currently operating.
When was Nava founded?
Nava was founded in 2019. It employs 51 to 100 people.
Where is Nava based?
Nava is headquartered in New York, United States, in the North America region.
How does Nava make money?
Two revenue lines are on record. Carrier Commissions are the primary driver. The others are per-Employee-Per-Month (PEPM) Fees.
Who are Nava's main competitors?
Broad incumbents on record are Gusto, Justworks, Alliant Insurance Services, Rippling, Brown & Brown, Marsh McLennan, HUB International and OneDigital. Direct peers are Bennie and Thatch.
Does Nava have an API?
No public API is recorded for Nava.
What industry is Nava in?
Nava's product category is Employee Benefits Brokerage. Its primary akta.pro industry code is BPACAKAE, Benefits Administration & Total Rewards Outsourcing, with a secondary code of BPACAPAC, Benefits Administration. Its NAICS code is 525120 and its SIC code is 6411.