Nonstop Health

What Nonstop Health does

Nonstop Health (legal entity: Nonstop Administration and Insurance Services, Inc.) is a privately held health benefits administrator founded in 2012 and headquartered in Concord, California. The company administers first-dollar health coverage by combining an ACA-compliant health plan with an Internal Revenue Code Section 105 Medical Expense Reimbursement Plan (MERP), positioning itself as a secondary payer (not secondary insurance) that layers onto an employer's existing carrier relationship rather than displacing it. It targets employers with 50-500 employees — a segment disproportionately exposed to double-digit benefit cost inflation — and markets primarily through a broker channel with consistent Per-Employee-Per-Month (PEPM) compensation, supplemented by direct mid-market sales.

The underlying technology is a cloud-based platform comprising the Nonstop Exchange (NSE) member portal (web and mobile app, with biometric authentication and push notifications), a client portal with real-time claims data and financial dashboards, a broker portal with 24-hour utilization refresh, a pre-funded Visa card product compatible with Apple Pay for point-of-care payments, and an open API for integration with broker and carrier administration systems. The product suite is anchored by the Nonstop Warranty, which guarantees employers pay only what is projected for the plan year, and a level-funded reserve account that requires no employer pre-funding. In May 2026 the company extended the model into dental benefits with the launch of Nonstop Health Dental.

Nonstop generates revenue through PEPM administration fees paid by brokers, alongside managed-services revenue for plan administration and funding. The company is licensed in 49 states (all except Alabama), holds ISO 27001:2022 certification as of September 2025, and serves a customer base heavily concentrated in nonprofits, federally qualified health centers, community health organizations, and educational institutions. Customer logos include GCHC, CFCE, Tech Impact, Unity Health Care, Stonehill Communities, Shelter House, East Harlem Council for Human Services, Direction Services, and Ezra Medical Center, with reported outcomes including 8-10% premium savings on average and specific cases of 34% cost reduction and avoided double-digit premium increases.

Name

Nonstop Health

Legal name

Nonstop Administration and Insurance Services, Inc.

Website

https://nonstophealth.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Nonstop Health administers health benefits combining an ACA-compliant plan with a Section 105 MERP to deliver first-dollar coverage for employers with 50-500 employees, primarily serving nonprofits, FQHCs, and community health centers through a broker channel across 49 states.

Ownership category

akta.pro rank

Product category

Health Benefits Administration

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

akta.pro secondary industry

Level-Funded Group Health Plans (FSAIAFAC)

Keywords

• Health benefits administration
• First-dollar coverage plans
• Medical expense reimbursement
• Level-funded health insurance
• Employer health benefits

Headquarters

HQ city

Concord

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Health Benefits Administration Services: Nonstop Health generates revenue by administering first-dollar coverage health benefit plans for employer organizations. The company combines an ACA-compliant health plan with a Medical Expense Reimbursement Plan (MERP), charging employers for the administration and funding of employee healthcare benefits. Revenue is derived from fees based on per-employee-per-month (PEPM) arrangements with broker partners.
2. Premium Savings Brokerage: Nonstop earns revenue by enabling brokers to save clients 8-10% on premiums without changing insurance carriers, while maintaining better benefits. The company generates consistent PEPM broker fees through this model.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Nonstop Health administers a first-dollar coverage health benefits solution for employers with 50-500 employees by combining an ACA-compliant health plan with an Internal Revenue Code Section 105 Medical Expense Reimbursement Plan (MERP). The offering is delivered through the proprietary Nonstop Exchange (NSE) platform, pre-funded Visa cards for point-of-care payments, claims processing, and the Nonstop Warranty financial guarantee, enabling employers to save 8-10% on premiums without changing insurance carriers.

Product overview

Nonstop Health is a health benefits platform offering an innovative first-dollar coverage solution that combines an ACA-compliant health plan with a Medical Expense Reimbursement Plan (MERP). The core product suite includes the Nonstop Exchange (NSE) Member Portal (available via web and mobile app), the Nonstop Health Visa card for point-of-care payments, the Broker Platform with open API integration and 24-hour utilization data, claims submission and processing tools, and the Nonstop Warranty for financial predictability. The company recently expanded its portfolio with Nonstop Health Dental (launched May 2026). All components are designed to work together as an integrated system, enabling employers with 50+ employees to lower premiums while providing better benefits through first-dollar coverage without changing insurance carriers.

Differentiator

Problem solved

Functional benefit

Brands

• Nonstop Health Dental: Dental insurance product extension launched to provide comprehensive dental coverage connected to the healthcare experience.

Products and services

• Nonstop Health First-Dollar Coverage An innovative health benefits solution that combines an ACA-compliant health plan with an Internal Revenue Code Section 105 Medical Expense Reimbursement Plan (MERP), providing first-dollar coverage so employees can access care without meeting a deductible first. Targeted at employers with 50-500 employees.
• Nonstop Exchange (NSE) Member Portal A comprehensive member portal enabling employees to access claims dashboards, submit claims online, track reimbursements, view benefits, and manage their Nonstop Visa card. Available via web browser and mobile app.
• Nonstop Health Mobile App Mobile application providing biometric authentication (Face ID/Touch ID), push notifications for claims and account alerts, claims submission, and secure access to Protected Health Information on iOS and Android devices.
• Broker Platform A broker-facing platform providing utilization data updated every 24 hours, open API integration with other administration platforms, integrated financial dashboard, and built-in Per-Employee Per-Month (PEPM) broker fee structure for insurance broker partners.
• Claims Submission and Processing Multi-channel claims submission system allowing members to submit claims online via Nonstop Exchange, by email, fax, or US Postal Service, with real-time tracking on the NSE dashboard.
• Nonstop Health Dental Dental insurance coverage launched as a product extension, designed to be more integrated with the overall healthcare experience rather than disconnected from it.

Quantifiable outcome

• 8-10% savings on premiums without changing insurance carriers
• +4 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered minor.

• National Health Care for Homeless Council (NHCHC)minorStrategic or Co-development PartnerNonstop Health partners with NHCHC to support organizations serving homeless populations. The partnership aligns with Nonstop's mission of making healthcare more accessible to underserved communities.
• Washington NonprofitsminorStrategic or Co-development PartnerPartnership with Washington Nonprofits to provide health benefits solutions to nonprofit organizations in Washington state, helping them manage healthcare costs while providing quality benefits to employees.
• North Carolina Center for NonprofitsminorStrategic or Co-development PartnerPartnership with North Carolina Center for Nonprofits to offer alternative health benefits funding solutions to nonprofit organizations in North Carolina facing rising healthcare costs.
• California Primary Care Association (CPCA)minorStrategic or Co-development PartnerPartnership with CPCA to provide health benefits solutions tailored to community health centers and primary care associations in California, supporting their mission of accessible healthcare.
• Nonprofit Association of OregonminorStrategic or Co-development PartnerPartnership with the Nonprofit Association of Oregon to deliver health benefits resources and solutions to Oregon nonprofits struggling with healthcare costs and employee recruitment/retention.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mercer: Mercer is a global consulting leader in health and benefits, advising employers on plan design, funding strategies, and broker services. Represents the incumbent advisory channel that competes for the same employer wallet share.
• Surest (UnitedHealthcare): Surest, a UnitedHealthcare company, offers a next-generation health plan with first-dollar-style coverage and transparent pricing for employer groups. Competes in the same conceptual space but as part of a much larger carrier portfolio.

Direct peers

• Remodel Health: Remodel Health provides alternative health benefits funding solutions that combine level-funded plans with MERP-style reimbursement structures for employer groups, directly competing with Nonstop's first-dollar coverage model.
• Take Command Health: Take Command Health administers ICHRA and HRA solutions that help employers offer defined-contribution health benefits. Operates with similar broker-led distribution and reimbursement-plan mechanics to Nonstop.
• PeopleKeep (Zane Benefits): PeopleKeep offers HRAs and personalized benefits administration for small employers, including MERP/ICHRA-like reimbursement plan structures. Targets a similar small/mid-market employer base through brokers and benefits advisors.
• Gravie: Gravie offers employer health benefits through level-funded plans with first-dollar-style coverage, targeting small and mid-sized employers — directly overlapping Nonstop's customer segment and product mechanics.
• Emry Health: Emry Health administers level-funded health plans with first-dollar coverage and MERP-style reimbursement for small to mid-sized employers, serving a very similar product and customer niche as Nonstop.
• Sana Benefits: Sana Benefits provides alternative, lower-cost health plans to small and mid-sized employers using a captive/level-funded model with first-dollar-style coverage. Directly competes for the same employer size band.

Emerging players

• Venteur: Venteur is an ICHRA-focused health benefits platform enabling employers to offer individual coverage with defined contributions. Adjacent product model and similar mid-market target customers as Nonstop.
• Thatch: Thatch is a health benefits platform enabling employers to offer ICHRA-style defined-contribution benefits. Targets small employers and self-employed individuals, adjacent to Nonstop's mid-market focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/nonstoptweets

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nonstop Health