Nonstop Health
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.
- Company typePrivate
- Founded2012
- HeadquartersConcord, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
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.
Nonstop Health firmographics
Firmographics- 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
Nonstop Health industry classification
Industry- 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
Where Nonstop Health is headquartered
LocationHeadquarters
- HQ city
- Concord
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Nonstop Health business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Custom employer benefit plans based on organization size and needs |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Nonstop Health product offering
Product offeringCore 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
Companies that use Nonstop Health
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles2 records
Nonstop Health technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Nonstop Health partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor.
- National Health Care for Homeless Council (NHCHC)minorNonstop 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 NonprofitsminorPartnership 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 NonprofitsminorPartnership 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)minorPartnership 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 OregonminorPartnership 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
Nonstop Health competitors and assessment
Company assessmentBroad 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
Nonstop Health social profiles
Digital presenceNonstop Health compliance and trust
Trust signalCompliance1 record
Nonstop Health financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nonstop Health leadership team
Management profileNumber of profiles
Profiles13 records
Nonstop Health funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nonstop Health M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nonstop Health
What does Nonstop Health do?
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.
Is Nonstop Health a public or private company?
Nonstop Health is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Nonstop Health founded?
Nonstop Health was founded in 2012. It employs 51 to 100 people.
Where is Nonstop Health based?
Nonstop Health is headquartered in Concord, United States, in the North America region.
How does Nonstop Health make money?
Two revenue lines are on record. Health Benefits Administration Services are the primary driver. The others are premium Savings Brokerage.
Who are Nonstop Health's main competitors?
Broad incumbents on record are Mercer and Surest (UnitedHealthcare). Direct peers are Remodel Health, Take Command Health, PeopleKeep (Zane Benefits), Gravie, Emry Health and Sana Benefits. Emerging players are Venteur and Thatch.
Does Nonstop Health have an API?
No public API is recorded for Nonstop Health.
What industry is Nonstop Health in?
Nonstop Health's product category is Health Benefits Administration. Its primary akta.pro industry code is HLAEALAK, Flexible Benefits Administration (FSA/HSA/HRA), with a secondary code of FSAIAFAC, Level-Funded Group Health Plans. Its NAICS code is 524114 and its SIC code is 6324.