Overview
Noyo is the leading benefits data platform providing modern API infrastructure to make frictionless employee benefits possible. Founded in 2017 by Shannon Goggin and Dennis Lee after experiencing the frustration of working with slow, error-prone data infrastructure at Zenefits, Noyo was the first company to transform the underlying infrastructure of the benefits industry through seamless digital connectivity.
The company's suite of APIs allows critical insurance and benefits data to flow in near real-time between HR software platforms and insurance carriers, replacing decades-old Electronic Data Interchange (EDI), email, fax, and portal-based systems. By standardizing data exchange and enabling interoperability, Noyo unlocks powerful network effects across the benefits ecosystem.
Noyo connects with over 50 insurance carriers and powers benefits data exchange for industry leaders including Rippling, Gusto, and UnitedHealthcare. The platform processed over $2 billion in premiums in late 2024, and has seen 30% growth in user adoption. The company is expanding its product suite with BenefitsOS, covering the full post-sale group benefits lifecycle.
Products & Services
BenefitsOS
The foundation for modern benefits software, expanding Noyo's capabilities to cover the full post-sale group lifecycle: case setup, plan configuration, carrier connections, enrollment and member management, data reconciliation, and renewal. Leverages AI technology to enhance carrier capabilities and streamline manual processes for brokers and benefits administrators.
Key Features
- Full post-sale group lifecycle management
- AI-powered carrier capability enhancements
- Streamlined workflows for brokers and ben-admins
- Integrated data reconciliation
Target Users: Benefits software platforms, HR administrators, Brokers
Noyo 360
The industry's first solution designed to automate and streamline the entire process of health insurance policy administration, covering group installation through renewal.
Key Features
- Policy Installation: Transmits group and plan information to carriers without paperwork
- Case Setup: Simplifies group configuration and data mapping
- Enrollment Maintenance: Automates member data updates throughout policy duration
- Renewal: Facilitates plan decisions and keeps policy data current before open enrollment
Target Users: Benefits software platforms, Insurance carriers
Noyo Carrier Network
A universal API experience connecting benefits software platforms with over 50 insurance carriers. Organized into three tiers (Premier, Advanced, Standard) with two connection types: Noyo Sync (near real-time automation) and Noyo Send (streamlined file-based delivery).
Key Features
- 50+ carrier connections audited across 11 use cases and 60+ transaction types
- Premier/Advanced/Standard tier system for transparency
- Noyo Sync for real-time API-based data exchange
- Noyo Send for modern file-based integrations
- Single API connection to scale across carriers
Target Users: Benefits software platforms, HR/payroll platforms
Member Snapshot
One simple, standardized JSON data format for submitting enrollment changes to any carrier. Replaces complex carrier-specific schemas with a single API endpoint.
Key Features
- Unified JSON format for all carriers
- Multi-carrier changes in a single API request
- Fulfillment summary tracking per carrier
- Support for new hire, QLE, demographic, termination, and open enrollment changes
- Round-trip confirmation for Sync carriers
Target Users: Benefits software developers, HR platform engineers
Command Center
First-of-its-kind UI giving benefits software platforms full visibility and control of enrollment data in one central place.
Key Features
- Real-time enrollment status and change history
- No-code operational workflows for operations teams
- Developer tools for API key management and testing
- Discrepancy detection and management
- Read-only user access for secure collaboration
Target Users: Benefits platform operations teams, Developers
Benefits Copilot
App for Workday Marketplace enabling seamless benefits management for Workday customers.
Key Features
- Faster benefits vendor connections
- Simplified enrollment management
- No complex IT work required
- Self-service configuration
Target Users: Workday customers, HR administrators
Noyo Advisory
Consulting service for insurance carriers developing API infrastructure and digital capabilities.
Key Features
- Strategy evaluation and co-development
- API infrastructure testing and assessment
- Operating model and tooling readiness evaluation
- Proven path to becoming partner-ready
Target Users: Insurance carriers
At a Glance
- Founded
- 2017
- Headquarters
- San Francisco, California
- Employees
- 51-200
- Funding
- Series B ($57.5M total raised)
Category & Focus
- Category
- Insurtech Infrastructure
- Subcategories
- API Infrastructure Benefits Administration Data Exchange Carrier Connectivity
- Insurance Verticals
- Health Group Benefits
- Target Customers
- Carriers, Brokers, Employers
Customers
- Rippling
- Gusto
- BambooHR
- UnitedHealthcare
- Ameritas
- Guardian
- Humana
- Beam Dental
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Last updated: 2026-03-25