Are the health insurance benefits group or individual? If it's group, are you aggregating everyone into a pool that's >50 people in size, or is each startup it's own group?<p>If it's individual, what are you doing with the people in a startup that are considered uninsurable (it's not 2014 yet so no guaranteed insurance). Some states, like MN with it's MCHA program, have guaranteed-issue pools for people who are denied, but that's only about 25% of states. Are you limiting your exposure to those states till 2014?<p>I've spent a lot of time in the health insurance/health care space, so I can appreciate the complexity in the benefits market. My last startup, Bloom Health, was in a similar space (defined contribution health plans for small employers) and we sold to Wellpoint, HCSC, and BCBS of MI in 2011. We started with individual plans, but eventually switched to group plans because the individual space was just too hard without PPACA in place. Lots of opportunities here now that it's almost 2014 and Obama has been re-elected. Good luck!