bswift review for benefits brokers: pricing, carrier feeds and enrollment
bswift is benefits administration software for midsize and large employers. It comes in two editions with decision support built into enrollment. COBRA, billing and ACA forms are handled by bswift staff.
Brokers can resell Simplify, often for groups of 250 lives (people covered) and up. Prices are by quote.
- Best for
- Brokers with midsize and large groups who want the vendor to run setup and service
- Type
- Benefits administration, decision support and COBRA services
- Group size
- Simplify often starts around 250 lives. Unlimited is for large employers
- Price
- Quote only
- Carrier feeds
- More than 450 active file feeds, plus carrier APIs
- ACA and COBRA
- Both run by bswift staff as a service
- Demo or trial
- Demo on request
Our take
bswift fits a broker whose groups have outgrown small-business enrollment tools and who wants help with the build. Managed Services lets bswift do setup and first-line service while you keep the client.
It isn't a quoting tool, and there's no published pricing to plan around. Expect a sales process sized for larger groups.
Pros
- More than 450 active carrier and vendor feeds
- COBRA, ACA forms and billing run by bswift staff
- Decision support inside enrollment
- bswift can take over setup and service for partners
Cons
- No quoting or proposal tools
- Prices only by quote
Plans and pricing
- How it's priced
- By quote. bswift publishes no prices or fees
- Editions
- Simplify, a preset setup for growing employers, and Unlimited, fully configurable for large ones
- Services sold on top
- COBRA, direct billing, ACA forms and dependent checks
Who buys it and who pays
- Simplify
- Sold only through brokers and channel partners, who keep the employer relationship
- Unlimited
- Sold to employers directly or through channel partners
- Partner Delivered
- The partner configures, launches and supports the client. bswift backs the partner with escalation help
- Managed Services
- bswift handles setup and first-line client service while the partner keeps the contract. Launched in August 2026
Pick the service model before the demo. Under Partner Delivered your team does the build and the support calls. Managed Services moves that work to bswift.
Enrollment and administration
Eligibility can turn on hours, tenure or role, with waiting periods by class and separate contribution rules per location. bswift keeps carriers, HR and payroll in step on elections and deductions.
Employee tools
- Open enrollment, new hires and life events
- Mobile app
- Emma Chat, which answers from the employer's plan documents
- 24/7 service center and phone menu
Admin and broker tools
- Simplify builds a first draft of the site from uploaded plan documents and rate sheets
- Charts from plain-language questions
- Open enrollment wizard and a reader for plan summaries (SBCs)
- Group whole life administration, added August 2026
Decision support
- Tools
- Emma EnrollPro during enrollment, with Evive Profile Builder
- What it uses
- Plan rules, eligibility, claims signals and the preferences employees enter
- What employees see
- Plan options and the trade-offs between them
Carrier connections
| Carrier or feed | Type | Direction | Who builds it | Cost |
|---|---|---|---|---|
| Carriers and benefit vendors | EDI files and single sign-on (SSO) | To the carrier | bswift under Managed Services. Partners on Simplify | |
| Aetna and Aflac | API, EDI and SSO | |||
| Colonial Life | API and SSO | |||
| Preferred Partner Program vendors | Sponsored programs | Into enrollment | bswift helps eligible direct clients | No setup cost for direct clients |
| Partner benefit rates | API | Into bswift | The channel partner sends them |
bswift counts more than 450 active file feeds. Vendors certified for Simplify finish testing in 14 days or less. Partners can manage Simplify carrier files themselves.
Payroll and HR connections
| Connects to | What moves | Direction | How |
|---|---|---|---|
| ADP Workforce Now | Demographics in about weekly. Deductions out in near real time | Both ways | File and deduction link |
| Workday, UKG and Paylocity | Employee data, eligibility, elections and deductions | API and file |
The bswift EDI team can build custom payroll files. HSA, FSA and commuter accounts run in bswift or with a partner such as HealthEquity.
ACA and COBRA
- ACA reporting
- bswift staff prepare offer and eligibility data and process the IRS forms
- COBRA
- Notices, elections, reinstatements, premium billing and carrier updates through the end of coverage
- Other services
- Direct billing for retirees and leaves, premium reconciliation, dependent checks, medical child support orders (QMCSO) and evidence of insurability (EOI)
- Plan compliance
- Help with Form 5500 data and nondiscrimination testing
Getting started
Book a demo
Ask about Simplify or Unlimited for your group sizes.
Choose a service model
Partner Delivered or Managed Services.
Load plan documents
Simplify drafts the site from your SBCs and rate sheets for you to review.
Connect carriers and payroll
bswift or your team sets up the feeds, depending on the model.
Launch enrollment
Employees enroll on the web or the app.
Security and HIPAA
HIPAA and health data
bswift publishes no BAA (business associate agreement, the HIPAA contract for health data). Get one signed before EOI forms or health questions go live.
Audits
- Annual SOC 1 Type II and SOC 2 Type II
- HIPAA and HITRUST audits
- Encrypted at rest and in transit
- 24/7 security operations center
What users say
Common themes in user reviews, as of October 2026.
What users like
- Lots of settings for complex plans
- Easy to edit employee details
- Works well with Paylocity and shows benefit options clearly
What users dislike
- Few ways to troubleshoot or reach support
bswift alternatives
- PlanSourceQuote onlyAlso lets resellers run service, aimed at 1,000+ employees
- BusinessolverQuote onlyLarge-employer platform with COBRA billing in-house
- Benefitfocus BenefitplaceQuote onlyEnterprise enrollment with SAVVI decision support
- Employee NavigatorQuote onlyBrokers set up carrier enrollment files themselves for smaller groups
- EmpyreanQuote onlyEnterprise administration with a full service team
See every option in employee benefits software.
Frequently asked questions
How much does bswift cost?
bswift prices by quote and publishes no fees.
Can a broker resell bswift?
Yes. Simplify is sold only through brokers and partners, who keep the client. Unlimited can be sold either way.
How many carrier feeds does bswift run?
bswift says it runs more than 450 active file feeds, plus API links with carriers such as Aetna and Aflac.
Does bswift handle COBRA?
Yes. Its staff send notices, take elections and bill premiums through the end of coverage.
Which payroll systems connect?
Workday, UKG, Paylocity and ADP Workforce Now. With ADP, deductions go back in near real time.
How we researched this review. We based this review on the terms and product pages published by bswift, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan bswift quit selling or a contract term that reads different now, let us know and send the link to the page where bswift has it. Somebody here pulls up that page and checks it before we change anything on ours.