Businessolver review for benefits brokers: pricing, carrier feeds and enrollment
Businessolver makes Benefitsolver for large, complex employers and Workterra for smaller groups that resellers sell. Both handle enrollment and eligibility. Benefitsolver adds decision support and optional COBRA, billing and account services.
Prices are quoted, though the public contract sets a COBRA fee of 2% of premium.
- Best for
- Brokers with large, complex groups, plus resellers selling Workterra to smaller employers
- Type
- Benefits administration, decision support and account administration
- Group size
- Benefitsolver for large employers. Workterra for small and midsize
- Price
- Quote only
- Who pays
- The customer that signs the order form
- Carrier feeds
- API, EDI (electronic data interchange, the file format carriers use) and other file feeds through its data gateway
- ACA and COBRA
- COBRA as an add-on service
- Demo or trial
- Demo on request, including a 20-minute version
Our take
Businessolver suits a broker who wants contract terms in the open before signing. Its agreement is public and promises a data export to the next vendor.
Businessolver doesn't list an ACA service, so ask who files your clients' forms. Workterra gives resellers a lighter option for smaller clients.
Pros
- Public contract with a 90-day data export
- Decision support that estimates costs from claims
- Payroll check catches deduction errors
- ComplianceDashboard tracks federal and state plan rules across your clients
Cons
- No ACA service listed
- Terms can change when the website is updated
Plans and pricing
- How it's priced
- By quote. Fees are set in Schedule B of each order form
- Products
- Benefitsolver for complex employers and Workterra for small and midsize groups
- Add-on services
- Service center, direct and carrier billing, payroll checks, dependent verification, COBRA and MyChoice Accounts
| Fee | Amount | Who pays |
|---|---|---|
| COBRA administration | 2% of the COBRA premium | Each COBRA enrollee |
| Late payment | 1.5% a month on overdue amounts | The customer |
| Workterra price change at renewal | Up to 20% | The customer |
| Open enrollment fee if you leave before that plan year ends | Set in the order form | The customer |
| Transition work beyond the standard export | Current hourly rate | The customer |
From Businessolver's public Master Services Agreement, checked October 2026. Printing, postage and interpreter cost increases can be passed through mid-term.
Who buys it and who pays
- Who signs
- The customer, on the Master Services Agreement and an order form
- Invoices
- Due in 30 days
- Resellers
- HR, payroll and benefits firms can resell Businessolver with its setup and service help
- Broker tools
- A broker team, dashboards, benchmarks and book-of-business reports
Enrollment and administration
Employee tools
- Annual, new hire and life event enrollment
- Provider search before enrolling
- Mobile app with balances and document upload
- Sofia virtual assistant by chat and phone, all hours
- Year-round service center
Admin and broker tools
- Enrollment, eligibility and messages in one system
- ComplianceDashboard for federal and state plan rules
- HIPAA10 step-by-step HIPAA tasks
- Payroll check that compares elections with deductions
The employer stays plan administrator and approves plan setups and rates.
Decision support
- Tool
- MyChoice Recommendation Engine in Benefitsolver
- What it uses
- What the employee can afford, how a large bill would feel and last year's claims if they opt in
- What employees see
- Estimated medical costs and side-by-side plans in plain language
Carrier connections
| Carrier or feed | Type | Direction |
|---|---|---|
| MetLife | Data gateway | To the carrier |
| Carriers in the Workterra setup wizard | API | Both ways |
| Other carriers | API, EDI, flat file, XML or JSON | To the carrier |
| Voluntary partners such as Aflac, Cigna and Prudential | Products shown in enrollment | Varies by partner |
Workterra can pull a group's plans and rates from the carrier by policy number. MetLife was the first carrier named on the gateway, in July 2026.
Payroll and HR connections
| Connects to | What moves | Direction | How |
|---|---|---|---|
| HR and payroll systems | Eligibility, pay and rate data | Into Businessolver | API, EDI, flat file, XML or JSON |
| Payroll | Elections and deductions | To payroll, with a check back | Closed-loop payroll service |
ACA and COBRA
- COBRA
- Optional add-on. Businessolver sends first notices and runs one payment site for COBRA, retiree and direct-bill enrollees
- Employer duties
- The employer reports qualifying events within 5 days, or 30 days if it's the plan administrator, and sets self-funded COBRA rates
- Role
- Businessolver acts for the plan administrator and isn't a fiduciary
- Accounts
- HSA, FSA, HRA, ICHRA (repayment for individual health plans), commuter and lifestyle accounts through MyChoice Accounts
Getting started
Book a demo or send an RFP
A short demo is available.
Sign the agreement and order form
Name a project manager on your side.
Onboarding
AI checks the census for eligibility, payroll and rate errors, with staff review.
Go live
Live once census data is in production.
Businessolver says onboarding can run past 800 hours of work, and that AI checks cut setup time by up to 40%. The Workterra wizard sets up plans and rates for resellers.
Your data and broker changes
- Who owns the data
- The customer
- Export when you leave
- The current plan year goes to the new vendor within 90 days of request
- Extra transition work
- Billed by the hour
- De-identified data
- Businessolver can use it under HIPAA rules
Security and HIPAA
Security
- HITRUST certification
- Yearly SOC 1 and SOC 2 audits
- Penetration tests and yearly disaster recovery tests
- Multi-factor login required
HIPAA and health data
Businessolver handles health data, yet its site and contract don't say whether it signs a BAA (business associate agreement). Get that answer before enrollment collects health details.
AI review
AI never turns down a dependent check by itself. Staff review anything it can't approve.
Contract terms
- Term
- Set in the order form
- Payment
- Invoices due in 30 days
- Ending for cause
- After 30 days' notice of an unfixed breach
- Liability cap
- Fees paid in the prior 12 months
- Governing law
- Delaware
- Term changes
- Posted online. Continued use means you accept them
From the public Master Services Agreement, version 6.
Businessolver alternatives
- Benefitfocus BenefitplaceQuote onlyACA filing and child support orders handled by its teams
- bswiftQuote onlyBrokers can hand setup and service to bswift
- PlanSourceQuote onlyReal-time carrier APIs for 1,000+ employee groups
- EmpyreanQuote onlyEnterprise administration with a full service team
- Employee NavigatorQuote onlyBrokers run it themselves for smaller groups
See every option in employee benefits software.
Frequently asked questions
How much does Businessolver cost?
Platform fees are quoted in each order form. The COBRA service charges enrollees 2% of premium.
Can I get my data out if I leave?
Yes. On request, the current plan year moves to the new vendor within 90 days.
What is Workterra?
Businessolver's platform for small and midsize employers, sold through resellers and brokers.
Does Businessolver file ACA forms?
It doesn't list an ACA service, so ask who will file your clients' forms. COBRA is available as an add-on.
How we researched this review. We based this review on the terms and product pages published by Businessolver, 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 Businessolver quit selling or a contract term that reads different now, let us know and send the link to the page where Businessolver has it. Somebody here pulls up that page and checks it before we change anything on ours.