Empyrean review for benefits brokers: pricing, carrier feeds and enrollment
Empyrean sells benefits administration software for enterprise employers along with the staff to run it. It covers enrollment, carrier billing, COBRA, ACA filing and a call center for employees.
Its Precision Benefits tool recommends plans from each employee's claims. Pricing is by quote.
- Best for
- Consultants and brokers placing enterprise employers that want software and a service team together
- Type
- Benefits administration with service, plus claims-based decision support
- Group size
- Enterprise employers
- Price
- Quote only
- Carrier feeds
- Says it can feed any carrier. Deeper links to parent Securian Financial
- ACA and COBRA
- Both, run by Empyrean's in-house team
- Demo or trial
- Demo on request
Our take
Empyrean fits a consultant whose large client wants to hand off benefits work, not just license software. One team stays from the sale through service.
Brokers bring clients in through Empyrean's partner team. Ask how carrier credits affect setup cost, since Securian is the parent.
Pros
- Plan picks built on each employee's claims
- ACA, COBRA and billing handled in-house
- Own database per client and ISO 27001
- Carrier partners can bring setup credits
Cons
- No named payroll links
- Few details on how carrier feeds are built
Plans and pricing
- How it's priced
- By quote through the contact form
- Carrier credits
- Carrier and solution partners can bring technology credits and lower setup fees. Empyrean doesn't publish the amounts
Who buys it and who pays
- Who buys it
- Enterprise employers
- Broker role
- Brokers, consultants and advisers introduce clients through Empyrean's Channel Partnerships team
Ask which carriers fund credits. Aetna, Aflac, Cigna, Guardian, MetLife, Prudential, Securian, The Standard, Transamerica, Unum and Voya are in the carrier partner program. Credits can lower the setup cost.
Enrollment and administration
Employee tools
- Desktop and BenefitsGO app enrollment, with the employer's branding
- New hires, annual enrollment and life events
- ID cards, account links and document upload in the app
- AI assistant that works in more than 100 languages
- U.S.-based Employee Service Center
Admin and broker tools
- Eligibility rules built into enrollment
- Dependent, document and evidence of insurability (EOI) checks
- Employer Benefits Center for in-house call centers, brokers and HR
- Custom guides, emails and videos written in-house
- Carrier invoice reconciliation and payment
Decision support
- Tool
- Precision Benefits
- What it uses
- The employee's own claims plus a guided health-needs questionnaire
- What employees get
- A plan pick at enrollment, a look back at last year's fit, nearby in-network providers and a medical bill breakdown
- Add-on
- Securian's Benefit Scout compares life and supplemental health plans
Empyrean reports that over 80% of eligible employees opt in. It also claims a median savings near $1,800 a year for those who follow the advice. Both figures are Empyrean's own claims.
Carrier connections
| Carrier or feed | Type | Direction | Who builds it |
|---|---|---|---|
| Securian Financial | EOI by SSO, API decisions and files | Both ways | |
| Carrier invoices | Billing | Both ways | Empyrean |
Empyrean says it can connect to any carrier. Ask who builds and tests each feed.
Payroll and HR connections
Empyrean connects to payroll and HR systems, including custom payroll links, but names none. Its closed-loop payroll service checks deductions against elections and fixes the next file to recover missed premiums.
ACA and COBRA
- ACA
- Eligibility tracking, forms, IRS filing and issue handling by in-house compliance staff
- COBRA
- Notices, enrollment, payments and eligibility tracking
- Other services
- Medical child support orders (QMCSO, court orders to cover a child) and direct billing for leaves and retirees
Getting started
Book a demo
Empyrean names a Day One team for your group.
Meet the implementation manager
An implementation manager joins before you sign.
Configure and test
Halo AI reads plan documents and old records to speed setup.
Go live with service
The same team stays on for ongoing service.
Empyrean publishes no setup timeline, so ask for one in writing.
Security and HIPAA
HIPAA and health data
Empyrean says it meets HIPAA safeguards but publishes no BAA (business associate agreement). Ask for one before it reads employee claims.
Audits and controls
- Each client has its own database
- Yearly SOC 1 Type II and SOC 2 Type II
- ISO/IEC 27001
- AES-256 encryption at rest and in transit
- 99.95% uptime guarantee in Tier III data centers
- Yearly outside penetration tests
Empyrean alternatives
- bswiftQuote onlyBrokers can resell it and keep the client
- BusinessolverQuote onlyPublic contract with a 90-day data export
- Benefitfocus BenefitplaceQuote onlyEnterprise enrollment owned by Voya
- PlanSourceQuote onlyNamed real-time carrier APIs
- NayyaQuote onlyDecision support on top of another enrollment system
See every option in employee benefits software.
Frequently asked questions
How much does Empyrean cost?
Pricing is by quote. Carrier partners can bring credits that lower setup fees.
Who owns Empyrean?
Securian Financial, after a 2019 deal.
Does Empyrean handle ACA and COBRA?
Yes. Its own staff file ACA forms and run COBRA notices and payments.
How does Precision Benefits pick a plan?
It reads the employee's claims and a short health questionnaire, then recommends a plan.
How we researched this review. We based this review on the terms and product pages published by Empyrean, 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 Empyrean quit selling or a contract term that reads different now, let us know and send the link to the page where Empyrean has it. Somebody here pulls up that page and checks it before we change anything on ours.