September 1, 2026
Most benefits conversations focus on the health plan itself — premiums, deductibles, network size. Less attention goes to the employees who aren't enrolled in it at all.
Nationally, 45% of workers aren't on their employer's health plan — often because of cost, eligibility waiting periods, or coverage through a spouse that doesn't extend to the whole family's needs. Traditional benefits strategy tends to treat this group as out of scope.
That gap has a real cost: employees without meaningful coverage are more likely to delay care, more likely to feel unsupported, and more likely to leave for an employer that covers more of their team. A benefits strategy that only reaches enrolled employees is, by definition, missing part of the business.
Kept is built to cover the whole team — enrolled or not — without asking the business to pay more to close that gap.
Savings are modeled to begin as early as your first payroll period, based on
your company's specific numbers.
Benefits Group
© 2026 Kept Benefits Group. All rights reserved.
Disclaimer: Any information illustrated or communicated on this site by Kept Benefits Group LLC is intended for general information purposes only and does not constitute tax, legal, or financial advice. Specific employee tax impact and employer FICA savings are subject to an employer-specific Pro Forma census evaluation.
