New way to get your health coverage? Good. We've already done the hard part.
Your company gave you money to choose a plan that actually fits you, instead of the one-size-fits-all everyone used to be stuck with. Don't worry about learning insurance. That's our job, and we're very good at it.
What changes for you
Most people have never really had a choice in coverage. You took what you were handed. This is the first time the shelf is actually yours, and you don't have to work out which part of it to reach for.
Before
Minimal options, picked for everyone at once
With Kyra
Dozens of plans, narrowed to the ones that fit your care
Before
A network you found out about later
With Kyra
We check your doctors are covered before you commit to anything
Before
Your coverage changed whenever HR renegotiated
With Kyra
Your plan is yours. Nobody swaps it out from under you
Before
A wrong bill was your afternoon to lose
With Kyra
A wrong bill is ours. We go after the carrier and tell you when it's fixed
Before
Leave the job, lose the coverage
With Kyra
The policy is in your name. It comes with you
What you get
The part where we show youinstead of telling you
Plan matching
We read your actual medical history, not a questionnaire
With your permission, Kyra looks at the care you already use: the doctors you see, the prescriptions you fill, the specialists you have been referred to. Then it checks all of that against every plan available to you and comes back with the one that fits, plus the plain reason it won.
You get a decision and the reasoning behind it, not forty plans and good luck.
Your plan match
2026 · 3 of 41 plans fit
Recommended for you
Ambetter Silver 5
$86/mo after allowance
Why this one
Dr. Alvarez, cardiology — in network
Your inhaler — tier 1, $9 a month
Mercy General — in network
Costs you $310 less across the year than the cheaper monthly premium.
Kyra Guide
The questions you would normally have to be an expert to ask
Kyra Guide is built on your own plan and your own claims, not a generic help center. Ask why a claim was denied, what prior authorization means, or how close you are to your deductible.
You stop having to translate insurance into English before you can even ask the question.
Kyra Guide
How close am I to my deductible?
You have $410 left of your $1,500 deductible. Two claims are still processing. If both land as expected, you will meet it in March.
Do I need prior authorization for the MRI?
Yes, and your ordering doctor requests it, not you. I have sent them the form and I will tell you when it is approved.
When it needs a person
Good software, with a human backstop
Kyra Guide handles most things on its own. When something needs a person, it hands off to one, and they do not start from scratch. They already have your plan, your claim history and the conversation you just had.
You are not the one making that call anymore. We are. We fix it and we tell you when it is done.
Claim · MRI, January
Resolved in 2 days
You
Flagged a $1,240 bill for an MRI
Kyra Guide
Read the claim, found an out-of-network billing error
Priya, Kyra specialist
Called the carrier and opened a reprocess
Carrier
Reprocessed in network, you owe $0
You made one call: this one. Nobody asked you to phone the carrier.
Benefits Hub
Your benefits in one place, not five logins
Dental and vision sit alongside your medical plan today, and more of your benefits will move into the same place over time. Whatever your employer chooses to offer, you see it in one view.
One place for your whole benefits picture, and you keep more of what you were given.
Your benefits
Member ID card
M. RIVERA
ID W3847 2210 · Group 88014
Medical
Ambetter Silver 5
Dental
Guardian PPO
Vision
VSP Choice
Where the moneycomes from
Your employer puts in a set amount each month. It's tax free, it isn't income, and it doesn't show up on your W-2.
If the plan you pick costs more than the allowance, you cover the difference, and it comes out of your paycheck before tax. If it costs less, you're not out of pocket at all.
The amount your employer puts in doesn't change based on which plan you pick. So the trade-off is genuinely yours: put the allowance toward a wider network, a lower deductible, or keep more of your paycheck.
Allowance and premium
Example month
Your monthly allowance
$400
from your employer, tax free
Allowance · $400
If your plan costs more
$486/mo
You pay $86 from your paycheck, pre-tax
If your plan costs less
$350/mo
You pay $0 — the allowance covers it
Employer allowance
From your paycheck, pre-tax
The allowance is the same either way — the trade-off is genuinely yours.
Nobody taught any of us this.
There's no such thing as a question that's too basic. If you're already covered by Kyra, everything above is in your account.
FrequentlyAskedQuestions
Then the plan costs you nothing out of pocket. The allowance isn't cash in your paycheck, so there's nothing to lose — it covers the premium up to its amount, and a cheaper plan just means none of your own money tops it up. If two plans fit your care, we'll tell you plainly what the cheaper one gives up.
Usually, and it's the first thing we check. We look at who you've actually been seeing and only recommend plans that keep them in network. If a doctor you want to keep isn't covered by anything available to you, we'll tell you that plainly rather than let you find out at the appointment.
Often you can keep it, if it's a qualifying individual plan or Medicare. Tell us what you're on and we'll check. Short term plans, health sharing ministries and standalone dental or vision don't qualify on their own. And you can't stay on a spouse's group plan and take the allowance for it.
No. Your employer's contribution is tax free to you. It isn't income and it isn't on your W-2. If you pay a difference on top, that comes out of your paycheck before tax.
The policy is in your name, so it doesn't get cancelled the day you leave. You can keep the plan and pay the full premium yourself, or switch during the special enrollment period your job change opens up. Ask us either way and we'll walk you through the options.
Us. Not the carrier, not your HR team. Start with Kyra Guide and it will bring in a person if the problem needs one. We're staffed all year, not just at open enrollment.
Yes. We can match you to a plan that covers your spouse and kids, and we check the whole household's doctors and prescriptions, not just yours. Many employers also set a higher allowance for family coverage — that part is your employer's call.
You'd go without coverage, and that's the one outcome we work hardest to prevent. We'll come after you more than once, and someone will keep an application open for you through the last day of the window. Nobody can enroll you in a plan you haven't agreed to, so please don't ignore the emails.