Noyo

Noyo (also referenced as Noyo Technologies) builds data connectivity infrastructure for the employee benefits industry, linking benefits administration (ben-admin) and HR software to insurance carriers so that enrollment and eligibility data can be exchanged programmatically instead of through EDI files, carrier portals, and manual forms. The platform is presented as a unified operating system for benefits, combining embedded AI and API technology with software tooling, and is offered through a single integration that provides access to the Noyo Carrier Network.

The product covers the policy and enrollment lifecycle across five areas: group connection, which aims to get groups ready for carrier enrollment in days using structured data and automation; enrollment, which supports change scenarios such as new hires, qualifying life events, demographic updates and terminations with carrier confirmation of each update; renewal, which automates group data syncing and enrollment processing during open enrollment; analytics, which exposes group, plan and member data with change histories and statuses; and reconciliation, which detects and resolves data discrepancies before they affect coverage. Named modules include Case Build, Member Enrollment, Reconciliation and Carrier Network. Noyo also works directly with insurance carriers, including large medical carriers, to build and operate APIs where none exist, and offers an advisory service for carriers developing an API strategy.

The company describes its goal as making benefits data available on demand across the ecosystem, extending beyond policy administration and enrollment toward adjacent uses such as payroll deductions, billing, commissions and claims, and toward insurtech, fintech and payroll partners.