Strategic Cost Control and Plan Optimization

• Validate Eligibility
• Reduce Payroll Leakage

• Guide Best-Fit Elections
• Shape Smarter Utilization

• Surface Cost Drivers Earlier
• Redirect High-Cost Care

• Increase Voluntary Adoption
• Empower Consumer-Directed Healthcare

FSA payroll tax savings:
If 3,000 employees contribute ~$2,500, employers could save ≈$575K in FICA taxes (7.65%)

Higher HDHP adoption:
If 5% shift to HDHP plans (~500 employees), employers could reduce premiums ≈$1,000 per employee

Additional plan savings from lower-cost coverage choices

bswift reduces healthcare costs by tightening eligibility controls, aligning payroll deductions, guiding best-fit plan elections, influencing year-round utilization, and providing real-time data to optimize plan design.

bswift’s AI-native dependent eligibility verification helps remove ineligible dependents before they generate claims, preventing unnecessary coverage costs and long-term medical spend.

Evive is a capability built into the bswift benefits platform that powers year-round personalized engagement. It uses eligibility data, enrollment history, and claims-aware insights to deliver targeted nudges and campaigns that encourage better benefits utilization. Evive helps sustain engagement beyond enrollment season and supports measurable savings through smarter usage patterns.

bswift’s closed-loop payroll aligns eligibility and deductions in real time, helping reduce under-collection, over-collection, and costly reconciliation errors.

bswift’s Emma EnrollPro™, powered by AI-native Emma Intelligence™, combines plan rules, eligibility logic, claims data, and employee preferences to guide smarter benefits elections and reduce misalignment that drives avoidable spend.

bswift uses personalized engagement and data-driven nudges to increase preventive care, guide employees to appropriate care settings, and reinforce cost-conscious decisions beyond open enrollment.

Through Emma AdminPro™, powered by AI-native Emma Intelligence™, bswift uses integrated claims signals and real-time analytics to reveal high-cost trends, out-of-network patterns, and utilization shifts early.

bswift connects employers with vetted Alliance Partners for healthcare navigation, pre-authorization guardrails, and point-of-sale prescription savings to help redirect high-cost spend before it escalates.

bswift supports consumer-directed healthcare through integrated Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) embedded directly into the benefits administration experience. Employers can use bswift Everyday Health Accounts for a fully integrated platform experience, or choose a bswift Preferred Alliance Partner such as HealthEquity or Inspira while still contracting through bswift for vendor simplicity and SSO where supported.

bswift Everyday Health Accounts are bswift’s fully integrated consumer-directed healthcare accounts, built directly into the bswift platform. They support pre-tax savings programs such as Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Commuter Benefits in one unified experience. This helps employers simplify administration, reduce vendor fragmentation, and support more cost-conscious healthcare spending.

bswift’s Elite Integration Partners and built-in voluntary guidance within Emma EnrollPro™ help drive stronger voluntary enrollment while reducing administrative friction and ongoing support costs.

bswift supports ACA reporting, COBRA administration, and life-event compliance workflows that help reduce regulatory exposure and prevent costly penalties.

Emma Intelligence is bswift’s AI-native technology woven across the bswift ecosystem to make benefits simpler, smarter, and more human—reducing friction for employees, admins, and service teams. It uses benefits materials, plan configuration, eligibility logic, and operational context to guide decisions, accelerate answers, catch issues earlier, and turn data into direction.

AI-native means Emma Intelligence is built directly into the bswift platform and workflows—not added on as a separate chatbot or bolt-on tool. Because it runs on your real benefits configuration and content, it delivers plan-specific answers and automation that match what’s actually true for each employer and employee.