THE Problem
Enrollment is the most consequential benefits decision of the year. Most employees make it with no real support.
They default to last year's plan. They pick the priciest option "just in case” or they stay on their employer’s plan without realizing an alternative plan is the better deal.
The plans you built are right, but often times, the choices employees make aren't. Without guidance, they default to what's familiar — not what fits their family or their situation. And the savings you expect only show up when the plan does.
44%
of people are not on an optimal plan
Source: HealthJoy Data, 2026
53%
of people regret their enrollment decisions
Source: HR Executive Survey, 2024
A member compares two medical plans, then asks Joy Chat whether to keep the family on one plan or split coverage. JoyAI explains both cases and recommends keeping everyone on the Blue Shield Platinum HDHP because of a $0 family premium.
THE SOLUTION
HealthJoy's Enrollment Decision Support (EDS) is an AI-guided enrollment experience that gives every employee the personalized context they need to make a confident, informed decision.
JoyAI calculates total estimated annual cost across every available plan, then highlights the best match, with a clear rationale employees actually understand.
Other enrollment tools go dark once open enrollment closes. HealthJoy's EDS doesn’t. What it captures keeps working, feeding guidance all year.
HOW IT WORKS
For HR
Upload benefit guides and eligibility files. EDS parses plan details for you.
Set your strategy: Medicare steerage, credits or surcharges for spousal plan selection, tobacco use.
Employees get answers as they enroll. Fewer repeat questions land on your desk.
For Employees
Answer a few quick questions. Returning employees skip ahead — usage, claims, and accumulators are already filled in.
Upload a spouse's benefit guide for an instant side-by-side. JoyAI highlights the best match, with a clear reason why.
Review a summary with an explanation for each plan including plan details. No extra logins, no guesswork.
BEYOND ENROLLMENT
The Results
Every dollar saved starts with a smarter enrollment decision.
saved per employee per year when steered to individual coverage on a spouse’s plan
Source: KFF Employer Health Benefits Survey, 2025
saved per employee per year when a covered family unit moves off the employer’s plan entirely
Source: KFF Employer Health Benefits Survey, 2025
See how EDS gives your employees the guidance they need to enroll confidently — and keeps working all year.