How AI Reimagines the Landscape of HR & Benefits

Michael Mendenhall:
I'm Michael Mendenhall, Senior Vice President, Chief Marketing Officer and Chief Communications Officer at TriNet. Today, we're diving into the fascinating intersection of AI, HR, and benefits with our guest, Guy Benjamin, CEO and co-founder of Healthee, a company that is redefining benefits' navigation.

Guy brings a wealth of experience to the table. From his time as an F16 fighter pilot to his work in academia and business, he's a true innovator in every sense. After earning his BA in information technologies and physics, Guy graduated from Yale School of Management and delved into the world of digital and analytics at McKinsey Co.

But it's his role as the co-founder of Healthee that is truly impacting the world. Healthee is reshaping the healthcare landscape, empowering individuals to navigate their health benefits with transparency, ease, and embracing a healthier lifestyle. Today, we'll explore how AI is revolutionizing HR and benefits administration.

And we'll hear firsthand from Guy about the transformative power of technology in this space. Guy, how great to have you here. What an exciting period of time for a company like yours. Everything's AI everywhere, all the time. It's in every front page of every newspaper, always in the business sections. There's a lot of hype around what it can do, a lot of hype around what it can't do, what it will do in a year, and then a lot of hype around what are some of the negative things that are going to exist with all this. It's moving at warp drive, you've decided, listen, and we all know this. Healthcare has had major issues, certainly in costs. They go up anywhere from eight to 10% a year. That is increasing a lot more than inflation.

So you really have this delta that's becoming pretty great for consumers and customers alike, as well as corporations. You had this idea, right? I want to go back first and understand how you got here. At one point, you're a fighter pilot and it was an F 15…

Guy Benjamin:
Sixteen.

Michael:
Sixteen. Wow the more advanced. So what led you to that? What'd you study way early-on that led you to that, that led you to this? I think that journey is important.

Guy:
Yeah, for sure. So like in Israel, I'm originally from Israel, and in Israel every person goes to the military at 18 for the pilot academy, about every year, about 20,000 people apply. Four hundred people start the academy and about 40 graduate. It's a three-year course that you go from the age of 18 to 21. I went a bit later cause I was at a different unit before, but then when I started the academy, graduated.

Michael:
Was it Top Gun? Did you see Top Gun? And you're like, “Nope, that's what I'm going to do.”

Guy:
Basically. That's what you want to do. You see the planes and you're excited, so you want to be part of that. The Air Force, Israel has a huge legacy. It's like an amazing organization, you know, everybody wants to be part of. It was always my dream. I started the academy again, three years. You never think about that you're actually going to graduate because it seems so far-fetched right.

Twenty-thousand apply, 40 graduate. You always think, “Oh, why would it even be me?” But then as time goes by, people are getting weeded out, and suddenly you start thinking, “Okay, I'm actually going to graduate. This actually is going to happen.” And it is, so I graduated in 2005 and then stayed for another nine years in the Air Force. So total about 13 years. During my time in the Air Force, obviously operations, wars, different types of stuff that happened in the Middle East that we're all hearing lately in the news, had a super fulfilling experience, amazing time, was able to go up the ranks.

Michael:
Tell me about your first solo flight on an F16 because there's a piece of equipment is at least half a billion dollars.

Guy:
Yeah. I mean, half a billion is a bit too much. It's probably about $50 million.

Michael:
Oh, is it?

Guy:
Or a hundred? Yeah, close to a hundred maybe. Okay. I can tell you about my first flight on F16. It was overwhelming. You feel like you're on a rocket. Things are going way faster than you expected. You feel like, “How am I even gonna control this beast of a machine?” But then, honestly, it becomes second nature as you go and do more and more. I have over a thousand hours on an F16 by now, it just becomes second nature, basically like a piano.

Michael:
Did they have you do anything during that flight that you were completely stressed about, like flying upside down?

Guy:
I mean, just taking off is super, super hard because again, it's like a rocket and things are moving fast and you gotta make decisions really quick. So the first flight is really overwhelming and you see the power of it. Right? Because you go from zero altitude to 20,000 feet in seconds. And it just like that, the power, the energy is overwhelming, but also exciting and you feel like, okay, I can't believe that this is what I'm going to do for the next decade and it was, it's still amazing. Every flight, by the way, even my 500th flight was still as exciting as my first one.

Michael:
Really?

Guy:
Yeah.

Michael:
So talk to me about the training, the discipline around this, because so much of this is driven by chips and computers. How much of it is manual and how much of it is driven by the computer?

Guy:
Yeah. So I think today it's mostly manual. Now they're starting to come out with an actual plane. I just saw the defense in the U.S. started to talk about AI in actual fighter planes. So they're going to have their first unmanned F16s coming out in the next couple of years using AI. But today it's still very much, you got to think about it. You gotta think about what the enemy's going to do or what are you going to do to prevent that? It's still very much, your hands on a stick and a throttle and try to drive this thing in the air. But it's very much still man, like person-powered, and not computers yet, but it's not…

Michael:
So that type of training. You're in that well over a decade, right? Now, what do you do? You're like, I'm out of the military.

Guy:
I'm out of the military, thinking about, okay, I want to go to school. I'm going to go to the best school I can find. Yale seems like an obvious option, so I applied and I got accepted. Then I moved to the U.S., this was back in 2012. Did about two years at Yale. Honestly, I was thinking about maybe even going back to the military. But then I started working at McKinsey, the consulting firm, and noticed that I'm surrounded by super, super talented people, the smartest people I've ever worked with.

Facing complex problems and my kind of like the way I see the world, which used to be just through an F16 canopy, which is very narrow, suddenly became again, overwhelming. I go back to my first flight on an F16 and that's how I felt when I started working at McKinsey because so many different problems, so many things that I even know about. Honestly, Michael, I didn't even know what a P&L was.

I had to learn everything from scratch. To me it was super fulfilling, like just learning something again from scratch at a later age, right? I was already in my 30s. It was an amazing experience. I decided, okay, I'm going to try to do that for a while. Then while I was working at McKinsey and I did it for about seven years, felt that every time I had to deal with my healthcare, I felt it was easier to fly a jet than to navigate healthcare in the U.S. That's how I felt.

Michael:
Very apropos.

Guy:
Yeah. I remember keep telling my friends back in Israel, like you have no idea how complicated this is. I can't even tell if I'm covered for teeth cleaning or where can I go to see a doctor?

Michael:
It changes. See, nothing is consistent.

Guy:
Nothing is consistent. That's right.

Michael:
No. And so it gets confusing for people, right?

Guy:
And at first, I thought it was my fault because I'm an immigrant. So I kept asking my friends at McKinsey and they said, “No, nobody has a clue.” Nobody knows.

Michael:
You ask other people, what plan did you, why? Then you're like, okay, PPO versus, and then you start to say, you start to have all these questions and all the deductibles are different. Then they all change.

Guy:
They all change

Michael:
Every year.

Guy:
Right.

Michael:
And so you're like, okay, are my providers still in network or out of network?

Guy:
By the way, providers change on a daily basis, right? You can go to a provider today and the next day, he or she are out of network, which is crazy. It's a crazy industry.

Michael:
Yeah. And a lot of waste, tons of, like a lot of overinsuring and people panicked and frustrated. You try to come to some group consensus with people like what they're doing, so you feel comfortable, right? But probably many people are overinsuring.

Guy:
They're overinsuring. Another thing that I noticed that when I was at McKinsey was I was not a smart consumer when it comes to healthcare. I spend more time researching which TV I'm going to buy, but I have no data about which doctor can I go see, or even which procedure should I do, right? We always talk about the MRI example. I have no clue when I go to a doctor or get an MRI, how much is going to cost me until I get the bill, which is insane. Think about using Amazon with no prices. That's the experience we have.

Michael:
Yeah, no. And there's no transparency.

Guy:
There's no, zero.

Michael:
No. And the consumer, the end user is not in the equation.

Guy:
Right.

Michael:
Right. It's your doctor, it's the carrier, it's the provider. And they're all negotiating what they're going to do to treat you and then they tell you what, “Oh, your doctor says this is what we're going to do.” Well, you don't know that all of that has happened.

Guy:
The price, you only hear about it at the end, after the fact, which again, doesn't make any sense.

Michael:
No, that's so true. Now you think about AI and I wanted to talk about this because you talk about a revolution, really, in the tech space, but not even in tech. It's just a capability now at every industry. That's really going to change the workplace. It's going to change how we work. It's going to change product. Things are to become even smarter, right, through AI. They're basically saying in a year that it will have the cognitive capability of being smarter than one person and in five years smarter than people and that it will have that capability. Right now it does not, right, when you think of the large language model, but that's moving pretty quickly.

There's so many options but the speed at which it's been adopted is remarkable. I mean, you're looking at 180 million just on Chat GPT-4 per month. You're looking at Dall-E and there's like 2 million images a day, and that's just accelerated. When did you say, “Hey, I want to address this and my timing's right, cause now we have this thing called AI. It's not the AI that was more predictive modeling, which is machine learning. This is something different.

Guy:
It is different. And I think one of the things that I learned from you and I keep saying is that AI today is the worst it's ever going to be, right? And when I was looking into starting this company about three years ago, AI was not where it is today, but you can see that it's starting. You can see that you can start doing things with AI, with machine learning to take like unstructured data and make it structured out.

When you think about a healthcare plan or a health plan, what is it? It's an unstructured data. It's a PDF. So we have hundreds of pages. For us, it's really hard to kind of decipher what it actually means. So how much is going to cost me to go get an X-ray? Where can I go? What can I do? But with AI, with machine learning, even the ones that we had three years ago, you can take that data, that unstructured data and convert it to structured data.

So that's the first phase that when I was thinking about the company. Let's just take the data that we already have and make it more accessible. And at the end of the day, that's what we're doing. We're making healthcare more accessible by using AI. Now, since then, AI models have become better and better and much better than when we started and we're leveraging that.

So today it's not just taking unstructured data. It's connecting to provider network. It's connected to pricing data. It's predicting which plan is best for you and your family. There's so much more that we're doing with AI and we're making the platform better every day.

Michael:
So are we going to then have healthier people with more affordability?

Guy:
I think we're going to have healthier people for sure. We're going to have smarter consumers. By the way, when you look at our logo, many people think it's a rainbow, but it's actually a ripple effect because we're saying if we can help you be healthier, your family's healthier, society health is healthier, and that's what we're trying to do.

We're trying to make society healthier by starting with the individual, the employee. Half of the people in America are covered by their employer. So if we can help them become smarter consumers, they'll be healthier. They're not only going to save money, they're also going to be able to get better care, to get better access to care. Today, people get a request to go get an MRI by their doctor, many of them will say, “Well, I'm not even going to get this done because I'm going to get charged for thousands of dollars,” right? But they don't know that if they were shopping, they can actually get an MRI for $50 or $40 based on their deductible. So we're not only helping people save money, we're helping be healthcare be much.

Michael:
So is this an individual dashboard for you?

Guy:
It's a platform for your benefits, yes. It takes, and it's personalized, so it takes all of your benefits and puts them in a way where it's much more accessible. So we have our personal health system called Zoe. And she's like an extension of your HR team.

Michael:
No, explain that for the folks listening, explain your bot.

Guy:
Yeah.

Michael:
Is it a bot?

Guy:
It's not a bot, it's a platform, right? But it's an AI platform. Basically, her name is Zoe. She knows all your benefits. She takes your health plan, medical, dental, vision, all your benefits that your employer provides and convert it again from unstructured data to structured data. And then on the other side, she's also connected to provider network to claims data, to pricing information.

Michael:
Would you eventually make her a bot?

Guy:
So, you can chat with her. Yeah, you can chat with her today. We don't like to call her a bot because a bot seems, doesn't seem as smart as Zoe is, right? Zoe is smart. You can tell her what you need and she'll tell you exactly what you're covered for, where can you get it done? How much is it going to cost? She can book you an appointment.

Michael:
We're seeing trends where it's going to be written and verbal, but you're going to really talk to your computer.

Guy:
Right.

Michael:
And you're going to ask a bot or a platform to help you.

Guy:
Yeah. And that's what we're doing. We have people asking Zoe, "Hey Zoe, my daughter needs a speech therapist," and she'll tell them exactly if they're covered for it, where can they get it done. How much is it going to cost them. And then book them an appointment. So that's the experience that we're providing today. It's not yet verbal. It's, you got to chat, but…

Michael:
…but it's eventually going…

Guy:
Yeah, I want to be at a place where you're at home and you ask your Alexa, "Hey, ask Zoe, can I go get a speech therapist for my daughter?" Right?

Michael:
Have you seen this thing scale? Like, are you seeing the adoption?

Guy:
Yes, a hundred percent. We're scale like in the last year we went from a few hundred lives to over half a million.

Michael:
Wow. Yeah. Oh, that's terrific. And are you more B2B?

Guy:
Only B2B.

Michael:
At some point it has to be sold to the end user, right?

Guy:
Exactly. So we sell to employers or through our partnership with TriNet to SMBs and then they provide it to their employees. But we don't just stop at the employer, we create all the engagement.

Michael:
That's what I meant. You creating, cause that's also the confusing thing, right? Like when you go to every year, you're going to look at the plans and it's like what is all of this, right? And lots of paperwork and lots of writing, and you're still not clear. Now they've done the whole comparison between the plans. So you can line up two plans and see at least somewhat like where you've covered, where you're using.

Guy:
Yes. So confusing. So Zoe, what she knows how to do is she knows how to take those plans and recommend the best plan for you and your family tells you exactly, Hey, not only based on the answers that you provide to Zoe, but also based on predictive models to say, “Hey, this is the file that you need in order to be not underinsured, overinsured.” And that's like the secret sauce, right? Helping employees pick a plan, but then also use the plan throughout the year. And that's the kind of like the beauty of the platform is that it's there throughout every process, every part of your journey in healthcare, because it starts with choosing a plan and that's like the most overwhelming experience you can get. Right? But then it continues with picking a doctor, going to a doctor, knowing that you have telehealth, for example, knowing how much things are going to cost. So the entire healthcare process today is overwhelming and not transparent. And that's exactly what Zoe comes to fix.

Michael:
What's so interesting there is, and people are like if you're in California, you'll be like, “Well, I want Blue Cross Blue Shield,” but what they don't realize is between the carriers, whether it's United Healthcare, Aetna, Blue Cross Blue Shield, I think there's only 5% difference relative to the providers that are in network.

Guy:
Yeah.

Michael:
It's like 3%.

Guy:
Yeah. It's very similar to network. Right.

Michael:
So then it's really about service cost, etc.

Guy:
So cost and quality.

Michael:
Yeah.

Guy:
Right. And you don't want people to just pick regard it like based on costs. You want them to also have the quality. Again, we always say that we want the experience to be very similar to Amazon and Amazon is you have reviews, you have costs, you know when it's going to show up at your door, right? If you have to wait a week or two days or tomorrow. And that's what we want to bring to healthcare. We want that experience.

Michael:
So what sort of savings have you seen in using this relative to people being overinsured, etc.? There's a delta in there somewhere.

Guy:
There's a huge delta, right? So first of all, we see that with the use of AI and use of Zoe, we can steer employees to be less overinsured. So some of our customers have seen 10X more usage of high deductible plans, for example, for employees that are healthy, right? And just didn't know what a high deductible is or why they should pick high deductible.

Michael:
Yeah.

Guy:
So there's already, and I would argue that about every company is about 40% overinsured on average. So we're already seeing reduction of that by helping employees find plans that actually meet their needs and they're not overinsured. So that's one savings. Second one is for the employee. So because we can help you find lower cost options, we can steer you more to telehealth. We can help you find more in network providers.

We're saving about $2,000 a year per employee out of pocket. Now for some of our customers, that's another paycheck for the employee. Playing another $2,000 a year. It's big. And then for the employer, we're seeing anywhere between five to 14% reduction in claims. And that's also huge because you can help, you can reduce your claims by being smarter consumers. If you go to an MRI, instead of a $2,000 MRI , go to a $500 MRI. That's savings right there. Or instead of going to a doctor, use your telehealth. ER visits, 50% of ER visits are unnecessary. We can help reduce those ER visits by about 10%. That's a huge saving for the employer, right?

Michael:
So are you just domestic, you're just United States?

Guy:
Just United States from the reasoning behind it was let's first fix the most complicated healthcare system in the world. And then we'll go to the other one.

Michael:
Yeah. That had to be a rude awakening coming from Israel to here. Like what?

Guy:
Yeah.

Michael:
And what's the cost? Say that again. How much?

Guy:
Yeah. By the way, Israel is very different.

Michael:
Are you doing that with pharmaceuticals? We read so much about pharmaceutical sales and the cost to the U.S. A customer or consumer how costly that's become. And you have people then like Mark Cuban and some others that are really trying to get the middle people out of that. There's multiple middle-people in that business, and so it takes the price way up just to try to bring it closer to what's reasonable. Do you do pharmaceuticals with this?

Guy:
We're now adding pharmaceuticals, so very soon you'll be able to tell Zoe which medication you're taking and she'll be able to tell you which plan covers each medication. And then, soon after you'll be able to tell Zoe, hey, I need this medication and she'll tell you where can you get it, how much it's going to cost, which generic brands are there, so you can get those. So it's something that's definitely in our roadmap for this year.

Michael:
Oh, that's fantastic. That's very good. And are there other benefits as you think about this that you're looking at, because you have life, you have disability, you have all of these things that are presented to you, and you really don't know. Some are selected for you by the company, others you select. Is it really just tackling the healthcare piece first?

Guy:
So there's two things that we're adding. First of all, we already added the point solutions. So think about as an employer, you'll usually provide more benefits than just your medical dental vision, right? You provide, let's say mental health support or you provide fertility.

Michael:
Accidental death.

Guy:
Accidental death. So all of those we're already doing. Already in Zoe, in the platform. So for example, when an employee asks Zoe if they have back pains, she's not only going to tell that employee all of their benefits from their employer, from their insurance, but also the benefits that they have from their employer. For example, benefits around physical therapy or virtual care. So that's why, by the way, most of our customers or some of them…

Michael:
That's true. You don't really keep track of them.

Guy:
You don't. And you provide 20-point solutions, but you see very low utilization because people forget they have that. They hear about it at orientation.

Michael:
Especially the preventative benefits. And you want the preventative, you want people healthy and you won't, you don't remember it.

Guy:
You don't remember. I see our platform as like the last mile solution for all your health and wellness benefits across your insurance, across your point solutions, even your state benefits, right?

Somebody who's pregnant, she has benefits, not just from her employer, but also from the state, right? And that's also something that we're showing that Zoe can show. And then the second is exactly what you mentioned. So disability, life, all of those we're adding as well. That's right.

Michael:
How long have you been working on this?

Guy:
So we're going to celebrate our third year on May 1st. We're going to be three.

Michael:
Well, so you're scaling very fast.

Guy:
We're scaling crazy fast.

Michael:
Are there issues with that?

Guy:
There's always issues with hybrid growth.

Michael:
Yeah.

Guy:
I would say, because we're very AI focused and we're relying on technology, the issues are, the challenges are not with scaling. It doesn't matter for Zoe if there's 50 people on the platform or 500,000, right?

Because again, it's AI, she's never on PTO. She's always available and she's always going to give the same quality of answers to employees. So it's not an issue with our competitors as they scale, they need to bring agents and call center people to kind of handle the workload, right? For us, that's not the challenge.

The challenge for us is, one, meeting demand, right? There's so much demand out there. The second is just getting out there. There's so many companies in the U.S. right now. I think the last number I saw was 5 million companies just in the U.S. If you look at companies with over a hundred employees, there's about 166,000 companies there.

And for us, it's just a matter of getting in front of them, educating them about AI, making sure they understand the benefit of it. Sometimes I'll talk to HR leaders of companies and they're worried about AI, right? They're not yet embracing it as fast as we would want.

Michael:
What we heard certainly when we were at South by Southwest is this whole environment a year from now is going to look completely differently. You're going to see all new companies or you're going to see other companies adopting it. I think it's a competitive advantage. Everything is really about data, the aggregation of data and then the knowledge base around it, not only predictive, but the thought process around the thinking of it.

Guy:
Yeah, we should all be leveraging AI in our day-to-day life, right? Like it can help us just be more productive.

Michael:
So when you deal with medical, there's a thing called HIPAA, right?

Guy:
Right.

Michael:
So there's a lot of regulations around data, personal data around an individual. Do you find that you have to provide now a certain level of data security within your company that protects all of that?

Guy:
A hundred percent. We have a whole team dedicated on our security. We have a chief security officer. We're HIPAA compliant, we're ISO certified. We're on our way to SOC 2. We take data privacy very seriously. It's something that we don't play around with, like we do penetration testing all the time. It's something that we have to take very seriously because again, as you mentioned, it's medical information. What's more classified and important than that? So we take that very seriously.

Michael:
Oh, that's awesome. Do you find a good deal of your budget is applied to data suggests?

Guy:
Yes, for sure.

Michael:
I mean, we see that in most companies today.

Guy:
Yeah. It has to be because as a company that deals with data and so much data, right? It's not just data around you have back pains, it's data around networks of doctors, your deductible, how much your claims, where you are in your claims, where in your deductible. So there's tons of data. We have our own data repository that we built, that everything's there. But we have to make sure that it's secured, right? It's something that we're very much focused on. And you're right. There's a lot of our budget goes into that.

Michael:
Yeah, you see that in most companies and it seems to be getting worse, not better, right?

Guy:
No, it's not going to get better.

Michael:
Yeah. And I you think with AI that gets more complicated, right? What do you think about security and people being able to fictitiously be somebody else?

Guy:
Exactly.

Michael:
Right.

Guy:
And the way to penetrate your data is there's more and more ways people still coming up with more ideas about how to do that. So you got to be prepared.

Michael:
Yeah, that's true. What would you say five years from now, what your company looks like. Where does this go?

Guy:
So I think as if I look back at the last three years, we keep adding more and more features to the platform to make it more comprehensive, more robust. And I think it's just going to keep growing. Our capabilities are going to keep growing. We're not a one product company. We're becoming a multi-product company or we're looking for more ways to help the HR leader or the CFO manage their healthcare budgets. I think in five years, obviously we're going to have much more people on the platform.

So we're aiming to take as much as a market as we can. If we can get to 160 million, that's like where we're aiming. But then the platform itself, it just going to become so much comprehensive because for example, we don't want to just help employees pick the best plan for them and their family, we want to help the employer pick the best plan to offer their employees. Because there's also a lot of data that you can use there to say based on your population of employees, these are the 10 plans you should offer them. So that's one thing that we're working on. There's other things around claims, around understanding your bills by using AI. Seventy percent of bills today in the U.S. have a mistake. So think about if you can use AI to find that mistake.

Michael:
Is that right?

Guy:
Yeah.

Michael:
Boy, that's a scam.

Guy:
Yeah. So, with AI you can find it right away because it happens to all of us.

Michael:
But by the way, though, even on the bills, we really don't know what's being billed.

Guy:
You know, you go to a dentist.

Michael:
Now you look and they have codes.

Guy:
Exactly.

Michael:
And you don't know the codes.

Guy:
With specific codes that you have no clue. But AI does know that.

Michael:
There's thousands of them.

Guy:
Tens of thousands. So they can, with AI, you can say you're covered for this. Why did they charge you, then fix the mistakes that you have. So again, back to your question in five years, we want to have as many employees.

Michael:
What a great company, huh? One, there's transparency. Two, you get comfortable with what being provided to you relative to medical plans, right? Three, it's transparency on costs. So you can actually begin to understand and manage what you're buying, right, and what's the end sort of bill looking like? And then managing your deductible, because by the way, that's difficult.

Guy:
That's right.

Michael:
Like half the time I have to go in and try to sort out like where am I on this?

Guy:
Yeah. Most people don't know and they don't know even what it means. And by the way, I see us as not only creating access to healthcare, which is also lacking in the U.S. right? There's not really access. So we're trying to solve that, but also, making healthcare consumers by creating healthcare consumers, smart healthcare consumers. And I think that will be a huge solution for the waste that we have in the healthcare system.

Michael:
It's a huge benefit to the end user, the consumer who's basically saying, I'm going to go bankrupt.

Guy:
Exactly.

Michael:
Certain type of procedures. I'm going to have to go bankrupt because I can't afford any of this.

Guy:
By the way the reason most individuals are bankrupt in the U.S. is health care bills. So if you can help with that, it's a huge help.

Michael:
What a great company, Healthee. I'm glad TriNet's partnered with you. Yeah. I'm glad we're offering this to our customers.

Guy:
Me too.

Michael:
Pretty exciting.

Guy:
Yeah, we're very excited about that.

Michael:
Are we out of the beta? I'm not sure.

Guy:
We're out of the beta.

Michael:
That's awesome.

Guy:
We have thousands of customers from TriNet that are on our platform getting amazing reviews so far and feedback, and we're very excited about it.

Michael:
That's terrific. Well, listen, I loved having you here. I think this is so important. It's a huge topic with all small businesses. Any of those folks that are listening to this or watching this, it is the biggest pain point. Number one pain point for small businesses is the health care and the cost of it.

People are thinking about how do we get a healthier workforce? How do we provide preventative care? How do we get in front of this and try to reduce this whether you're overinsuring, etc. And I think what you're doing really is starting to solve a massive problem here in the U.S. and certainly for small business.

Guy:
Yeah, I agree. And again, with the partnership with TriNet, we're getting to so many small businesses. It's astounding.

Michael:
Yeah. I look forward to seeing how your AI shapes up throughout the year. What this looks like. We'll have to revisit you a year from now to say, wow, what this thing can do with the knowledge that'll come with that.

Guy:
So it's just getting better.

Michael:
Yeah. So Ben, thank you so much. This was great having you.

Guy:

Yeah. Thank you.