Health insurance. Built for real people, not spreadsheets.
Voice-guided. Mobile-first. Designed for the teams group plans forgot.
Group insurance is expensive, rigid, and hard to manage. Spectacle gives you control—over costs, coverage, and your time.
We help small businesses offer health benefits
Without the complexity of group insurance.
Spectacle Health is a licensed broker and technology platform that makes it easy to provide tax-free health coverage to your team—without locking into one-size-fits-all plans.
We do this using a modern benefits model called ICHRA (Individual Coverage Health Reimbursement Arrangement), where you set a budget and employees choose their own plans. Think 401(k), but for health insurance. We handle everything behind the scenes.
What Makes Us Different
Works on any phone—even landlines
Easy, modern, jargon-free
We handle setup, reimbursements, and compliance
Spectacle is the only platform designed for teams that aren't insurance experts—and don't want to be.
Product Experience
Insurance, explained like a human would.
Spectacle is the only benefits platform with a voice assistant that feels like talking to a trusted broker.
"I take a few prescriptions and don't want a big bill."
"Let's look at plans with good drug coverage under $300/month."
"Can I keep my pediatrician?"
"Yes. I found three plans that include Dr. Simmons. Want to compare them?"
What matters most to you?
Your preferences help us find plans that fit your lifestyle
A Better Way to Offer Benefits
Old way:
Pick one expensive group plan and hope it fits your team
New way:
Set a budget. Your team chooses. We do the rest.
How Spectacle Works
You set a monthly budget per employee
Define how much you want to contribute toward each employee's health coverage.
Your team shops for individual plans
Employees use our voice or mobile tools to find plans that fit their specific needs.
We handle the rest
We take care of enrollments, reimbursements, and all compliance requirements.
Why Businesses Choose Us
20–30% cheaper than traditional group plans
Save money while offering better coverage options to your employees.
Zero admin burden for your team
We handle all the paperwork, compliance, and administration so you don't have to.
Works for any size team
No minimum employee requirements—perfect for small teams and growing businesses.
A fast-moving policy shift meets an overlooked market
Most benefits platforms were built for tech-savvy desk workers. We're focused on everyone else. Spectacle makes it easy for small teams to offer real health benefits—with a voice-first, mobile-native platform that works wherever people are.
Our Advantage
Go-to-market: ICHRA + small employers
Riding a fast-moving policy wave to reach underserved businesses.
Distribution: voice-first, multilingual
The only platform optimized for mobile, phone, and Spanish-language navigation.
Revenue model: carrier commissions + SaaS
Built-in recurring revenue with strong gross margin potential.
Growth levers: embedded tech + broker partnerships
White-labeling shopping solutions and broker enablement unlock scale.
Voice Enrollment Flow
Initial Contact
Employee calls or texts to start enrollment
Needs Assessment
Voice assistant gathers key information
Plan Recommendations
AI matches needs to available plans
Enrollment Completion
Seamless enrollment with verbal confirmation
There’s a massive gap between how benefits are sold and how people actually live and work. Spectacle is bridging that gap—with urgency and empathy.
Mission & Team
Our mission is simple:
Make insurance understandable, accessible, and human—for everyone.
Whether someone speaks Spanish, uses a flip phone, or has never had coverage before, they deserve clear, compassionate guidance. We're here to make sure they get it.
"We believe everyone deserves clear, human help with their coverage."
About Our Team
Proudly based in Madison, WI, serving businesses and individuals nationwide
Led by founder Erika Poole, combining deep insurance expertise with human-centered design
Our team brings together experience in product design, insurance operations, AI, and compliance
"We started Spectacle to solve a real problem: helping millions of workers and employers access benefits they actually understand and use."
— Erika Poole, Founder & CEO