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The New Formula for Employee Benefits

Employee Benefits are broken.
A New Health Care Solution is Here

Nfor1 delivers a modern and more equitable benefits program designed to better meet the needs of all employees.

Learn About Our Proprietary Benefits Equity Analysis Tool


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Your Employees Will Give You a Standing Ovation

"It's as if Everyone Got a Raise."

A Program to Meet Every Employees Needs

Precision Benefits

Smart Tablet

Our Unique Algorithms Help Employees Properly Allocate Financial Resources

The New Math of Employee Benefits is Here

Precision Benefits

Ask About our Just in Time Asset Allocation

It's Personal

The current one-size-fits-all programs are not meeting the needs of all employees.  A Precision benefits program gives every employee the ability to allocate their benefits dollars to meet their specific needs.

It's Private

Let’s face it, people like privacy. Whether an employee buys an app to help them with depression or weight loss or simply wants to create an emergency fund the use of their funds is private.


It's Portable

It is hard for an employee to invest in programs that “turn-off if they quit or lose their job. Much like a 401K, an employee’s health insurance, health savings account money, and other programs they have invested in are best if they are portable. 


nfor1 where n = the many options for employees

Health Savings Account

Fitness Tracking App

College Debt Repayment

College Planning

Emergency Fund

Genetic Testing

Life Insurance

Nutrition Coaching

Health Advocate

Smoking Cessation Program

Health Insurance

Identity Theft Protection

Legal Access

Deliver a Personalized & Modern Benefits Program

Man with Striped T-shirt
Young Woman
General Manager Portrait
27 Year-old Single Male
Income - $36,000
Employer Funds           $400
  $4000 Ded Health Insurance              $270
  College Debt Repayment                      $75
  Fitness App                                             $5
  Emergency Fund                                  $50
                                                   Total   $400
  Employee Deduction                               $0
The average college graduate has $26,000 in debt.
33 Year-old Married 2 Children
Income - $55,000

Employer Funds         $1,500

 $2000 Ded Health Insurance           $1,442
 HSA Contribution                                  $75
 Childcare                                             $600
 Telehealth                                                $5
                                                Total   $2,097

 Employee Deduction                           $597
The average cost of child care in the United States ranged between $9100 and $9600
60 Year-old Married - Children Grown
Income - $75,000
Employer Funds         $1,400
 $3000 Ded Health Insurance           $1,442
 HSA Contribution                                $500
 Health Advocate                                   $13
                                                Total   $1,955
 Employee Deduction                           $555
A recent study by Fidelity found that a 65-year old couple retiring in 2020 will pay an average of $295,000 in health care costs over their lifetime.
Key in the Lock
There is a Better Benefits World out there
  • New Laws Have Enabled Employers to Reimagine Employee Benefits and Reduce Costs
Employers hold the Key to a Better Benefits Future
  • However, the Industry is Hiding it from you.
  • You Can Release the Power to Your Employees
  • It Doesn't Hurt to Look at What is Possible

The Process


Our Unique Algorithms Ensure Employees Make the Best Benefits Decisions


Our Online Process Makes Things Easy for Employess to Enroll


Our Streamlined Processes and Personalized Support Makes This Worry-free for Employers


1 Broadway St. 14th Floor Cambridge, MA 02142  Tel: 508-498-7591

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Nfor1 is the New Formula for Health Insurance and Employee Benefits
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