Get real-time benefits guidance tailored to your business
Gus, Gusto's AI assistant, helps you understand your benefits options, compare real plans and costs, and build a package for your team and budget. When you're ready, a licensed benefits advisor reviews your choices before you enroll. Available in select states.
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Shopping for benefits shouldn't feel like guesswork
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Tell Gus what your team needs
Share your budget, priorities, and questions. Gus uses what Gusto already knows about your business to give you personalized guidance right away.
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Compare plans and build your benefits package with Gus
See plans, prices, and tradeoffs side by side. Gus helps you put together medical, dental, vision, and other benefits that fit your team and budget.
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Reviewed with a licensed benefits advisor
Before you apply, a licensed benefits advisor reviews your selections to verify it's a great fit and answers any remaining questions you have so you can offer benefits with confidence.
Start offering benefits with confidence
Gus helps you choose. Gusto makes benefits easy to manage.
Once you've found the right benefits for your team, Gusto makes it simple to enroll and manage your benefits alongside payroll.
Benefits built right into your payroll
Benefits deductions happen automatically with every payroll run, saving you time, reducing errors, and eliminating the need for manual reconciliation.
Coverage options for any budget
Whether you're a two-person shop or a growing team, Gusto helps you offer benefits that make sense for your team.
Benefits administration, simplified
Gusto manages open enrollment, renewals, compliance, and employee life events so you can focus on running your business.
More ways to support your team
Great benefits that keep great people
Gusto offers a full range of benefits, so you can build a package that fits your team’s unique needs.
- 401(k) retirement plans
- Dental & vision insurance
- Life & disability insurance
- Health savings account (HSA)
- Flexible spending accounts (FSA)
- Commuter benefits and more
Frequently asked questions
Gus is your AI benefits assistant. Because it lives inside Gusto, it already knows the basics about your business. Ask Gus anything about benefits and you’ll receive instant, personalized responses. It compares plans and costs side by side, and recommends options that fit your team and budget—so choosing the right coverage feels clear instead of overwhelming. When you're ready, a licensed benefits advisor reviews your choices before you enroll.
The cost depends on the health plan you choose and how much of the cost you decide to cover as the employer. Because small group insurance rates are government-regulated, you'll pay the same through Gusto as you would with any other broker, with no additional platform fee for benefits administration. Our licensed advisors and Gus can give you a real estimate based on your company size and budget.
Gus helps you build a complete package, including medical, dental, vision, and more, assembled into one ready-to-submit application.
We do! Health benefits through Gusto (including medical, dental, vision, HSA and FSA health plans, life and disability) are available in all 50 states and D.C. Learn more.
Gus for benefits is currently available in Alaska, Arkansas, Arizona, Washington D.C., Delaware, Georgia, Hawaii, Illinois, Kentucky, Massachusetts, Michigan, Missouri, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Utah, Virginia, Washington, and West Virginia
Insurance products provided by ZP Insurance LLC dba With Gusto Insurance Services LLC; current list of its insurance licenses is available here.