Intelligent Health Insurance & Paid Family Leave Navigation Platform
Navitize is a consumer-focused platform that simplifies health insurance decisions and paid family leave planning. We transform the confusing world of healthcare benefits into clear, personalized guidance that helps people make confident decisions about their coverage.
"Making healthcare decisions simple — your personal guide through the often confusing world of health insurance and paid family leave."
Unlike traditional insurance comparison tools that overwhelm users with data, Navitize uses conversational AI to understand individual needs and provide tailored recommendations based on actual health situations, family size, budget priorities, and expected healthcare usage.
The platform serves Minnesota residents with comprehensive coverage of state health insurance options and full support for Minnesota's new Paid Family and Medical Leave program launching January 1, 2026.
AI-powered plan recommendations, side-by-side comparisons, and personalized cost calculations for individuals and families.
Benefit calculator, leave tracking, and statutory Q&A for Minnesota employees preparing for family or medical leave.
Employee roster management, premium calculations, compliance tracking, and leave request management for businesses.
Each product operates independently with its own dashboard and feature set, while sharing a unified account system and seamless navigation between products.
Users ask questions in plain English and receive clear, accurate answers pulled from actual plan documents — not generic information.
An 8-question health profile enables AI to recommend plans based on individual health needs, family size, and budget priorities.
Side-by-side analysis with annual cost projections for healthy, moderate, and high healthcare usage scenarios.
Personalized cost estimates based on specific medications, expected doctor visits, and potential health events.
Users can upload their own plan documents for AI analysis and comparison with platform-indexed plans.
Downloadable PDF reports for comparisons and calculations, shareable via links or QR codes.
Minnesota's PFML program launches January 1, 2026, providing up to 90% wage replacement (maximum $1,423/week) for qualifying leave events. Navitize provides comprehensive support for both employees and employers.
Minnesota's PFML mandate affects 560,000+ businesses. With implementation beginning January 2026, employers urgently need compliance tools and guidance — creating immediate demand for Navitize's employer solution.
Navitize operates on a freemium model with a 14-day full-featured trial converting to tiered subscriptions:
| Tier | Price | Target User |
|---|---|---|
| Free Trial | $0 (14 days) | All users — full access with usage credits |
| Premium | $9.99/month | Individuals wanting unlimited access |
| Premium Plus | $19.99/month | Families with complex health needs |
| Broker Starter | $49/month | Independent brokers (15 clients) |
| Broker Professional | $99/month | Growing practices (50 clients) |
| Broker Agency | $199/month | Large agencies (150 clients) |
| Employer Starter | $49/month | Small businesses (15 employees) |
| Employer Growth | $99/month | Mid-size businesses (50 employees) |
| Employer Business | $199/month | Larger businesses (150 employees) |
| Employer Enterprise | Custom | Large organizations (unlimited) |
Additional revenue from Premium users: $2.99 per additional plan in multi-plan comparisons (beyond 2 included).
Current Status: Platform fully built and operational with comprehensive features across all three product lines. Ready for market launch.
Navitize addresses a universal pain point: the confusion and frustration people experience when navigating health insurance and employee benefits. By combining conversational AI with comprehensive plan data and personalization, we make these critical decisions accessible to everyone.
The timing is ideal. Minnesota's PFML program creates immediate demand from 560,000+ employers needing compliance tools, while ongoing healthcare complexity drives consumer need for guidance. Our integrated platform serves both markets with a proven freemium model.
✓ Proven Need: Health insurance confusion affects millions; PFML creates new compliance urgency
✓ Complete Solution: Three integrated products serving consumers, employees, and employers
✓ Market Ready: Fully built platform with 50+ plans indexed and comprehensive PFML support
✓ Multiple Revenue Streams: Subscriptions from individuals, brokers, providers, and employers
✓ Perfect Timing: Minnesota PFML launch January 2026 creates immediate market opportunity