UnionHub
Solving the Impossible Equation in Benefits and Payments

A Company with unconventional solutions to conventional problems that have plagued an industry for decades.

Employers want to expand beyond core medical coverage to recruit, retain and attract top talent. Brokers traditionally needed to apply resources and face unique pressure when they try to serve large, complex groups, often getting NO’s. Carriers want clean, predictive, accurate and timely data to underwrite risk. And workers, the people doing the real work, want access to difference-making benefits and the confidence that their coverage is active when they need it most. This is why many employers, associations, unions and the public sector opt out of offering voluntary benefits. It is just too hard to offer benefits in today’s world beyond what you are required to offer as the employer. The NO.

For years, the missing piece was a system that inherently got NO’s where we now get YES’s.

UnionHub built that system. A system of YES. By uniting enrollment, payments, administration, robust CRM, compliance and communication into one platform, and AI that helps empower integration and answers at the worker level, UnionHub has created something almost unheard of in business: a true win-win-win-win. Workers gain access. Employers shed administrative burdens. Brokers scale profitably. Carriers get new access to market with audited billing and clean, real-time participation data.

This is not about shifting premium. It is about unlocking premium the industry has never been able to touch. That is the growth story brokers and carriers have been waiting for.

“UnionHub isn’t just another benefits platform,” says Edward Haley, founder, chairman and CEO. “We solved a problem the industry didn’t think could be solved. We created access for workers and removed friction for everyone else. That’s why adoption is happening at scale.”

Cracking the Code with Pay Day Deduction

At the core of UnionHub’s innovation is its proprietary Pay Day Deduction System™, which breaks benefits, free from employer payroll and ties them directly to worker paydays through secure ACH transfers. Whether weekly, biweekly or monthly, each deduction is timed to the worker’s specific pay cycle.

The results ripple across the industry. Employers are relieved of billing and reconciliation. Associations get access to new payment solutions. Carriers gain access to new markets while also getting unprecedented, accurate, predictable data. Brokers no longer need costly call centers or third-party administrators to handle enrollment. And workers gain the assurance that their coverage is funded and active the moment they are paid.

UnionHub’s model has already delivered industry-first self-enrollment rates of 90 percent, meaning nine out of ten workers complete enrollment with no human or broker involvement. It has processed millions of transactions seamlessly and set industry records for the largest single-day self-enrollment events in the voluntary benefits market.

Unlocking a $150 Billion Market

For all its size, the voluntary benefits industry leaves more than $100 billion and perhaps as much as $150 billion, in premiums stranded every year. Not because workers do not want coverage, and not because employers do not want to offer it, since they value retention, competitive advantage and top talent incentives, but because no one had figured out how to capture it. Multi-state payroll complexity, different pay schedules, employer benefit requirements and outdated technology created barriers too steep to climb.

Employers are consumed with managing required benefits like health, FMLA, state mandates and parental leave. They lack the resources, and often the desire, to take on voluntary benefits. It is the classic chicken-and-egg problem. UnionHub makes it possible for the chicken and the egg to finally coexist.

UnionHub has cracked the code.

Already, the platform has unlocked more than $100 million in net new premium, not by migrating accounts from one carrier to another, but by expanding access where none existed. It is a newfound premium, coverage for workers who were previously shut out and revenue carriers never thought possible.

“This is not about shifting premium,” Haley explains. “It is about unlocking premium the industry has never been able to touch. That is the growth story brokers and carriers have been waiting for.”

Built to Scale Without Limits

UnionHub was designed in Denver by a team outside the legacy insurance mold. Every line of code is proprietary, purpose-built to scale from 1,000 workers to 1 million without friction, with free-flowing data and access.

That architecture reshapes the economics of benefits. Brokers who once walked away from enterprise accounts because of cost and complexity can now pursue them profitably and with confidence. Carriers who once relied on assumptions and averages now underwrite with real-time visibility into risk at the individual level. UnionHub drills down to the most infinitesimal, granular level of data, precision carriers have never seen or even considered acceptable. Insurance executives are still trying to figure out how to handle the level of detail UnionHub delivers.

Employers who once dreaded administration are free from it entirely. And workers finally get what they deserve: access to protection that is simple, trustworthy and available in the most difficult moments it is needed.

“UnionHub is saving lives, credit scores, homes, families and financial stability. This is the work the industry could never do. We are most proud of that. And do not just take our word for it, listen to the stories and the real-world impact that prove it,” says Haley.

The Founder’s Vision

From the beginning, Haley challenged his entire company to think differently. The vision was simple: build a frictionless system where a worker could understand, select and enroll in benefits in as little as three minutes. The goal was not just to deliver access to coverage, but to make the process so clear and effortless that workers could see and feel the impact immediately. That commitment to simplicity became the secret sauce of UnionHub, proving that the fastest way to drive participation, adoption and trust is to remove friction at every step.

Haley’s vision and challenge to the UnionHub team have been the driving force behind this disruption. He rejected the industry’s narrative that complexity and inefficiency were simply the norm. Instead, he brought in leaders from outside the traditional insurance space, people with fresh perspectives and the courage to question everything. His own experiences abroad, where he studied forward-thinking companies experimenting with self-service and payment innovation, reinforced his belief that the system could be rebuilt from the ground up. That refusal to accept business as usual became the foundation of UnionHub’s culture: solving problems with new thinking, creating a new standard and building a platform that delivers access for workers while removing friction for everyone else.

The First Source of Truth

UnionHub’s vision extends far beyond enrollment and administration. By serving as the first true source of all truth in the industry, where enrollment, premium flow, compliance data, claims data and communication live in one place, UnionHub is laying the foundation for the next era of benefits.

The roadmap includes underwriting native products directly on the platform. When enrollment, premium and claims all exist in a single ecosystem, UnionHub’s new claims heat map technology and advanced ledger provide insight never before available to carriers. Those efficiencies flow back as intuitive premium modifications, richer benefits and entirely new product models designed for today’s workforce, where W-2 and 1099 workers often sit side by side on different pay schedules. This is driving the next wave of innovation and access to carrier products.

A One-of-One Company

UnionHub is not a white-labeled solution. It is not recycled technology. It is the first and only platform purpose-built to solve the industry’s most persistent problems in one integrated system. It is an ecosystem for delivering, administering, managing and originating benefits in a new way, anticipating the next generation of industry needs and products.

That position, as a one-of-one company, is what allows UnionHub to keep innovating where others cannot. By eliminating friction, creating equity and unlocking new opportunities across the ecosystem, UnionHub has proven that the impossible equation can be solved.

The result is access for workers, growth for carriers, profitability for brokers, relief for employers and an industry finally aligned around shared success.