Spine

Every founder wants better coverage at a lower cost. The challenge is figuring out how to get there. AI helps us evaluate the options. Experience helps us build the right strategy. Benefits are more than picking a plan.

Health benefits guidance for tiny teams. Enter your team size, location, age mix + funding to explore coverage options and estimated costs. Free to use. No email required. hr.joinspine.ai/smart-report

Demoing the most impressive thing we’ve built since the start of YC. Tough crowd to impress though, everyone is 🚀 @okardesler , ececokar

Spine just launched on @ycombinator's Launch YC! Spine: We run HR back office & benefits for startups, for free. Check out: ycombinator.com/launches/URD…

Switching health insurance brokers doesn't mean switching plans. It runs on a one-page broker-of-record letter, usually effective the 1st of the next month, and your employees never notice. Template + carrier timelines: joinspine.ai/blog/broker-of-…

A lower monthly premium doesn’t always mean a lower annual cost. Here’s how to compare health insurance plans by looking at deductibles, provider networks, prescription coverage, and what you could actually spend over a year. joinspine.ai/blog/how-to-com…

Insurers asked for a median 14% increase on small business health plans for 2027, and most January 1 renewals land in the next few weeks. We wrote up what to check before you sign, what you can still change, and why the real decision date is around November 10. joinspine.ai/blog/2027-healt…

Finding a doctor is one thing. Finding one in your plan’s network is another. Spine helps you check your health plan’s network and find an in-network match so you can take the next step with a clearer answer. And that’s one less thing on your plate. Across people ops, compliance, and insurance, Spine backs you and your team so you can get back to building. Meet Spine → joinspine.ai

The renewal email arrived. So did the higher price. Before you renew, Spine compares health plan options around your team's needs and budget—and brings you a recommendation you can actually review. And that's one less thing on your plate. Across people ops, compliance, and insurance, Spine backs you and your team—so you can get back to building. Meet Spine → joinspine.ai

The perfect hire lives in another state. Now there's a setup checklist you didn't know you had. Spine manages the state registration and payroll requirements that come with hiring across state lines, so unfamiliar paperwork doesn't become your next project. And that's one less thing on your plate. Across people ops, compliance, and insurance, Spine backs you and your team—so you can get back to building. Meet Spine → joinspine.ai

Your new hire starts Monday. The missing form has other plans. Spine follows up on onboarding paperwork and tracks what's still needed, so you can focus on welcoming your new teammate. And that's one less thing on your plate. Across people ops, compliance, and insurance, Spine backs you and your team—so you can get back to building. Meet Spine → joinspine.ai

The most common source of unregistered states isn't hiring. It's an employee moving from one state to another. Same obligation stack as a new hire. Zero paperwork to warn you. Finance finds out from a payroll register eight months later. What actually attaches when you start paying someone in a new state: joinspine.ai/blog/multi-stat…

At 50 employees, four separate compliance rules kick in. Each one counts "employee" differently. ACA: last year's average of full-time + FTEs FMLA: heads on payroll, 20 workweeks COBRA: already applied at 20 Form 5500: 100 participants, not employees The counting mechanics, at 2026 rates: joinspine.ai/blog/50-employe…