Benefits Studio vs HealthJoy

Both answer benefits questions with AI. HealthJoy adds a concierge team and an app; Benefits Studio is a benefits site with no logins.

An app with a concierge team

Choose HealthJoy if

You want a concierge team that handles claims disputes, appointments and care coordination
You want one app for benefits questions, provider search and prescription savings
You can budget per employee per month and run a sales and setup process

A benefits home with cited answers

Choose Benefits Studio if

Employees can't find their plan details, documents or the right phone number
You want every answer to show the page of the plan document it came from
You want one flat price per portal, with Benny from $99 a month billed yearly

Published by Benefits Studio, which is not affiliated with HealthJoy. Rick Ramos, who founded Benefits Studio, worked at HealthJoy and still owns equity in the company. He wishes HealthJoy success. Last verified October 15, 2026.

What does a year cost?

HealthJoy doesn't publish prices. Its client terms bill a per-employee monthly rate set in each contract¹. LaSalle County, Illinois approved $8.70 per employee per month in September 2026². At that rate, an employer with 200 employees would pay about $20,880 a year. That is our arithmetic: HealthJoy prices each contract on its own.

HealthJoy at LaSalle County's rate, 200 employees (our arithmetic)²: $20,880
Benefits Studio Professional, billed yearly (employers up to 500): $1,188

Different products, different jobs: HealthJoy's fee includes a concierge team, and Benefits Studio doesn't provide one.

Prices come from public online sources as of October 15, 2026. Negotiated contract pricing often differs.

What does each assistant answer from?

HealthJoy says JoyAI is trained on your benefits plan and handles plan comparisons, coverage questions, provider lookups and cost estimates, with a licensed concierge team for complex cases³.

Benny answers only from the plan documents you upload and confirm, and every answer shows the page it came from. Benny doesn't search for providers or book appointments; it points employees to the carrier or your team.

HealthJoy and Benefits Studio side by side

What it is
HealthJoy
A benefits app with an AI assistant, JoyAI, backed by a human concierge team^3,6
Benefits Studio
A benefits website for your employees, with an AI assistant that answers from your plan documents
Who does the work
HealthJoy
Software, plus a concierge team that handles complex cases³
Benefits Studio
Software your HR team or broker runs. Nobody from Benefits Studio talks to your employees
Price
HealthJoy
Quote-based, per employee per month. One public contract: $8.70 per employee per month (LaSalle County, IL, 2026)^1,2
Benefits Studio
$49, $99 or $199 a month, billed yearly. Flat per portal
Getting started
HealthJoy
A sales demo, then a contract with a target start date^1,9
Benefits Studio
About 5 minutes to a first draft. You review every plan detail before it publishes
People who help employees
HealthJoy
Yes. A concierge team by chat, phone and tickets. HealthJoy's program terms list chat hours of 7 a.m. to midnight Central on weekdays and 10 a.m. to 6 p.m. on weekends^3,7
Benefits Studio
None of ours. Employees reach your HR team, broker or carrier through the contacts you add
Claims and bill help
HealthJoy
The concierge team handles claims disputes. Bill review is an add-on module^3,7
Benefits Studio
No. Benny points employees to the carrier or your team
Who answers employee questions
HealthJoy
JoyAI, which HealthJoy says is “trained on your benefits plan”, with escalation to the concierge team³
Benefits Studio
Benny (Professional and up), from your plan documents, citing the page
Employee logins
HealthJoy
A HealthJoy member account, in its app or on the web^5,10
Benefits Studio
None. The site is public, or one shared password protects it
Built for
HealthJoy
Employers, sold directly and through benefit consultants⁶
Benefits Studio
Employers up to 2,500 employees, and the brokers who serve them

HealthJoy compared with Benefits Studio
	HealthJoy	Benefits Studio
What it is	A benefits app with an AI assistant, JoyAI, backed by a human concierge team^3,6	A benefits website for your employees, with an AI assistant that answers from your plan documents
Who does the work	Software, plus a concierge team that handles complex cases³	Software your HR team or broker runs. Nobody from Benefits Studio talks to your employees
Price	Quote-based, per employee per month. One public contract: $8.70 per employee per month (LaSalle County, IL, 2026)^1,2	$49, $99 or $199 a month, billed yearly. Flat per portal
Getting started	A sales demo, then a contract with a target start date^1,9	About 5 minutes to a first draft. You review every plan detail before it publishes
People who help employees	Yes. A concierge team by chat, phone and tickets. HealthJoy's program terms list chat hours of 7 a.m. to midnight Central on weekdays and 10 a.m. to 6 p.m. on weekends^3,7	None of ours. Employees reach your HR team, broker or carrier through the contacts you add
Claims and bill help	The concierge team handles claims disputes. Bill review is an add-on module^3,7	No. Benny points employees to the carrier or your team
Who answers employee questions	JoyAI, which HealthJoy says is “trained on your benefits plan”, with escalation to the concierge team³	Benny (Professional and up), from your plan documents, citing the page
Employee logins	A HealthJoy member account, in its app or on the web^5,10	None. The site is public, or one shared password protects it
Built for	Employers, sold directly and through benefit consultants⁶	Employers up to 2,500 employees, and the brokers who serve them

Prices come from public online sources as of October 15, 2026. Negotiated contract pricing often differs.

How are they different?

HealthJoy is an app with a concierge team

HealthJoy calls itself a benefits operating system⁴. Employees use its app or website⁵ to chat with JoyAI, search for providers, find lower prescription prices and reach the concierge team^3,6. Its program terms list concierge chat hours of 7 a.m. to midnight Central on weekdays and 10 a.m. to 6 p.m. on weekends, and sell telemedicine and bill review as add-on modules⁷.

Benefits Studio is a benefits website

It turns your plan documents into a site employees open on their phone, with no login: plan details, carrier links, contacts, enrollment dates and the documents themselves. Benny answers from those documents. Nothing publishes until someone on your team confirms it.

Who is each one built for?

HealthJoy sells to employers and through benefit consultants⁶. Its CEO wrote in April 2026 that its model is now within reach of a 100-person company with one HR generalist⁸. Benefits Studio is built for employers up to 2,500 employees and the brokers who serve them, who buy one portal per client.

Thinking of switching from HealthJoy?

What you give up

The concierge team, provider search and the prescription savings tool^3,6. If employees lean on those, keep a navigation app.

What carries over

The information. Upload your plan documents, add carrier and HR contacts, and switch at renewal so employees hear one clear message at open enrollment.

Can you use both?

Yes. Benefits Studio can be the place employees start: plan details, documents, contacts and enrollment dates, with no login. Add HealthJoy as its own benefit on your site, with its app link, so employees know where to go for a provider search, a prescription price or help with a claim.

Questions buyers ask

Is Benefits Studio a replacement for HealthJoy?

No. Benefits Studio has no concierge team and doesn't search for providers or work on claims. It replaces the PDF benefits guide and the questions HR answers by email.

How much does HealthJoy cost?

HealthJoy doesn't publish prices. Its contracts set a per-employee monthly rate, and LaSalle County, Illinois approved $8.70 per employee per month in September 2026.

How long does HealthJoy take to set up?

HealthJoy doesn't publish a standard timeline; its contracts set a target start date. A Benefits Studio portal drafts itself from your plan documents in about 5 minutes, and you review it before it publishes.

Do employees need to log in?

Not to Benefits Studio: a site is public, or protected by one shared password. HealthJoy members sign in to its app or website.

Why does this page mention Rick Ramos?

Rick Ramos, who founded Benefits Studio, worked at HealthJoy and still owns equity in the company. He wishes HealthJoy success. We say so on every page that names HealthJoy, and we use only public information about it.

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Sources

HealthJoy, Client Terms and Conditions (PDF) (May 15, 2026). Checked October 15, 2026.
LaSalle County, Illinois, County Board minutes: Resolution #26-101, HealthJoy contract (September 14, 2026). Checked October 15, 2026.
HealthJoy, Member experience. Checked October 15, 2026.
HealthJoy, HealthJoy moves beyond navigation to one end-to-end benefits operating system (May 13, 2026). Checked October 15, 2026.
HealthJoy, HealthJoy's spring 2025 product updates (March 10, 2025). Checked October 15, 2026.
HealthJoy, HealthJoy home page. Checked October 15, 2026.
HealthJoy, Exhibit 1: Description of Program (PDF) (July 30, 2026). Checked October 15, 2026.
HealthJoy, Enterprise-grade benefits without the enterprise-sized HR team (April 3, 2026). Checked October 15, 2026.
HealthJoy, Contact. Checked October 15, 2026.
HealthJoy, Log in. Checked October 15, 2026.

HealthJoy is a trademark of its owner. Benefits Studio is not affiliated with it, and this page uses public information only. Last verified October 15, 2026.

Rick Ramos, who founded Benefits Studio, worked at HealthJoy and still owns equity in the company. He wishes HealthJoy success.

Spot an error? Email support@benefitsstudio.com. We correct verified errors within a week.