Finally.Give more of yourworkforce meaningfulhealth benefits.
Part-time. Variable-hour. Seasonal. Opt-outs. People moving in and out of eligibility. Smirk extends meaningful health benefits access to the workers who fall outside a traditional plan.
Underwritten and insured by Federal Insurance Company and ACE American Insurance Company, both companies.
The benefits model hasn’t changed since 1929. Your workforce has.
Employer health coverage was built for one full-time job you keep for life. Work stopped looking like that a long time ago.
1929
Built for a job you keep for life
Employer health coverage is invented, tied to a single full-time employer and meant to last a whole career.
The decades since
Work changes
Part-time, hourly, seasonal, 1099, pre-retirees, and people moving in and out of eligibility. The workforce stops fitting the plan.
Today
The model still runs
It works for full-time staff and leaves millions of workers outside it, with nothing meaningful to fall back on.
Now
Benefits built for how people work today
Owned by the worker, not the job. Personalized, and light for employers to offer.
Low-Lift for Employers. High-Value for Workers.
Smirk gives employers another way to support more of their workforce without simply extending the cost and complexity of the traditional employer-sponsored health plan.
Choose the Model That Fits
You set the terms that fit your organization.
Keep the Administrative Lift Low
Smirk runs the day-to-day so your team does not have to.
Support More of Your Workforce
Offer Smirk to eligible worker populations without replacing or disrupting existing benefits.
Benefits Workers Own and Use
Each worker builds personalized benefits that stay with them as their circumstances change.
One Connected Health Benefits Experience.
Smirk brings personalized benefits, greater transparency, care navigation and patient-to-provider payments together in one connected experience built around the individual.
Built Around the Individual
Workers build a mix of benefits based on their individual needs, priorities and budget. Benefits are individually owned and stay with workers as work and life change.
Ailene · getting started
Understand and Use Benefits
Workers can clearly see what their benefits pay and gain greater visibility into the cost of care before making healthcare decisions.
Find & Navigate Care
Ailene™, Smirk’s AI Care Concierge, helps workers understand their benefits, find care, schedule appointments and navigate what comes next.
Ailene · next step
Direct Patient-to-Provider Payments
Members use the Smirk Wallet™ to pay for care with their available benefits at the point of service. Powered by Mastercard.
Ongoing Preventive Care Management
Ailene™ helps workers stay ahead of their care, nudging preventive visits and screenings so small things get handled before they become big ones.
Ailene · preventive
Tell us who you cover and how you want to offer it, and our team will help you build the right model.
Meet Ailene™,Smirk's AI CareConcierge.
Ailene provides personalized guidance from benefits to care, helping workers understand their options, make informed choices and know what to do next.
Ailene gets to know each of your workers,then helps them:
Real human support sits behind Ailene™, and your data stays with you.
Legacy benefits vsSmirk Mobile Health Benefits
Employer health benefit costs are projected to rise 9.5% in 2027.
The traditional model isn’t only built for a workforce that changed. It is getting more expensive to run: a fourth straight year of near double-digit increases, one of the most sustained stretches of health cost inflation in decades. Smirk gives employers greater control over benefits spend through flexible eligibility and contribution levels, without replacing or reworking the existing health plan.
Trusted and backed by Fortune 100 directors, CEOs and CHROs.
We are in the midst of an extraordinary movement redefining both how work gets done and how people work. Smirk Health is poised to be an integral part of this transformation, enabling individuals to access quality, affordable healthcare benefits that are truly portable. At the same time, Smirk empowers companies to rapidly evolve their approach to benefits, meeting significant cost pressures head-on while responding to the evolving needs and expectations of a modern, dynamic workforce.
After leading HR across 100+ markets, it’s clear that portable, personalized benefits are no longer optional, they’re essential for attracting and retaining today’s workforce. Smirk’s infrastructure gives CHROs the tools to help them win the talent war.
I joined Smirk’s board because I believed the health benefits system needed to be rebuilt from the ground up, not patched. For decades, the playbook barely changed, leaving millions of part-time, independent and gig workers without benefits designed for how they actually work. Smirk is building the successor system: portable benefits that follow the person, layered with an AI-powered experience that helps guide people to the right care. That is not an incremental improvement, this is what a new category looks like.
My excitement to help Smirk Health resides with helping people struggling with the affordability and quality of health and care.
Smirk is redefining what economic empowerment looks like for America’s gig and independent workers. By giving people the tools, transparency, and financial access they deserve, Smirk is helping build a stronger, fairer workforce for the next generation of entrepreneurs and creators.
Data-driven, portable benefits are the next step in total rewards. Smirk’s approach fits global, tech-enabled workforces, clear options, lower friction, and real guidance for employees, with better transparency for employers. By modernizing benefits in this way, organizations can improve retention while giving employees confidence in their choices.
Across my career, I’ve seen how hourly and part-time employees are too often left with benefits systems that don’t meet their needs, and how providers struggle to deliver quality care inside those same constraints. That’s why I’m excited about an unmatched solution that makes access and understanding simple, helps providers schedule and deliver care with ease, and builds highly cost-effective benefits while raising the quality of care. When we design with people in mind and focus on clarity and value, everyone wins.
While health care and drug costs continue to skyrocket, employee benefits have not evolved. Simultaneously gig work and part-time work has become more the norm than the exception. Smirk is creating a novel platform to create affordable solutions for employers and employees. I am excited to partner with Felix and his team to help lower costs and improve outcomes for workers and their employers.
Getting every American health coverage that is affordable is an undeniable goal. Smirk is achieving this goal for those workers left out of health insurance because of employment and income. Smirk is filling a critical void in our current health care system and has the potential to help millions of uninsured Americans.
Today’s organizations with sizable hourly and part-time employees are seeking benefits that are affordable and easy to communicate. Smirk’s benefits programs can fill that need while offering portability to the employees. As workforces continue to evolve, offering contemporary and practical new benefits solutions will further differentiate your value proposition.
Health is the most valuable asset we have, and Smirk makes it accessible, flexible, and portable. For companies serious about retention, resilience, and long-term value creation, Smirk offers a future-proof solution that aligns worker wellbeing with enterprise performance.
The advent of solutions like Smirk provides a strategic advantage for organizations seeking to offer comprehensive health benefits to their part-time staff. It represents a significant step forward in meeting employee demand while streamlining the administrative burden often associated with traditional plans, a valuable consideration for the right use case.
As a Board Director, Former Chief Human Resource Officer and CPA, I evaluate solutions through strategic, human capital and financial lenses. Smirk’s benefits infrastructure delivers measurable ROI while solving one of corporate America’s most pressing challenges, how to support today’s dynamic workforce.
Companies with large numbers of part-time and seasonal employees are consistently searching for solutions to attract the best quality candidates and extend their tenure with the company. Winning demands solutions that are simple to use and easy to deploy. Smirk’s unique platform and portable benefits offering provide employees real value while reducing administrative lift for the business. This drives both efficiency and strengthens workforce stability.
Smirk is reimagining health benefits around the realities of today’s workforce, making them more accessible, personalized, and easier for people to understand and use. I’m excited to help advance a model that empowers people to make more confident healthcare decisions.
Throughout my career, I’ve focused on driving transformation through progressive people strategies, and benefits are a critical part of that equation. Workforces today are more diverse, and fluid than ever before, and benefits must keep pace. Smirk is delivering forward-looking solutions that make benefits more inclusive, portable, and aligned with the way people actually live and work, creating a real competitive advantage for organizations.
Today’s workforce expects flexibility, transparency, and value from their rewards experience. Smirk’s AI-powered wallet delivers on all three, empowering employees with smart, personalized choices while giving employers the insights they need to lead with confidence. It’s a modern solution for a modern Total Rewards strategy.
Smirk Health’s AI-powered platform delivers portable benefits to gig workers, part-time employees, and the underemployed, helping employers reduce costs while extending coverage to workforce populations essential for growth and retention.
From leading HR on the continent of Africa to providing access to education and creating jobs for the homeless and justice impacted, being a solutions-focused and purpose-driven HR leader has been my life’s calling. I linked up with Smirk Health, first as a partner through my company, the R6 Collective, because the alignment was immediate. At R6, we help small businesses, civic organizations, and nonprofits access enterprise-level capabilities without the cost and complexity. Smirk is doing the same in the benefits space: providing access. The need is clear. The timing is right. And the solution is aligned with how the workforce is evolving, so I am honored to support the team in bringing it to market.
The workforce has seen evolutionary change over the last 100 years. AI will create revolutionary change in just the next few years. Yet the cornerstone of employee benefits, health and wellness, are built on a century’s old model. In order to meet the demands of the future workforce, and the needs of the future employee, there must be a step function change in benefits. Smirk Health is here to address that challenge head on by creating portable and affordable health, dental and vision care for all. Powered by AI and curated to the individual, Smirk Health’s vision will change the landscape of benefits for good.
The gig economy is a cornerstone of the modern workforce, yet the benefit needs of these workers remain largely unmet. Smirk addresses this gap by providing tailored benefit solutions for this tech-enabled workforce. Utilizing AI guidance and transparent pricing, they offer next-generation solutions for the next-generation workforce.
Smirk is forward-thinking in the way it addresses the challenges of today’s workforce and the future of benefits, building a model that is more human, personalized, and aligned to how people actually live and work.
Smirk is solving one of the biggest challenges in healthcare, providing affordable coverage for medical, dental and other benefits for working people who do not qualify for traditional, employer sponsored insurance and can’t afford ACA plan premiums. And Smirk is building these affordable benefits to deliver real value for their enrollees, by helping enrollees find and access affordable care, and providing flexible benefit options that enable enrollees to tailor their benefits to their needs and take them with them even if they change employers.
The workforce is evolving faster than traditional systems can keep up, and Smirk is building the new infrastructure layer for health benefits; bespoke, portable, preventive-first, and designed for how people actually live and work today.
The benefits system in this country was built for a workforce that barely exists anymore. Most startups in this industry get stopped before they can even start because of the regulatory complexity. We’re proud to have invested in Smirk and to work alongside Felix and his team as they disrupt the status quo and get people the care they need.
As work shifts toward independent and gig-based models, traditional employer-sponsored benefits are becoming obsolete. Companies are moving to flexible, packaged platforms that match how people work today. Smirk leads this shift with a scalable, AI-driven platform that delivers choice, portability, and affordability, redefining access and value for the modern workforce.
Give your workers greater clarity, control and confidence over their health.
Workers get benefits they can actually understand, build and use, so they act on their health with confidence instead of guessing at what is covered.
For workers
For employers
Built around the worker, not the job.
Smirk Mobile Health Benefits are individually owned and designed to provide continuity as hours, roles and employment circumstances change.
Worker Joins Smirk
Workers build benefits that fit their needs and budget.
Stay Protected Through Change
Benefits remain with the worker as work or life circumstances change.
Benefits Stay With the Worker
If employment or eligibility ends, workers can continue directly with Smirk without ongoing employer contribution or administration.
Bring Mobile Health Benefits to Your Workforce.
Set eligibility, decide what you contribute, and give your workforce benefits that move with them. We handle the rest.