Atlas
The broker operating system — the book of business, renewals, and commissions every other module turns on around.
The technology behind Velora
One coordinator.
One coordinator.
A coordinated stack.
Velora coordinates self-funded health end to end — and the technology is how it holds together. Not one monolith and not a drawer of disconnected tools, but a set of purpose-built products that share one data spine: the broker's book, the benefits enrollment, the carrier connections, the rate data, and the people systems underneath.
Built in-house. Coordinated by design.
The ecosystem
Separate products. One coordinated spine.
Self-funded health touches a long chain — the broker's book, the renewal, the commissions, the benefits enrollment, the carrier files, the rate data, and the HR systems underneath. Velora builds a product for each link, then coordinates them so the data flows through instead of getting re-keyed at every handoff. Atlas is the operating system the rest plug into.
Ben
AI benefits administration — voice-guided enrollment, plan decision support, and EDI filing to carriers.
Velora EDI
The enrollment layer, translated — an AI clearinghouse that maps, transmits, and reconciles carrier files.
Velora Intelligence
Rate transparency for self-funded health — the rate-data layer behind underwriting and fiduciary decisions.
HelloHR
An AI-powered HRIS — people, payroll, benefits, recruiting, and compliance, with a native voice coach.
Velora Quoting
The quoting portal that turns a submission into a finished, transparent self-funded proposal.
Atlas · the spine
The broker operating system.
Atlas is the operating system for benefit-insurance agencies — a broker-native CRM with renewals, policies, and commissions built in, then seven modules that turn on per client when an agency needs them. Companies, contacts, deals, policies, plan years, renewal dates, funding types, and carrier relationships are native objects, not fields bolted onto a generic CRM.
- A CRM that already models the broker's world — funding types, carriers, plan years, SIC codes.
- Renewals auto-surface at T-90, with tasks and carrier outreach queued on each plan year's cadence.
- The whole book in one view, and a documents library you can query in plain language with sources cited.
- Modules turn on per client — Ben Admin, HRIS, EDI, Network, Marketing, Commissions, and Billing Reconciliation.
Built for benefit-brokerage agencies, with the modules sharing the same data so the book, the renewal, and the commission all live in one place. Atlas is in active pilot.
Ben · benefits administration
AI-powered enrollment they'll actually understand.
Ben is the AI benefits counselor behind Atlas's Ben Admin module — and a product in its own right. It walks employees through every decision by voice or chat, recommends a plan, makes the elections on screen, and files the result to carriers. Built for HR teams and the brokers who serve them, with employees at the center of the experience.
A voice counselor, not a chatbot
Ben explains terms, answers questions, compares plans, and makes the elections on screen — real conversation that educates as it goes, in English or Spanish.
PlanMatch & CostLens
PlanMatch runs 1,000 Monte Carlo simulations per plan using health data, family size, and cost preferences; CostLens predicts individual costs from real claims, not brochure numbers.
From document to enrollment
Drop SBCs, rate sheets, or census files; AI builds the plan with confidence scores, employees enroll, and a compliant EDI 834 file is generated and transmitted to carriers.
Billing reconciliation
Ben catches carrier-invoice errors automatically, so the bill that arrives matches the enrollment that actually happened.
A living agent
Every enrollment teaches Ben something new — patterns are extracted nightly and lessons promoted across the platform, so the next open enrollment runs faster than the last.
Built for every side
Employees get a voice counselor and decision support; HR teams get plan setup, billing, and compliance automation; brokers get a white-label benefits portal for their book.
Velora EDI · connectivity
Enrollment data, translated.
Velora EDI is the connective tissue between the systems that manage employees and the carriers who cover them. Send it whatever shape your data is in; AI renders it, contract-tests it, transmits it, and reconciles the acknowledgment — an AI-powered clearinghouse for the employee benefits industry, built so neither side needs an integration engineer.
One integration, every carrier
Every other EDI vendor makes you chase each carrier; Velora EDI inverts it. Carriers self-onboard through the portal, brokers write one integration, and the routing happens in between.
- Carriers self-serve onboard: upload a companion guide, pass three sandbox tests, go live
- AI maps any record shape from any platform and contract-tests it before live data runs
- Built for carriers, brokers, TPAs, and platforms alike — multi-tenant routing, one dashboard
Every X12 5010 transaction
One pipeline for the whole enrollment-and-claims surface — generated, signed, transmitted, and acknowledged, with the errors surfaced at segment level.
- 834 enrollment with TA1 + 999 acknowledgment, plus 820 premium and 835 remittance
- 270·271 eligibility, 276·277 status, and 837 professional, institutional & dental claims
- An AI companion-guide parser that reads carrier PDF guides into validation rules
Built for trust AES-256-GCM encryption on every PHI field, TLS 1.2+ in transit, PGP-wrapped SFTP transport, and a hash-chained, tamper-evident audit log on every admin action and PHI access — with a BAA included on every paid plan. 40 carrier profiles are pre-mapped today.
Velora Intelligence · rate data
Rate transparency for self-funded health.
Velora Intelligence is the rate-data layer for stop-loss underwriting and fiduciary TPAs — the rate layer that underwriters and plan sponsors can actually audit. It ingests the machine-readable files every carrier publishes, enriches and indexes them, and translates them into underwriting and fiduciary decisions, powering the Network module inside Atlas.
- Ingests MRF rate files, NPPES providers, NADAC drug prices, and hospital chargemasters — no self-report, no summaries.
- For underwriting: network rate-depth profiles, claims repricing, stop-loss attachment modeling, and fiduciary scorecards.
- For plans: peer benchmarks, a carrier discount leaderboard, multi-network repricing, and an email-ready instant audit.
- HIPAA-tokenized from ingest to query, with a continuously updated pipeline.
Two tracks, one data layer: pick the role — underwriting or plans — and the underlying evidence is the same.
HelloHR · people systems
The HRIS built for employers. Powered by AI.
HelloHR is an AI-powered HR platform — people, payroll, benefits, recruiting, and compliance in one place, with a native voice coach that walks employees through onboarding and HR tasks conversationally. It's the people-systems layer of the Velora stack, sold direct to employers and through a wholesale channel, and the HRIS module inside Atlas.
AI voice onboarding
Employees complete W-4, I-9, direct deposit, and handbook acknowledgments through natural conversation — the voice coach fills the fields by listening, available 24/7 in English and Spanish.
Applicant tracking
Visual Kanban boards, AI-powered resume screening, interview scheduling, and offer management in one hiring pipeline.
Payroll integration
Connect to 200+ payroll providers via Finch, with real-time salary, deduction, and tax sync — no double entry.
Benefits administration
Side-by-side plan comparison and AI enrollment guidance, with an EDI clearinghouse for carrier connections — Ben plugs directly in.
Compliance engine
Automated deadline tracking for ACA, COBRA, ERISA, and state mandates, so a filing never slips.
Performance & goals
360-degree reviews, OKR tracking, and AI-generated performance summaries managers actually use.
SOC 2 and HIPAA-conscious by design, with a white-label option for channel partners.
Velora Quoting · the proposal engine
Submission in. Coordinated proposal out.
The quoting portal is where a case becomes a program. A broker or a Velora team member submits a group, the census is normalized from whatever format it arrives in, and the case is priced through the Velora engine into a finished, transparent self-funded proposal — Level-Funded or Risk Pool. It's the front door to everything else in the stack.
- One intake handles any census shape — xlsx, CSV, PDF, scan, or carrier bill — with a human confirm step.
- Broker submissions stage and queue for internal review — no rates shown to brokers, no auto-quoting.
- The engine builds a client-ready proposal with the economics shown, then tracks the case through delivery.
- Renewals re-surface on their own ahead of the window, so the program stays ahead of the date.
"The point was never to build a tool. It was to make every piece of self-funded health move as one."
Get started
One coordinated stack. One conversation.
Whether you want the whole coordinated program or a single product in the stack, it starts the same way — tell us about your group or your book and we'll set you up with access.