Insurf vs. Salusion.
Salusion is a New York-based HRA administration software company that administers ICHRAs and QSEHRAs for small businesses, positioned on price — in its own words, 'the lowest per-participant cost in the industry.'
Every Salusion fact on this page is from their own published pages as of August 28, 2026, quoted and linked. If something has changed, tell us and we will correct it the same week.
Where Salusion is strong.
A comparison you can trust has to be honest in both directions. These are real advantages, plainly stated.
The lowest published price in the category and no sales call needed to learn it: $14 per participant per month, with no setup costs, no minimums, and no platform fees stated right on the pricing page.
Self-serve speed: setup in about fifteen minutes, same-day expense verification, automated ACH reimbursements, and direct carrier payments for premium-only ICHRAs, by their own published commitments.
Concrete support promises most vendors won't put in writing: most emails answered in under an hour and same-day video calls with an HRA expert — plus built-in plan shopping through an eHealth integration and local marketplace brokers.
Pricing, as published.
Salusion
Published: $14 per participant per month for ICHRA and QSEHRA, with no setup costs, no minimum usage, and no platform fees (pricing page, August 28, 2026). Worth knowing: Salusion's own learning-center cost page still displayed $15 per participant per month the same day — the pricing page's $14 is the canonical number.
Source, August 28, 2026Insurf
A flat per-employee platform fee, quoted in writing before you sign — and the savings audit is free before any commitment. We never hold plan funds; reimbursements run through your own payroll.
How our numbers are computedAfter enrollment, in their own words.
The question that separates ICHRA platforms is not the enrollment flow — it is what the platform is still responsible for in March.
“You acknowledge and agree that Salusion is a health savings account platform. WE DO NOT PROVIDE MEDICAL ADVICE, DIAGNOSIS, OR TREATMENT, NOR ARE WE AN EMPLOYEE HEALTH OR WELFARE BENEFIT PLAN OR INSURANCE.”
That is the platform-scope disclaimer in Salusion's Terms of Service: software, not a benefit plan — a fair description of a $14 product. Their published denial-help content covers Salusion's own HRA expense-reimbursement denials (receipts, dates, eligibility — usually correctable and resubmittable, as their article says). We found no page promising help with insurance-carrier claim denials or carrier disputes as of August 28, 2026.
What Insurf does differently.
If the platform fee is the whole decision, Salusion's published $14 wins that contest — we will say so plainly. The audit measures the bigger numbers: the allowance you may be overfunding and each employee's plan-choice math, which our Georgia evidence puts at a median $548 a year against premium-sorted picking.
What the software computes. Salusion administers reimbursements efficiently; Insurf's engine computes twelve-month cost per person across 15,062 filed plan variants and publishes the methodology at /methodology/pricing.
When a carrier says no. Salusion's published denial content covers its own HRA expense denials; Insurf's denial support is a clinical appeals engine producing source-cited appeal packets for insurance-carrier denials.
Enrollment posture. Insurf enrollments are submitted by an individually licensed insurance producer, with each recommendation's arithmetic shown; Salusion routes employees to marketplace plans, an eHealth integration, and partner brokers.
The questions companies comparing us to Salusion ask.
How much does Salusion cost?
Their pricing page publishes $14 per participant per month for ICHRA and QSEHRA with no setup costs, minimums, or platform fees (as of August 28, 2026; their learning-center pages still showed $15 the same day). It is the lowest published price we compared.
Is Insurf cheaper than Salusion?
On the platform fee alone, probably not — and an honest comparison says so. The question the audit answers is what the fee buys: a computed allowance instead of a guessed one, each employee's whole-year plan math instead of a premium sort, enrollment submitted by a licensed producer, and a clinical appeals engine when a claim is denied. Run the free audit; if a $14 administrator plus your current process wins, that is the answer you will get.
Does Salusion help with denied insurance claims?
Their published denial article covers Salusion's own HRA expense-reimbursement denials — receipts, dates, eligibility, usually correctable — and their terms describe the platform as software, not a benefit plan. We found no published promise of help with insurance-carrier claim denials as of August 28, 2026. Insurf's denial support is a clinical appeals engine producing source-cited appeal packets.
The fairest comparison is your own roster.
Competitor names and marks belong to their owners; Insurf is not affiliated with or endorsed by Salusion. Competitor facts reflect their published pages as of August 28, 2026 and may have changed — corrections are welcome and made promptly. Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational comparison — not an offer of coverage, not a recommendation to buy or drop any plan, and not financial, tax, legal, medical, coverage, or insurance advice. Projections are labeled and are not guarantees.