Health In Tech, Inc. Announces Record 2025 Results and Sets Aggressive 2026 Growth Targets

Key Financial Highlights

• Full-Year 2025 Revenue: \$33.3 million, up 71% year-over-year
• Adjusted EBITDA: \$4.1 million for 2025, up 81% YoY
• Net Income: \$1.3 million, up 91% YoY
• Q4 2025 Performance: Revenue of \$7.5 million (up 53% YoY), Adjusted EBITDA of \$0.3 million, Q4 net loss of \$0.3 million
• Billed Enrolled Employees: 22,515 as of December 31, 2025, up 23% YoY
• Distribution Network: Expanded to 858 partners (Brokers, TPAs, Agencies), up 34% YoY
• Cash Balance: \$7.7 million at year-end 2025

2026 Revenue Outlook

Health In Tech projects full-year 2026 revenues between \$45 million and \$50 million, representing a robust YoY growth of 35% to 50%. This guidance is based on strong demand for the AI-enabled underwriting marketplace, especially within the self-funded health insurance segment, and the successful rollout of new features. The company cautions that actual results may vary due to market risks and uncertainties.

Operational and Strategic Highlights

• Rapid Feature Deployment: Unlike traditional insurers, Health In Tech’s AI-driven platform allows new capabilities to be developed and deployed within 1-2 quarters—much faster than the industry norm of 1-2 years. This speed is a significant competitive advantage, enabling quick responses to broker and client demands, continuous enhancements, and scalable growth.
• Marketplace Expansion: The company continues to expand its integrated model, adding claims administration and cost-containment solutions to its platform.
• Specialized Stop-Loss Programs: Over 100 pre-configured, customized stop-loss programs were launched in January 2026, tailored at the broker-agency level. This structure allows agencies to rapidly align standardized offerings with target employer segments, delivering execution-ready solutions with increased speed, consistency, and efficiency. The result: shorter sales cycles, improved conversion visibility, and scalable distribution leverage.
• Three-Year Rate Stabilization Program: Market testing of a new program designed to provide cost stability and predictability for eligible employer groups is underway and expected to be completed in the first half of 2026.
• Data-Driven Beta Launch: Beta testing is planned for a solution that integrates physiological and claims data to generate actionable value insights for employers.

Key Personnel and Partnerships

• Technology Acceleration: Engaged AWS Advanced Tier Services Partner Ciklum to speed development of the AI-driven platform.
• Leadership Appointments:
  • Former SAP and IBM executive Sri Rajagopalan appointed as Chief Technology Officer.
  • Five-time founder Zain Hasan appointed as Chief Growth Officer to drive revenue and scale distribution.
• Industry Visibility: Hosted inaugural hitDavos InsurTech Summit during World Economic Forum Week 2026, enhancing brand visibility and global leadership engagement.

Financial Statements Overview

• Consolidated Statement of Operations:
  • 2025 Revenue from underwriting modeling: \$6.86 million (vs. \$6.65 million in 2024)
  • 2025 Revenue from fees: \$26.46 million (vs. \$12.84 million in 2024)
  • 2025 Gross Profit: \$20.94 million (vs. \$15.44 million in 2024)
  • 2025 Operating Expenses: \$19.41 million (vs. \$14.45 million in 2024)
• Balance Sheet:
  • 2025 Total Assets: \$23.09 million (vs. \$15.77 million in 2024)
  • 2025 Total Liabilities: \$5.98 million (vs. \$2.60 million in 2024)
  • 2025 Total Stockholders’ Equity: \$17.11 million (vs. \$13.17 million in 2024)
• Cash Flow:
  • Net cash provided by operating activities in 2025: \$3.13 million (vs. \$2.18 million in 2024)
  • Net cash used in investing activities in 2025: \$(3.13) million
  • Net cash used in financing activities in 2025: \$(0.19) million
• Adjusted EBITDA (Non-GAAP):
  • 2025: \$4.11 million (vs. \$2.27 million in 2024)
  • Q4 2025: \$0.32 million (vs. \$0.46 million in Q4 2024)

Shareholder and Price-Sensitive Information

• Exceptional Growth: The 71% revenue growth, 81% adjusted EBITDA growth, and 91% net income growth for 2025 are significant and may positively impact share values, signaling strong operational execution and market demand.
• 2026 Outlook: The aggressive 2026 revenue guidance, if met or exceeded, can be a substantial catalyst for share price appreciation.
• Distribution and Product Expansion: Rapid scaling of distribution partners and new product launches (100+ stop-loss programs, rate stabilization, data-driven solutions) can drive further market penetration and revenue.
• Leadership Hires: New CTO and Chief Growth Officer with industry pedigrees, plus partnership with AWS/Ciklum, may accelerate technology and market growth—potentially price-moving.
• Platform Scalability: Ability to rapidly deploy new features (within quarters vs. years) is a competitive advantage that could position Health In Tech as a disruptive leader in InsurTech.

Conference Call Details

Health In Tech will host a conference call to discuss these results on March 25, 2026, at 5:00 p.m. ET. Investors can dial in or access the webcast via the company’s website. Replay will be available for 90 days.

About Health In Tech

Health In Tech, Inc. (Nasdaq: HIT) is an AI-enabled InsurTech platform company streamlining processes in the health insurance industry through vertical integration, process simplification, and automation. The platform serves as a marketplace for brokers, TPAs, MGUs, and carriers, offering customized self-funded health plans, bindable stop-loss quotes, AI-enabled underwriting, claims administration, and reporting integration.

Disclaimer

This article contains forward-looking statements and projections based on Health In Tech’s press release and financial filings. Actual results may differ materially due to risks and uncertainties. Readers should not rely solely on these statements for investment decisions. Please consult official filings, financial advisors, and perform independent research before investing. This article is for informational purposes only and does not constitute investment advice or a solicitation to buy or sell securities.

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