We came to health insurance with new eyes

Kingsfoil Health started in 2024, from outside the insurance industry rather than inside it. Looking closely at how employers actually buy coverage, one thing stood out above everything else: almost nobody is being shown their options.

Why we started

Kingsfoil Health was born from a desire to save businesses from our chaotic health insurance ecosystem. Our founder ran The Startup Stack for 5 years, connecting many thousands of founders with critical resources. Company after company was uninsured or underinsured, and no brokers seemed to care.

We started in 2024 with a fresh perspective on an old, tired industry. Most brokers are happy to collect their big commissions, maintaining status quo plans from the big health insurance carriers (the BUCAs of the world). We noticed two critical things: almost every employer has a fully funded plan, and almost none of them have been shown any other option. There are many other ways to structure plans, and those alternative structures are typically where the savings are when a renewal comes back with a big increase.

We're here to overhaul your company's benefits and HR experience. We're bringing the same proactive service that The Startup Stack was famous for but to your benefits experience. Every year, we will test all available options so that you know you're on the best fit for your company. We're based in Utah, serving the companies and communities we're part of.

Team collaborating at a table with notebooks and warm natural light

Jonathan Engle, founder of Kingsfoil Health, standing in a red rock canyon in southern Utah

Moving beyond fully funded plans will transform American healthcare

I entered health insurance with a founder mindset. I saw industry insiders want to maintain the status quo, and that means huge renewal increases and feeling trapped.

Almost every company is on a fully funded plan, and very few have ever been walked through anything else. These alternatives are well-established. PEOs were at war with brokers for decades, but now they want to partner with the industry that long hated them. Most brokers still won't seriously discuss a PEO as an option for your business. ICHRAs are a great way to control costs while creating a great personalized buying experience for your employees. And of course many companies are ready for self-funded, level-funded, and other similar plan types which offer control and often a white glove experience.

If every company in America got a complete, honest review of its health plan every year, healthcare in this country would be in far better shape. I'm here to show you what you're missing out on and earn your business every day.

I grew up in Provo and still live in Utah with my wife and kids. These are the companies and communities we're part of, and they're who we built this for.

Jonathan Engle

Founder, Kingsfoil Health

Our mission

Restore dignity to American healthcare through compassion and modernization

We can't fix the healthcare system from the top down. But we can help businesses and their people navigate it smarter, get a better experience, and build something more financially sustainable. One company at a time.

Our vision

Become the most trusted brand in the health ecosystem

Through enduring advocacy for care recipients, solving one problem at a time. Trust isn't claimed. It's earned through consistently showing up with clarity, transparency, and care.

We serve with H.E.A.R.T.

Five values that change how we actually operate, not just what we put on a wall.

Honor

We disclose our commissions upfront. Every dollar, every incentive, in writing, before you sign anything. The Consolidated Appropriations Act requires it. We'd do it anyway.

Excellence

We use concierge tools, not call centers. Your employees get real human guidance navigating care. Not a phone tree. Not a chatbot. A person who knows their name.

Accountability

We share your claims data with you. Year-over-year performance tracking, transparent reporting, and honest assessments of what's working and what isn't. No black boxes.

Respect

We treat your benefits budget like our own money. Every recommendation starts with what's right for your company and your people. We'll tell you if staying on your current plan is the best option.

Trust

We're a year-round partner, not a once-a-year salesperson. Proactive check-ins, claims monitoring, and renewal strategy that starts months before your renewal date. You'll never wonder if we're paying attention.

Built with the right partners

We partner with industry-leading providers to deliver modern benefits infrastructure. The outcomes matter more than the names, but here's who we work with.

See all partners

Let's talk about what's possible

We'd love to hear about your company and what you're working through. No pitch, just a conversation.

Talk to Us