Noyo logo

Noyo

Challenger

Noyo is an API platform connecting benefits software, insurance carriers, and employers to enable real-time enrollment data synchronization; raised $44M Series B in 2022; serves major carriers and leading HR/benefits platforms;

Best for: Benefits Data Connectivity & Insurance API Infrastructure
Insurance & RiskBenefits Data Connectivity & Insurance API InfrastructureWebsiteUpdated May 2026

Company Overview

About Noyo

Noyo is a San Francisco-based technology company founded in 2017 by Shannon Goggin and Dennis Lee. It operates as the data connectivity layer for the employee benefits industry — a sector historically dependent on error-prone, batch-based EDI (Electronic Data Interchange) file transfers between HR platforms, benefits brokers, and insurance carriers. Noyo replaces these legacy data pipelines with a modern API layer that enables real-time, bidirectional synchronization of enrollment, eligibility, and member data across the benefits ecosystem.

Business Model & Competitive Advantage

Insurance carriers and benefits administration platforms connect to Noyo's API once, gaining a single integration that routes data accurately and instantly to any connected partner — regardless of the counterparty's legacy system. For HR and benefits software companies, this means avoiding dozens of custom carrier integrations; for carriers, it means receiving clean, structured enrollment data in real time rather than processing large batch files that often arrive with formatting errors, duplicates, and reconciliation challenges. Noyo's platform also handles the complex rules logic of benefits eligibility — including qualifying life events, dependent verification, and COBRA — as part of its data processing.

Competitive Landscape 2025–2026

Noyo raised a $44M Series B in 2022, bringing total funding to approximately $60M, with investors including Andreessen Horowitz, Spark Capital, and others. The company's customer base includes major insurance carriers and a growing roster of benefits technology platforms. Noyo sits at the infrastructure layer of the $1T+ US employee benefits market and positions itself as the "Stripe for benefits" — enabling the next generation of digital benefits products by solving the hardest data plumbing challenges in the industry.

Founded
2017
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Key Differentiators

Strong Challenger

Noyo is an established challenger with significant market presence and competitive offerings in Insurance & Risk.

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