Best Gusto Benefits Alternatives in 2026

Why teams look beyond Gusto Benefits

Gusto Benefits is convenient if you are already on Gusto payroll, but it is not the strongest benefits platform in isolation. The carrier options are limited compared to a traditional broker relationship, and you cannot bring your existing broker if you want to use Gusto for benefits administration.

For teams that want to keep their broker relationship or need access to carriers outside Gusto's network, the convenience of keeping everything in one platform is not worth the tradeoff. Teams in states where Gusto has limited carrier presence particularly feel this constraint.

Cost is another factor. Gusto does not publish benefits administration pricing separately, and the fully-insured premiums through Gusto can be higher than what a good broker negotiates directly with carriers for larger groups.

Justworks: best for PEO benefits access

Justworks is a PEO (Professional Employer Organization) that co-employs your workers, giving your team access to large-group health insurance rates that a small business could not access on its own. The benefits selection is strong, and the admin experience is clean.

Pricing is around $59 to $99 per employee per month depending on plan tier, which is more than standalone benefits administration but often results in lower total cost when you factor in the premium savings on health insurance. Best for teams of 5 to 100 employees.

Employee Navigator: best for broker flexibility

Employee Navigator is a benefits administration platform used by over 3,000 benefits brokers. If you want to keep your existing broker but need software to handle enrollment, changes, and compliance, Employee Navigator is the most common solution. Many brokers offer it at no additional cost as part of their service.

It handles benefits enrollment, ACA compliance tracking, and carrier connections. The interface is functional rather than polished but it gets the administrative work done.

PeopleKeep: best for HRA and alternative benefits

If traditional group health insurance is too expensive for your team size, PeopleKeep specializes in Health Reimbursement Arrangements (HRAs), which let you reimburse employees for individual insurance premiums tax-free. ICHRA (Individual Coverage HRA) is particularly useful for remote teams where group coverage is impractical.

PeopleKeep starts at $35 per month plus $10 per employee for ICHRA administration. It is not a replacement for traditional group insurance but is a legitimate alternative for teams that cannot afford group coverage.

How to choose

If you want the simplest path for a team under 25: stay with Gusto Benefits unless your broker or carrier needs push you elsewhere. For teams where premium cost matters: get a quote from Justworks or TriNet to compare PEO-negotiated rates against your current premiums. If you have an existing broker relationship you want to keep: Employee Navigator or ask your broker what platform they support.

Frequently asked questions

Do I have to use Gusto Benefits if I use Gusto for payroll? No. You can use Gusto for payroll and a different tool or broker for benefits. Many teams do this, particularly if they already have a broker relationship.

What is the difference between a PEO and a benefits broker? A broker helps you select and purchase group insurance. A PEO like Justworks co-employs your team and provides benefits through their own group plan. PEOs handle more of the HR administration but you give up some control over your HR processes.

Can a company with 3 employees get group health insurance? Most states require a minimum of 2 eligible employees to qualify for group coverage. With 3 employees, you can get group coverage, though carrier options may be limited. A PEO like Justworks or TriNet is often easier for very small teams because they aggregate employees across many clients.