Health in Tech (HIT) is an AI-enabled insurance technology platform that helps employers access self-funded health benefits plans and stop-loss insurance. Self-funded plans let employers pay employee medical claims directly rather than paying fixed premiums to a traditional insurer — a structure that can be cheaper for employers with healthy workforces, but historically was too complex and slow to set up for anyone outside large corporations. HIT's core product is its eDIYBS platform, which allows licensed brokers to upload an employee census, run AI-backed medical underwriting, and receive a fully bindable health plan proposal in about two minutes for small employers and two weeks for larger ones — compressing what traditionally takes weeks to months. HIT operates through two main subsidiaries: Stone Mountain Risk, which acts as a program manager and earns a per-employee-per-month fee for plan design and network services, and International Captive Exchange, which acts as a managing general underwriter and earns a fee of 12–13% of stop-loss premium on behalf of carriers. HIT does not take on insurance risk itself. Brokers access the platform for free, design plans, and sell them to employer clients, while third-party administrators handle plan administration. Revenue is contractually recurring over 12-month policy terms, creating a subscription-like revenue profile. HIT scales primarily by expanding its broker and TPA distribution network, and is moving upmarket to serve larger employers.