Gusto Health Benefits is the benefits arm of Gusto, the payroll and HR platform used by 300,000+ small businesses. Instead of running benefits through a separate broker and spreadsheet, HVAC owners using Gusto for payroll can shop medical, dental, and vision plans inside the same dashboard they already use to run checks and onboard new techs.
Gusto acts as the licensed broker in states where it operates (roughly 39 states as of 2026) or lets owners bring their own broker into the Gusto platform for a per-employee-per-month admin fee.
The practical appeal is unified administration: new technician hires enroll in payroll and benefits in one flow, deductions sync automatically each pay run, ACA and state filings are generated by Gusto.