Keel/Compare/Keel vs. Nayya
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Keel vs. NayyaNayya is a layer. Keel is the platform.

Keel is standalone: it guides the employee, captures the election, and exports the file. Nayya recommends plans from inside a partner ben-admin. Only one of them is yours to deploy.

✓ Every claim sourced and checked, July 2026.

See Keel enroll a group Jump to the comparison
Reach for Keel when

You want to own enrollment end to end: deploy it yourself, white-labeled, capture the elections, and export to your ben admin. No admin partner to adopt first.

Reach for Nayya when

You want the richest claims-powered plan recommendation layered onto an admin platform you already run, often carrier-subsidized at little or no cost to the employer.

At a glance

Side by side

Every Nayya claim below is sourced (citations at the bottom). Keel rows describe what is live today. Where Nayya is genuinely stronger, we say so.

Dimension Keel Nayya
What it isStandalone benefits platform: enrollment, questions, COBRA, complianceDecision-support layer embedded in a partner ben-admin
Runs on its own✓ Broker deploys directly, white-labeled~ Rides inside a partner admin (e.g. Selerix BenSelect)
Recommendation inputsSelf-reported usage and preferences no claims data, by design✓ 3B+ data points, including 190M rows of claims
AI guidance format✓ Amanda, conversational, multi-channelRoughly 10-minute guided survey plus Slack, Teams, iMessage nudges
Captures core elections✓ System of record; produces the ben-admin export bundle✕ Election system of record is the partner ben-admin, not Nayya
Agentic actionsGuides and captures the full electionSuperAgent: consent-based wellness-enroll plus auto-appeal of denied claims GA 2026; not core benefit elections
Live video, voice agent✓ Video avatar, voice, SMS, email, chat✕ Survey plus workplace-chat nudges no publicly documented video or voice agent
Year-round engagement✓ Amanda + Concierge, all year✓ Slack, Teams, iMessage nudges
Broker white-label and branded portals✓ Brand-scan a URL, get a per-client branded subdomain~ Carrier and admin-distributed
Transparent, auditable recs✓ Deterministic scoring plus compliance snapshots~ Claims-data model recommendation
Buyer and go-to-marketBuilt for brokers, white-labeled across your bookCarrier and ben-admin distribution (Guardian, Unum investors)
PricingPer employer, talk to KeelNot public; often carrier-subsidized, low-to-no employer cost

Swipe the table sideways to see both columns →

✓ built and live · ~ partial or dependent · ✕ not a capability. Nayya figures as of 2026. See sources.

The real difference

Who owns the enrollment?

Both put AI between the employee and a confusing plan menu. The difference is where they sit.

Nayya is a guidance layer. It plugs into an existing benefits-administration platform, fully embedded and integrated within a partner like Selerix BenSelect, and makes a personalized recommendation powered by an enormous claims data set. Then the partner admin records the actual election. Nayya's 2025 agentic push, SuperAgent, takes some real action on the employee's behalf, specifically consent-based wellness enrollment and auto-appealing denied claims, not capturing core medical, dental, or vision elections. The election system of record stays the underlying admin.

Keel is the enrollment platform. A broker deploys Keel directly, white-labeled, across their book. Amanda guides the employee across video, voice, SMS, and chat. Keel captures the full election, including roster, dependents, beneficiaries, and HSA and FSA, and produces the ben-admin export bundle the broker uploads. There's no separate admin platform Keel has to live inside. Advise, capture, export. That's why a broker can run Keel on its own.

“Nayya lives inside someone else's ben admin. Keel is yours to deploy.”

See it for yourself

Try the product, right here.

What owning the whole enrollment looks like. Click around it yourself.

Take the 90-second tour

A live, clickable walkthrough of Keel: profiles, enrollment, Amanda, and the broker book. Built for your phone.

Open the tour →

A live slice of the product with a fictional employer, Northwind Traders. Click the sidebar to move between surfaces. Full tour

Ask Amanda

Ask why. Get the math.

Nayya's engine draws on billions of data points. Keel's draws on the employee's own answers, and it will show its work.

Amanda
AmandaKeel's AI benefits guide
Why are you recommending the middle plan? The basic one is $40 cheaper a month.
Three reasons, and you can check my math. You told me you fill two prescriptions monthly, and the basic plan's drug coinsurance would cost you more than its premium saves. Your employer covers 80 percent of the middle plan. And you said surprise bills stress you out, so I weighted its lower out-of-pocket max.
show me the math
The basic plan saves $480 a year in premiums. Your prescriptions there would run about $61 more per month, or $732 a year. Net, the middle plan wins by roughly $250 before the extra out-of-pocket protection. Every factor I just used is logged with your recommendation.
Message Amanda…

An illustrative exchange. Keel's recommendation is deterministic: five factors, scored, logged for compliance. You can always ask why, and the answer is real. Meet Amanda

The questions buyers actually ask

?

Does Nayya capture the actual election, or just recommend?

Keel captures it; Nayya recommends and the partner records it

This is the cleanest structural difference, and it's worth stating precisely. Nayya is decision support embedded in a partner ben-admin, and the election system of record is that partner, not Nayya. Its 2025 SuperAgent adds agentic action, but consent-based wellness enrollment and claim-appeal automation, not core benefit elections. Keel is the system of record for the election itself and produces the export bundle. In Nayya's model that takes two platforms. In Keel's it takes one.

?

Which can a broker deploy on its own?

Keel, and it's the cleanest structural difference

Nayya is generally distributed through carriers and ben-admin partners and embeds inside that admin experience, which is great if you're already on a compatible platform and a dependency if you're not. Keel is standalone: a broker white-labels it, brands each client with a URL scan, and runs enrollment for their whole book without adopting a particular underlying admin.

?

Which recommends plans more accurately?

Nayya has a real advantage, and we won't pretend otherwise

Nayya connects individual data to 3B+ external data points including 190 million rows of claims, a richer signal for likely healthcare needs than Keel's self-reported usage bands. Keel chooses to recommend from the employee's own inputs and stay out of claims and PHI, which keeps its recommendation transparent and auditable, with deterministic scoring and every recommendation logged for compliance, but not claims-powered. If claims-driven modeling is the deciding factor, Nayya is built for exactly that.

When Nayya is the better choice

If claims-rich recommendation is the priority, and you're on a compatible admin.

If your priority is the most data-rich plan recommendation an employee can get, and you're already on, or happy to adopt, a ben-admin Nayya embeds into, Nayya's claims-powered engine is genuinely strong, and its carrier-subsidized distribution can put it in front of employees at little or no cost to the employer. That's a real advantage for the right setup, and we'll name it.

In practice

Forty groups, three ben admins, one experience

Picture a broker with 40 groups on mixed admin platforms

Twenty-five groups on Employee Navigator, ten on another admin, five on a carrier portal nobody loves. A normal book, in other words. It's also exactly where an embedded guidance layer gets stuck: it can only light up the groups whose underlying admin supports it, and moving the rest is a migration project nobody budgeted.

Keel deploys across all 40 on day one, because it doesn't live inside the admin; it feeds it. Each client gets a brand-scanned portal, every employee gets Amanda, and each group's elections come back as a bundle shaped for whichever admin that group already runs. No migrations, no waiting on a partnership roadmap.

Guidance you can only deploy where the admin allows it isn't really yours. For a broker, owning enrollment across your whole book means the experience is yours, not a feature of someone else's platform.

Who should choose which

A straight recommendation

Choose Keel if

  • You're a broker who wants to own the enrollment experience end to end.
  • You want to deploy it yourself, white-labeled, and capture the elections.
  • You don't want to adopt a particular underlying admin platform to get AI guidance.

Choose Nayya if

  • You want claims-powered decision support layered onto an admin platform you already run.
  • You're on, or happy to adopt, a ben-admin Nayya embeds into.
  • You like the carrier-subsidized distribution model.

Getting started

Week one with Keel

Standalone means exactly that: no admin partner to line up first.

Send the plan documents

SBCs and rate sheets go in; Keel turns them into a live, comparable plan catalog.

Scan your brand

Point Keel at the client's website and get a portal in their colors, on their own subdomain.

Load the census

Roster and current elections import in bulk, so day one starts from what is true today.

Open enrollment

Amanda invites every employee over web, video, text, and phone, in English or Spanish.

Export the bundle

Download the file shaped for each group's ben admin and upload it. Carriers and payroll flow like always.

Pricing

What each one costs

Keel
Priced per employer.
Talk to us for a quote scoped to your book. Get a demo
Nayya
Not public. Often carrier-subsidized, low-to-no cost to the employer in several channels.
Nayya is frequently distributed through carriers and ben-admins rather than directly licensed. Verify current terms with Nayya.

FAQ

Common questions

Does Nayya capture the actual enrollment, or just recommend a plan?
Nayya is primarily decision support embedded in a partner benefits-admin platform such as Selerix BenSelect, and the election system of record is generally that partner, not Nayya. Nayya's 2025 SuperAgent adds agentic action, but consent-based wellness enrollment and auto-appeal of denied claims, not core benefit elections.
Does Keel use claims data like Nayya?
No, by design. Keel recommends from the employee's own inputs and stays out of claims and PHI. That makes Keel's recommendations transparent and auditable, but not claims-powered. Nayya's claims-powered recommender is a genuine strength for modeling likely healthcare needs.
Can a broker run Keel without another admin platform?
Yes. Keel is standalone. A broker deploys it, white-labeled, and Keel produces the ben-admin export bundle. Nayya generally rides inside a partner admin, so it depends on the underlying platform.
What is Nayya's SuperAgent, exactly?
It's Nayya's 2025 agentic layer, from its Northstar acquisition, going GA in 2026. Publicly it performs consent-based wellness-benefit enrollment and automatically appeals denied claims on the employee's behalf. It does not, by Nayya's own description, execute core medical, dental, or vision elections or become the election system of record.
Does Nayya work without a ben admin underneath?
For enrollment, generally no. Nayya is distributed through carriers and ben-admin partners and embeds inside a partner platform such as Selerix BenSelect. Its guidance rides on the admin underneath, which is the structural difference from a standalone platform like Keel.
How much does Nayya cost?
Nayya doesn't publish pricing. In several channels it is carrier-subsidized, at low or no direct cost to the employer. Verify current terms with Nayya.

Keep comparing

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Nayya alternatives →

How we built this comparison

We read Nayya's public pages, pricing, and reviews, and checked every claim in July 2026. We re-check quarterly. Two rules: we only count features Keel has shipped, and when Nayya does something better, this page says so.

Sources and verification

  1. Nayya platform and decision support: nayya.com/platform
  2. Embedded in Selerix BenSelect ("fully embedded and integrated within"): Nayya and Selerix partnership announcement
  3. Claims data (3B+ data points, 190M rows of claims): Nayya customer story
  4. SuperAgent scope (wellness enrollment plus claim-appeal automation; Northstar acquisition, September 2025; GA 2026): Nayya announcement, PR Newswire
  5. Distribution and carrier subsidy (Guardian, Unum): guardianlife.com, Nayya
✓Competitor claims verified against public sources in July 2026. We describe SuperAgent's scope precisely and don't claim Nayya executes core elections. Re-verify quarterly.

Own the enrollment. Don't rent a layer inside someone else's admin.

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