Health In Tech, Inc. · NASDAQ:HIT
Health In Tech — Q1 2026 Earnings Presentation
23 slides from Health In Tech's earnings presentation, May 2026
Slide 1: An AI-Powered Marketplace Platform Helping SMBs Access Better Self-Funded Health Plans
An AI-Powered Marketplace Platform Helping SMBs Access Better Self-Funded Health Plans
Slide 2: Disclaimer & Safe Harbor
Disclaimer & Safe Harbor This presentation has been prepared by the Health In Tech, Inc. (the “Company,” “Health In Tech,” “HIT,” “we,” “our,” or “us”) solely for informational purposes. The information included herein in this presentation has not been independently verified. No representations, war
Slide 3: Health In Tech – Disrupting Healthcare Insurance Market
Health In Tech – Disrupting Healthcare Insurance Market Revenue HIT Helps Small & Medium Size Businesses (“SMBs”) Access Cheaper Healthcare Faster Through Revenue ($M’s) (3) its Proprietary Product Suite Operates in Massive Under-Penetrated Market(1) Proven, Scalable, Profitable, High Growth Busines
Slide 4: Business Overview
hi+ Business Overview
Slide 5: Problem: Access to Self-Funded Healthcare Plans
Problem: Access to Self-Funded Healthcare Plans Self-funded plans provide material benefits vs. fully insured plans. Complexity of successfully implementing self- funded plans has impacted market penetration, especially for small businesses with limited resources. Businesses want the cost and flexib
Slide 6: AI Powered Platform Enables Self-Funded Plan Penetration
AI Powered Platform Enables Self-Funded Plan Penetration Health In Tech makes self-funded health insurance more accessible by integrating health plan administration and stop loss underwriting into one unified platform 6
Slide 7: Tailored Coverage Starts with SMR: Intelligent Plan Design
Tailored Coverage Starts with SMR: Intelligent Plan Design Plan Design & Underwriting & Provider Network Customization Risk Assessment Integration Hea As lt Manages relationship with brokers, third-party TP Net hcar wo e administrators (“TPAs”), and other vendors to rks create uniquely tailored cost
Slide 8: Bundle Self-Funded Health Plan + Stop-Loss Insurance
Bundle Self-Funded Health Plan + Stop-Loss Insurance Plan Design & Underwriting & Provider Network Customization Risk Assessment Integration Package Nurse Bindable Creation Review Proposal eDIYBS is a proprietary software offering which allows brokers to access bindable self- Legacy funded plan quot
Slide 9: Nationwide Coverage Powered by HI Performance Network
Nationwide Coverage Powered by HI Performance Network Plan Design & Underwriting & Provider Network Customization Risk Assessment Integration Nationwide reach with direct Medicare – based contracts across 50 states (1) Medicare-based pricing drives 20%+ average cost savings vs. traditional commercia
Slide 10: How HIT Makes Money Today
How HIT Makes Money Today Health In Tech makes self-funded health insurance more accessible by integrating health plan administration and stop loss underwriting into one unified platform Self-funded Stop Loss Insurance Program for Employers (12-month term) = Stop Loss Insurance + Self-funded Healthc
Slide 11: HIT By The Numbers
HIT By The Numbers As of March 31, 2026 38 507 896 $ $82.0M $ $22.9M States with Clients Business Clients Brokers, Agencies Platform Placed Plan Contracted Revenue(2) and TPAs Value(1) as of Q1 2026 Remaining 3Q 2026 Revenue Adj. EBITDA(3) 2026 Revenue Guidance(4) Q1 2026 $8.8M $(1.3)M +9% YoY N/A $
Slide 12: What Health In Tech is NOT
What Health In Tech is NOT A Risk-Bearing Insurer or Carrier (HIT does not hold any plan risk) Exposed to Catastrophic Losses An Entity with Underwriting Risk (Stone Mountain Risk models & delivers stop- HIT has NO Plan Risk Exposure (eDIYBS generates quotes/binds; carriers & loss protection; HIT en
Slide 13: HIT is Powering and Accelerating AI Disruption
HIT is Powering and Accelerating AI Disruption HIT is a marketplace platform uniting an ecosystem of vendors Distribution and marketplace capabilities insulate HIT from single-vendor AI disruption HIT is the platform disruptors use to access the marketplace and deliver growth The Health In Tech mark
Slide 14: Multiple Pathways to Drive Outsized Growth
Multiple Pathways to Drive Outsized Growth More Brokers 1 HIT in-house sales team is focused on increasing awareness and driving broker count in 2026 and beyond More Managing General Underwriters (“MGUs”) & Carriers 2 Driving MGUs onto the HIT platform to leverage AI-enabled underwriting feature Mor
Slide 15: Financials & Conclusion
hi+ Financials & Conclusion
Slide 16: Annual Financial Highlights and 2026 Revenue Guidance
Annual Financial Highlights and 2026 Revenue Guidance Total Revenues ($ in millions) $50.0 +35% to +50% +71% $45.0 $33.3 $19.5 (2) 2024 2025 2026E Adjusted EBITDA (1) ($ in millions) +81% $4.1 $2.3 TBD (2) 2024 2025 2026E (1) Please refer to Appendix Slide 23 of this presentation for a reconciliatio
Slide 17: First Quarter 2026 Financial Highlights
First Quarter 2026 Financial Highlights Total Revenues Adjusted EBITDA(1) ($ in millions) ($ in millions) +9% $1.2 $8.8 $8.0 -$1.3 1Q'25 1Q'26 1Q'25 1Q'26 Throughout 2026, we intend to deliberately spend on growth initiatives, including sales and marketing, to drive top-line growth and operating lev
Slide 18: Business Metrics
Business Metrics (As of March 31, 2026, unless otherwise denoted) Brokers, TPAs and Agencies Contracted Revenue(1) Platform Placed Plan Value(2) ($ in millions) ($ in millions) +29% 896 $82.0 $22.9 692 $8.8 3/31/25 3/31/26 1Q '26 Actual 2Q-4Q '26 Contracted 1Q'26 Revenue Revenue (1) Contracted Reven
Slide 19: Conclusions
Conclusions Revenue Platform removes complexity and provides novel AI-powered products and solutions Revenue ($M’s) (2) Operating in massive, underserved market based on legacy structures Proven business model poised to drive outsized growth No plan risk or underwriting risk exposure Highly aligned
Slide 20: Appendix
III Appendix
Slide 21: Financial Results
Financial Results Three Months Ended 3/31 Fiscal Year Ended 12/31 (In millions) 2026 2025 2025 2024 Total Revenue $8.8 $8.0 $33.3 $19.5 Gross Profit $4.5 $5.4 $20.9 $15.4 Gross Margin Percent 51.4% 66.8% 62.8% 79.2% Total Operating Expenses $6.7 $4.9 $19.4 $14.4 Net Income (Loss) $(1.6) $0.5 $1.3 $0
Slide 22: Balance Sheet Highlights
Balance Sheet Highlights Cash and Cash Equivalents Working Capital Stockholders’ Equity ($ in millions) ($ in millions) ($ in millions) $10.3 $15.0 $21.6 $7.6 $7.7 $11.0 $14.2 $17.1 $8.8 3/31/25 12/31/25 3/31/26 3/31/25 12/31/25 3/31/26 3/31/25 12/31/25 3/31/26 22
Slide 23: GAAP To Non-GAAP Reconciliation – Adjusted EBITDA
GAAP To Non-GAAP Reconciliation – Adjusted EBITDA(1) Three Months Ended Fiscal Year Ended March 31, December 31, (in dollars) 2026 2025 2025 2024 Net income (loss) (1,588,281) 498,592 1,278,842 670,477 Interest (income) expense (67,471) (85,366) (409,922) 372,115 Amortization expense 403,467 135,983