Health In Tech, Inc. · NASDAQ:HIT
Health In Tech — Q3 2025 Earnings Presentation
20 slides from Health In Tech's earnings presentation, Nov 10, 2025
Slide 1: Health In Tech: Power Up Your Health Plan
health in tech ee: POWER UP YOUR HEALTH PLAN © e Nasdaq: HIT
Slide 2: Disclaimer
Disclaimer This Presentation has been prepared by the Company solely for informational purposes. The information included herein in this presentation has not been independently verified. No representations, warranties or undertakings, express or implied, are made by the Company or any of it’ s affil
Slide 3: Health In Tech is Changing Healthcare through Digital Innovation
Health In Tech is Changing Healthcare through Digital Innovation 3
Slide 4: Transforming Healthcare Benefits through Technology
Transforming Healthcare Benefits through Technology Complete wellness Who we are: • An insurance marketplace innovating the self-funded healthcare insurance market for the businesses (employers). • Powered by third-party AI, businesses can design their own healthcare plans and purchase the health in
Slide 5: Broker Customizes Self-funded Plans and Generates Bindable Quotes
On our Marketplace, Broker can Customize Self-funded Healthcare Plan for Employers and Generate Bindable Healthcare Insurance Quote Promptly HIT Marketplace Integrated AI Customization Underwriting Create Employer’s Bindable healthcare Healthcare plan insurance quote • Determine plan coverage • Inte
Slide 6: Tailored Coverage Starts with SMR: Intelligent Plan Design
Tailored Coverage Starts with SMR: Intelligent Plan Design for Small Employers Reference- Community based Health Plans Pricing hea lth ca s SMR TPA re vendors works with brokers, third-party administrators self-funded (TPAs), and healthcare vendors to create customized benefits health plans tailored
Slide 7: Proprietary eDIYBS: Power on Efficiency
Proprietary eDIYBS: Power on Efficiency 6. Brokers 4. Nurse present 2.Brokers create reviews health bindable insurance Typical applications proposal 1.Brokers package 5. Underwriters Quoting 3.Underwriters gather health produce finalize quote Procedure application proposal manual quotes ~ 12 days (1
Slide 8: HI Performance National Network Powers Affordable, Comprehensive Coverage
HI Performance National Network Powers Affordable, Comprehensive Coverage HI Performance Network offers Medicare- based reimbursement pricing, with direct Medicare contracts across: 50 States 7,380 Hospitals* 1,153,684 Provider Locations All numbers above are valued as of September 30, 2025. Hospita
Slide 9: Today's Healthcare Market Challenges for Small Business are Trends for Innovation
Today’s Healthcare Market Challenges for Small Business are Trends for Innovation COMPLEX LACK OF LIMITED ACCESS PROCESS TRANSPARENCY 9
Slide 10: 59 Million People are Employed by Small Businesses Contributing 44% of GDP
59 Million People are Employed by Small Businesses Contributing 44% of GDP All figures refer to small businesses Number (as of 2024) 99.9% 34.8 million of all U.S. firms Total Employees (as of 2024) 45.9% 59 million of private sector employees GDP Contribution Source: Forbes Advisor + Embed (in 2024
Slide 11: Healthcare Insurance Market is Massive $6.6T
Healthcare Insurance Market is Massive $6.6T A $6.6 Trillion Market Primed for Disruption Total Addressable Market $4.9T U.S. Healthcare Industry1 U.S. Health Insurance2 $1.7T . 1. 2. https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/historical https://
Slide 12: Recent Development – HITChain
Recent Development – HITChain HIT Signed Strategic Non-Binding LOI with AlphaTON Capital to create HITChain that targets the $4.5 Trillion U.S. healthcare market and the over $300 billion in annual claims administration costs. Signed a non-binding Letter of Intent Marketplace HITChain (LOI) with Alp
Slide 13: Financial Overview
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Slide 14: HIT By The Numbers
HIT By The Numbers As of Q3, 2025 910 849 42 Business Brokers, Third-party Administrator States Clients (“TPAs”) and Additional Third-party Agencies +90% YoY +49% YoY 9M 2025 revenue ($25.8M) 132% of FY 9M 2025 Adjusted EBITDA1 ($3.8M) 167% 2024 total ($19.5M) of FY 2024 total ($2.3M) $8.5M $1.0M 25
Slide 15: Revenue Composition and Key Growth Driver
Revenue Composition and Key Growth Driver Revenue Composition Revenues from underwriting modelling Revenues from Program Fee as % of premiums received as the carrier A flat fee per employee per month (PEPM) Key Growth Driver The number of enrolled employees from employers purchased healthcare plan w
Slide 16: Financial Highlights: Q3 2025 & 9M 2025
Financial Highlights: Q3 2025 & 9M 2025 Total Revenues ($ in millions) Income before Income Tax ($ in millions) 1.9x 1.8x 1.5x 2.1x YoY (90%) YoY (77%) YoY (48%) YoY (112%) $25.8 $2.1 $14.6 $1.0 $8.5 $0.6 $0.4 $4.5 Q3'24 Q3'25 9M'24 9M'25 Q3'24 Q3'25 9M'24 9M'25 16
Slide 17: Adjusted EBITDA: Q3 2025 & 9M 2025
Adjusted EBITDA: Q3 2025 & 9M 2025 Adjusted EBITDA ($ in millions) For Three Months For Nine Months % of Revenue Ended September 30, Ended September 30, 2024 2025 2024 2025 $3.8 Net income $ 376,086 $ 452,176 $ 814,629 $1,581,399 Interest (income) 126,540 (111,699) 400,889 (305,263) expenses Depreci
Slide 18: Cash & Accounts Receivable: September 2025
Cash & Accounts Receivable: September 2025 Sufficient cash reserves Cash And Cash Equivalents Accounts Receivable, net ($ in millions) ($ in millions) $8.0 $0.93 $0.87 $1.7 September'24 September'25 September'24 September'25 18
Slide 19: Certain Terms and Definitions
Certain Terms and Definitions • “Broker” or “insurance broker” is an intermediary who sells, solicits or negotiates insurance policies on behalf of a client for compensation. A broker typically acts on behalf of a client by negotiating with multiple insurers • “Carrier” refers to an insurance compan
Slide 20: Thank You
hit y health in tech in tech ® POWER UP YOUR HEALTH PLAN THANK YOU