A Modern Program.
A Modern Formula.
For a Modern Workforce

Legato gives every employee a genuine financial safety net and employers predictable healthcare costs.

Get Your Fiduciary Assessment^™ See How It Works

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A fiduciary advisor who works for your employees — not the insurance company

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Benefits designed around every employee's actual household, not a generic plan

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Access to alternative insurance models your current broker can't bring to you

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Measurably reduced financial stress across your workforce

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Transparent costs — no hidden fees, no surprise bills, no broker kickbacks

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A benefits program your employees will give you a standing ovation for

The Problem The Fiduciary Gap

The Fiduciary Gap is what happens when employer dollars are over-allocated to health insurance at the expense of everything else an employee needs to be financially secure. The result is a workforce that is covered on paper but financially fragile in real life.

Nearly half of all employers already recognize financial stress as a problem in their workforce.

Legato is the only system built specifically to fix it — not to patch it, not to address part of it, but to close it entirely.

What Makes Legato Different

Six Things No Other System Offers Together.

Predictable Costs. Finally.

Unpredictable renewals are not inevitable. They are a symptom of a system that was never designed with the employer's budget in mind. Legato fixes that at the foundation. You set the number. We build the system around it.

Your benefits spend becomes a line item you can actually plan around — not a variable that surprises you every year. And because we bring Health Sharing and alternative financing strategies alongside traditional insurance, we have more levers to pull than any conventional advisor.

The Fiduciary Alignment Formula

Our proprietary framework ensures every dollar is allocated where it creates the most value — across medical, income protection, supplemental coverage, and financial wellness. No other system does this comprehensively.

The Most Complete ICHRA Solution Available

ICHRA with Health Sharing addresses the gap. ICHRA with an HSA gets part of the way there. But ICHRA combined with Health Sharing, an HSA, Enrichly Health, and an Emergency Fund closes it entirely.

That full combination is what Legato delivers — and what no one else is offering.

Health Sharing as a Real Lever

Health Sharing is one of the most powerful tools available for reducing employer cost and redirecting dollars to where employees actually need them. Legato brokers have it. Most do not.

The Enrichly Health Marketplace

Our curated product marketplace gives employees below-retail access to the tools they need to stay physically, emotionally, and financially healthy. Savings that go directly back into their financial stability.

One System. Every Piece.

ICHRA companies charge high fees and do not address the Fiduciary Gap. Perks companies sell products but do not touch ICHRA or Health Sharing. Legato brings it all together in one place, with one formula, built around one goal: closing the gap for good.

A Modern Program.A Modern Formula.For a Modern Workforce