For brokers & benefits consultants
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DISCOUNT ONLY - NOT INSURANCE. XP Health is a vision care discount program administered by XP Health, Inc., 969 Industrial Rd, Suite A, San Carlos, CA 94070, 1-888-974-3020, https://www.xphealth.co
For brokers & benefits consultants
XP Health is the digital-first vision program that replaces or sits beside the legacy vision carrier. Quote it in a minute, earn the same 10% you earn today, and hand clients a renewal they'll thank you for.
Trusted by 6,300 organizations, from YC startups to the Fortune 100
The numbers your clients will ask about
Legacy vision carriers price the subscription low and push the real cost to the cash register. XP Health moves eyewear online at wholesale-level prices, so the total cost of care drops.
Versus traditional vision insurance, counting the subscription fee plus what members pay out-of-pocket for an exam and glasses.
On eyewear bought through the XP Marketplace: 5,163 styles, Ray-Ban to Oakley to Maui Jim, with virtual try-on.
Versus traditional vision programs. More employees sign up when the value is obvious.
Eyewear claims rose sharply for XP Health members compared with the prior year.
On a −100 to 100 scale. For reference, Apple scores 46 to 72.
Of the U.S. population within 20 miles of an in-network eye doctor for in-person exams.
*Savings percentage calculated based on the vision care provider's price to cash paying customers without a discount program and is based on the program's deepest discount rates for certain services. Exact savings will vary based on vision care needs and provider. Total cost of care compares XP Health with a traditional vision program for one in-network exam and one pair of glasses ($125 MSRP frame) in 12 months, at the same subscription fee. 1 Riddell, L., DiCecca, B. (2023). "Vision Care Utilization: A Pre/Post Analysis." Validation Institute.
What members say in public
Your client's employees will review their vision program whether you ask or not. Here's what they say on Trustpilot.
Traditional vision insurance
Trustpilot ratings as of November 2026. Traditional score reflects the largest traditional vision carriers on Trustpilot. Ratings change over time.
Instant quote
XP Health's 2026 list prices, the same rates our sales team quotes. Change the design on the left and watch the numbers move.
Commission
XP Health pays 10% of subscription fees, in line with traditional vision carriers. The subscription fee per employee is lower, but when employees contribute, more of them sign up, and that's where your commission grows.
Commission at 10% of subscription fees. Your book grows each year: year 1 has the clients you sold that year, year 2 adds the next set, and so on, with every client renewing. Composite rate is 1.7× the employee-only rate, and the XP Health rate comes from your quote above. Legacy sign-up is fixed at 40%. The XP Health lift defaults to a conservative 5%; the 2023 Validation Institute report measured 58% on contributory groups. Results vary by group and contribution design.
Marketing kit
Every quote unlocks a kit with the XP Health brand, your brokerage name and your client's numbers already in it, ready to send from open enrollment through renewal.
Pieces tagged Live XP material are real XP Health files in use with clients today. Pieces tagged Example layout show how the generated version looks. Every piece carries your brokerage name, the client's name and logo, and the savings from your quote. Click any piece to enlarge it.
Broker dashboard
Each client gets a live view of sign-ups, orders and member savings. Share a report with HR or Finance in one click, so the value is never a guess.
Sample data
Launch
XP Health's implementation team runs setup, data feeds, billing and member communications. HR approves and watches it go live, about 8 weeks from kickoff for an enterprise group.
Your client's HR team
XP Health handles the rest
XP HealthClient HRBuffer
Eligibility, billing and enrollment flow through these partners, so nobody re-keys a census.
Carriers and benefits partners
Ben-admin platforms
+ any platform that sends EDI or SFTP files
FAQ
XP Health pays 10% of collected subscription fees, in line with traditional vision carriers. Commission is paid by XP Health directly. Arrangements above 10%, including GA overrides, are priced separately with your rep.
Either way works. XP Health runs as a full replacement or as a dual option beside the existing carrier, so employees choose.
Yes. In-person exams run through a nationwide network of retail and private-practice doctors, with 90% of the U.S. population within 20 miles. Prescriptions can also be renewed online in about five minutes.
Direct employer groups under 2,000 employees with standard program features. For larger groups, custom features or carrier channels such as Guardian, your XP Health rep builds the quote with you.
It records the program design, the list price and the date. Send it to your XP Health rep, who confirms final pricing and starts the proposal. Codes are valid for 90 days.
No. XP Health is a vision care discount program. See the disclosure at the top of this page.
Get a quote, send the kit, and watch the savings in the dashboard.