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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2025 OR ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from _________to___________ Commission File Number: 001-42449 Health In Tech, Inc. (Exact name of registrant as specified in its charter) | Nevada | 87-3545722 | | --- | --- | ...

STUART, Fla., July 24, 2025 /PRNewswire/ -- Health In Tech (Nasdaq: HIT), an Insurtech platform company backed by third-party AI technology, is proud to announce a new collaboration with Verdegard Administrators, a licensed third-party administrator (TPA) based in Arizona. Together, the two companies aim to redefine how TPAs support brokers and employer groups by leveraging Health In Tech's Enhanced Do It Yourself Benefit Systems (eDIYBS) platform.Third-party administrators like Verdegard play a crucial rol ...

STUART, Fla., July 23, 2025 /PRNewswire/ -- Health In Tech (Nasdaq: HIT), an Insurtech platform company backed by third-party AI technology, is proud to announce it will host an exclusive half-day Summit on January 20, 2026, from  11:30 a.m. to 4:30 p.m. (CET) at the prestigious Belvedere Hotel in Davos, Switzerland, alongside the week of the World Economic Forum (WEF) Annual Meeting.The World Economic Forum, held each January in Davos, is one of the world's most prestigious gatherings of global leaders fro ...

Core Insights - Health In Tech has donated 60 new computers to the Diocese of Srikakulam, enhancing educational opportunities and promoting digital inclusion for children and families in the region [1][2] - The donation aligns with Health In Tech's commitment to community impact beyond health insurance and technology solutions, emphasizing the importance of technology in education [1][3] Company Overview - Health In Tech (Nasdaq: HIT) is an Insurtech platform company utilizing third-party AI technology to improve processes in the healthcare industry through vertical integration, process simplification, and automation [5] - The company aims to streamline the underwriting, sales, and service processes for insurance companies, licensed brokers, and third-party administrators (TPAs) [5] Community Impact - The Diocese of Srikakulam expressed gratitude for the donation, highlighting its potential to enhance learning and skill-building for vulnerable children [2] - The donated computers will support educational programs and digital literacy initiatives, addressing the digital divide in underserved areas [2][3] - Health In Tech's donation reflects its alignment with Environmental, Social, and Governance (ESG) values, particularly in promoting digital inclusion and social equity [3] Future Collaboration - Health In Tech is dedicated to fostering community partnerships and encourages collaboration with other organizations and individuals to create lasting positive change [4]

Financial Data and Key Metrics Changes - Total revenue for Q2 2025 reached $9.3 million, representing an 86% year-over-year increase [5][6] - First half revenues totaled $17.3 million, which is 89% of the entire 2024 fiscal year total of $19.54 million [6][23] - Adjusted EBITDA for Q2 was $1.6 million, a 134% year-over-year increase, with first half adjusted EBITDA reaching $2.8 million [24] - Pretax income for Q2 more than doubled year-over-year to $800,000, with first half pretax income at $1.5 million [24][25] - Cash flow from operating activities was positive $1.5 million in Q2, with total cash flow for all activities at positive $600,000 [29] Business Line Data and Key Metrics Changes - The company expanded its distribution network to 778 partners, an 87% increase year-over-year [7] - Billed enrolled employees increased by 30%, reaching 24,839 [7] - Sales and marketing expenses were $1.2 million for the quarter, a 6.3% reduction year-over-year [27] - General administrative expenses were $3.8 million, a 4.2% increase compared to the same period last year [28] Market Data and Key Metrics Changes - The company is focusing on small and mid-sized employers, with a significant market opportunity remaining as it has only captured a small fraction of the potential market [87] - The healthcare insurance market is characterized by uncertainty, presenting opportunities for the company to provide alternatives [89][90] Company Strategy and Development Direction - The company is broadening its market reach through strategic partnerships with third-party administrators and regional healthcare benefit providers [7][10] - The enhanced eDiP platform is set to launch fully in Q3, with new product offerings expected to be beta tested by the end of Q3 [11] - The company aims to maintain strong growth momentum through technology enhancement and product innovation [11] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's ability to maintain growth momentum despite the typically slow sales seasons [9] - The current healthcare market's challenges, including rising rates from ACA carriers, create opportunities for the company to offer solutions [91][92] Other Important Information - The company is actively working on the HiCard project, with expectations to see revenue from it in Q1 of the following year [66][67] - The company is exploring new product opportunities and will announce them as they approach completion [72][74] Q&A Session Summary Question: How is the company benefiting from partnerships? - Management noted that partnerships allow for more distribution opportunities and can lead to new employer clients [55] Question: How is the company targeting mid-sized employers? - The company is not actively marketing to large employers but is seeing an uptick in requests from larger groups through broker partners [42][44] Question: What is the company's approach to controlling expenses? - Management emphasized disciplined expense management and the expectation that revenue growth will outpace expense growth [63][64] Question: What is the outlook for the HiCard project? - The HiCard project is expected to be implemented by August, with revenue anticipated in Q1 of the following year [66][67] Question: How does the company view the current healthcare insurance market? - Management sees the current uncertainty in the market as a significant opportunity to provide alternatives and solutions [89][90]

Financial Data and Key Metrics Changes - Total revenue for Q2 2025 reached $9.3 million, representing an 86% year-over-year increase [6][26] - First half revenues of $17.3 million already account for 89% of the entire 2024 fiscal year total [7][26] - Adjusted EBITDA for Q2 was $1.6 million, a 134% increase year-over-year, with first half adjusted EBITDA reaching $2.8 million [27] - Pretax income for Q2 more than doubled year-over-year to $800,000, with first half pretax income at $1.5 million [27] Business Line Data and Key Metrics Changes - The company expanded its distribution network to 778 partners, an 87% increase year-over-year [8] - Billed enrolled employees increased by 30%, now totaling 24,839 [8] Market Data and Key Metrics Changes - The company is actively forging partnerships with third-party administrators and regional healthcare benefit providers, enhancing market reach [8][12] - The demand for differentiated services is evident in the growth of billed enrolled employees [8] Company Strategy and Development Direction - The company is focused on strategic partnership expansion, technology enhancement, and product innovation to maintain growth momentum [13] - The enhanced eDiP platform with automated large group underwriting tools is set to launch in Q3 [13] - The company aims to provide comprehensive solutions for small businesses through partnerships with influential players in the healthcare ecosystem [21][23] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to maintain strong growth momentum despite typically slow sales seasons [11] - The current healthcare insurance market is characterized by uncertainty, presenting opportunities for the company to provide alternatives and solutions [91][93] Other Important Information - The company reported a positive cash flow from operating activities of $1.5 million in Q2, with total cash flow for all activities being positive $600,000 [31] - As of June 30, 2025, the company had $8.1 million in cash, demonstrating disciplined cash flow management [31] Q&A Session Summary Question: How is the company benefiting from partnerships and new business? - Management noted that opportunities in the fully insured market allow for flexibility in moving employees off effective dates, leading to more sales throughout the year [36][37] Question: How is the rollout of the AI-backed underwriting platform being managed? - The company is seeing an uptick in larger cases and is working with national agencies to build trust and bring in larger groups [43][44] Question: How do partnerships contribute to new employer acquisition? - Partnerships with TPAs are expected to bring in new business as they tap into distribution channels previously inaccessible to the company [62] Question: What is the company's approach to controlling expenses while growing revenue? - Management emphasized the importance of maintaining positive operating leverage and continuously reviewing internal efficiency [65][66] Question: What are the future plans for the HiCard program? - The company is on track to implement the HiCard program by August, with revenue expected in Q1 of the following year [70] Question: How does the company view the current healthcare insurance market? - Management highlighted the significant rate increases from ACA carriers as an opportunity for the company to provide alternative solutions [93][94]

Company Overview - Health In Tech (HIT) is an insurance exchange platform transforming the self-funded healthcare market through technology [6] - The company connects brokers, employers, and TPAs on a single platform to deliver customized self-funded plans [7] - As of Q2 2025, HIT has expanded its reach to 41 states, serving 942 business clients and collaborating with 778 brokers, TPAs, and agencies [9] Financial Performance (1H 2025) - HIT's revenue for the first half of 2025 reached $17.3 million, representing 89% of the full-year 2024 revenue of $19.5 million, with a year-over-year growth of 86% [10] - Adjusted EBITDA for 1H 2025 exceeded the full-year 2024 total, reaching $2.8 million compared to $2.3 million, demonstrating a 134% year-over-year increase [10] - In Q2 2025, the company achieved $9.3 million in revenue and $1.6 million in Adjusted EBITDA [10] - Cash and cash equivalents increased from $2.2 million in June 2024 to $8.1 million in June 2025 [53] Market Opportunity - The U S healthcare industry represents a $6.6 trillion total addressable market [11] - Small businesses, employing 59 million people, contribute 43.5% of the GDP, highlighting a significant market segment [12, 13] Technology and Innovation - HIT leverages AI across its platform to accelerate processes, enhance transparency, support smarter decision-making, deliver cost efficiency, and empower personalized care models [34, 36] - The company's proprietary eDIYBS technology simplifies the quoting process, presenting bindable proposals with 12 plans and 4 tier rates in approximately 2 minutes [40]

[Financial & Operational Highlights](index=1&type=section&id=Financial%20Highlights%20for%20the%20Second%20Quarter%20and%20First-Half%20of%202025) Health In Tech reported strong Q2 2025 revenue and Adjusted EBITDA growth, driven by network expansion and increased employee enrollment Q2 2025 Key Performance Indicators (YoY) | Metric | Q2 2025 Value | YoY Growth | | :--- | :--- | :--- | | **Total Revenues** | $9.3 million | 86% | | **Adjusted EBITDA** | $1.6 million | 134% | | **Distribution Partners** | 778 | 87% | | **Billed Enrolled Employees** | 24,839 | 30% (5,738 increase) | - The company demonstrates strong growth momentum, with first-half 2025 revenues of **$17.3 million** already representing **89%** of the full-year 2024 revenue. Similarly, first-half adjusted EBITDA of **$2.8 million** is **1.2 times** the full-year 2024 figure[5](index=5&type=chunk)[6](index=6&type=chunk) - The company maintained a solid cash position with a balance of **$8.1 million** as of June 30, 2025[5](index=5&type=chunk) [Management Commentary](index=1&type=section&id=Management%20Commentary) Management highlighted strategic network expansion and AI-powered service bundling, alongside disciplined financial management and improved profitability - CEO Tim Johnson emphasized the strategic focus on expanding the distribution network beyond traditional brokers to include TPAs, regional healthcare providers, and small business service platforms[4](index=4&type=chunk) - Partners are increasingly using the company's AI-powered platform to bundle healthcare insurance with their existing services, creating integrated solutions for small business employers[4](index=4&type=chunk) - CFO Julia Qian noted that first-half pretax income as a percentage of revenue improved by nearly **300 basis points** year-over-year, demonstrating effective expense discipline and resource allocation[6](index=6&type=chunk) [Recent Business Developments](index=2&type=section&id=Recent%20Business%20Developments%20and%20Highlights) Health In Tech established key partnerships with TPAs and brokers to expand market reach and enhance service offerings - The company has formed strategic partnerships to broaden its distribution and service capabilities: - **Verdegard Administrators:** A TPA owned by MedImpact, aimed at reducing costs for small businesses - **Unified Health Plans:** A premier TPA in Kansas, providing access to its extensive provider network - **HILB Group:** A Top 25 U.S. insurance broker, partnering to co-develop and distribute self-funded health benefit solutions - **Baily Insurance:** An experienced agency and co-founder of Fusion Health Plans, leveraging HIT's platform for faster administration and scalability[11](index=11&type=chunk) [Financial Statements](index=3&type=section&id=Financial%20Statements) The unaudited consolidated financial statements for the period ended June 30, 2025, detail the company's financial performance and position [Consolidated Statements of Operations](index=3&type=section&id=Health%20In%20Tech,%20Inc.%20Consolidated%20Statements%20of%20Operations) This section presents the unaudited consolidated statements of operations, detailing revenues, expenses, and net income for the specified periods Statement of Operations Highlights (Unaudited) | Metric (in millions) | Q2 2025 | Q2 2024 | H1 2025 | H1 2024 | | :--- | :--- | :--- | :--- | :--- | | **Total Revenues** | $9.31 | $5.00 | $17.33 | $10.13 | | **Gross Profit** | $6.31 | $4.03 | $11.67 | $8.16 | | **Income Before Income Tax** | $0.83 | $0.40 | $1.52 | $0.59 | | **Net Income** | $0.63 | $0.34 | $1.13 | $0.44 | - The significant increase in total revenues was primarily driven by 'Revenues from fees', which more than doubled from **$3.4 million** in Q2 2024 to **$7.2 million** in Q2 2025[15](index=15&type=chunk) - Operating expenses increased from **$3.5 million** in Q2 2024 to **$5.6 million** in Q2 2025, mainly due to higher General and Administrative expenses[15](index=15&type=chunk) [Consolidated Balance Sheets](index=5&type=section&id=Health%20In%20Tech,%20Inc.%20Consolidated%20Balance%20Sheets) This section presents the unaudited consolidated balance sheets, outlining assets, liabilities, and equity at specific points in time Balance Sheet Highlights (Unaudited) | Metric (in millions) | June 30, 2025 | Dec 31, 2024 | | :--- | :--- | :--- | | **Cash** | $8.14 | $7.85 | | **Total Current Assets** | $14.85 | $10.78 | | **Total Assets** | $22.18 | $15.77 | | **Total Liabilities** | $5.75 | $2.60 | | **Total Stockholders' Equity** | $16.42 | $13.17 | - Total assets grew by **40.6%** from December 31, 2024, to June 30, 2025, primarily driven by increases in 'Other receivables' and 'Software'[18](index=18&type=chunk) - Total liabilities more than doubled, increasing from **$2.6 million** to **$5.75 million**, largely due to a significant rise in 'Accounts payable and accrued expenses'[18](index=18&type=chunk) [Consolidated Statements of Cash Flows](index=6&type=section&id=Health%20In%20Tech,%20Inc.%20Consolidated%20Statements%20of%20Cash%20Flows) This section presents the unaudited consolidated statements of cash flows, summarizing cash inflows and outflows from operating, investing, and financing activities Cash Flow Summary for Six Months Ended June 30 (Unaudited) | Cash Flow (in millions) | 2025 | 2024 | | :--- | :--- | :--- | | **Net cash provided by operating activities** | $2.01 | $0.59 | | **Net cash used in investing activities** | ($1.61) | ($0.23) | | **Net cash used in financing activities** | ($0.11) | ($0.61) | | **Increase (decrease) in cash** | $0.29 | ($0.25) | - Cash from operating activities significantly improved in the first half of 2025, driven by higher net income and favorable changes in working capital, particularly accounts payable[20](index=20&type=chunk) - Cash used in investing activities increased substantially to **$1.6 million** in H1 2025 from **$0.2 million** in H1 2024, reflecting higher investment in software development[20](index=20&type=chunk) [Non-GAAP Financial Measures](index=2&type=section&id=Non-GAAP%20Financial%20Information) Adjusted EBITDA, a non-GAAP measure, clarifies operational performance by excluding specific non-cash and non-operating items - Adjusted EBITDA is defined as net income before net interest expense, taxes, depreciation, amortization, and adjusted to eliminate stock-based compensation expense[27](index=27&type=chunk) Adjusted EBITDA Reconciliation (Unaudited, in thousands) | Metric | Q2 2025 | Q2 2024 | H1 2025 | H1 2024 | | :--- | :--- | :--- | :--- | :--- | | **Net Income** | $630.6 | $338.0 | $1,129.2 | $438.5 | | **Total Net Adjustments** | $938.4 | $331.7 | $1,668.0 | $698.4 | | **Adjusted EBITDA** | $1,569.0 | $669.7 | $2,797.2 | $1,136.9 | [Components of Operating Results](index=7&type=section&id=Components%20of%20Operating%20Results) Revenues are generated by streamlining processes for TPAs, MGUs, and Brokers, with costs covering platform, technology, and personnel - Revenue is driven by offering solutions that streamline sales and service for TPAs, MGUs, and Brokers. Services from subsidiaries SMR (program services) and ICE (MGU activities) are interdependent and sold as a combined offering[22](index=22&type=chunk) - Cost of revenues consists of platform infrastructure costs (hosting), fees for third-party technology, and amortization of capitalized internal-use software[23](index=23&type=chunk) - Operating expenses are broken down into: - **Sales and marketing:** Personnel costs, commissions, and advertising - **General and administrative:** Executive, finance, legal, and HR personnel costs, plus professional fees - **Research and development:** Personnel costs for R&D staff and expenses for platform enhancement[24](index=24&type=chunk)[25](index=25&type=chunk)[26](index=26&type=chunk)

Core Insights - Health In Tech reported strong financial growth in Q2 2025, with total revenue of $9.3 million, representing an 86% year-over-year increase, and first-half revenues of $17.3 million, which is 89% of the full-year 2024 total [3][8][27] - The company expanded its distribution network to 778 partners, an increase of 87% year-over-year, indicating a strategic shift beyond traditional broker channels [3][8] - Adjusted EBITDA for Q2 was $1.6 million, up 134% year-over-year, with first-half adjusted EBITDA reaching $2.8 million, which is 1.2 times the full-year 2024 result [3][8][27] Financial Highlights - Total revenue for Q2 2025 was $9.3 million, up 86% from $5.0 million in Q2 2024 [27] - First-half revenue totaled $17.3 million, a 71.1% increase from $10.1 million in the same period of 2024 [27] - Adjusted EBITDA for Q2 was $1.6 million, a 134.3% increase from $0.7 million in Q2 2024 [27] - First-half adjusted EBITDA reached $2.8 million, up 146% from $1.1 million in the first half of 2024 [27] - The cash balance as of June 30, 2025, was $8.1 million [8] Business Developments - Health In Tech has established partnerships with various third-party administrators (TPAs) and healthcare benefit providers, enhancing its service offerings and market reach [3][9] - The company is focusing on integrating healthcare insurance with existing services provided by partners, which is expected to improve service delivery for small business employers [3][9] - The number of billed enrolled employees increased by 5,738 year-over-year, totaling 24,839 [8] Operational Efficiency - The company maintained a pretax income margin of 8.8% of revenue, reflecting a nearly 300 basis point improvement year-over-year [3][8] - Health In Tech's strategic focus on technology-driven solutions and partnerships is aimed at reducing costs and improving care quality for small businesses [9]