---
title: Build or Buy APIs for Benefits Enrollment?
description: In this guide, discover how to put the right capabilities in place to manage the complexity of enrollment data and partner integrations as a carrier or ben-admin.
image: https://info.noyo.com/hubfs/BvB%20Guide%20THREE%20-%20LinkedIn.png
---

[![Conrflower_ Full Logo](https://info.noyo.com/hubfs/Conrflower_%20Full%20Logo.svg "Conrflower_ Full Logo")](https://www.noyo.com/)

![HeroArt-BuidVsBuy](https://info.noyo.com/hubfs/HeroArt-BuidVsBuy.png "HeroArt-BuidVsBuy")

INDUSTRY WHITE PAPER

# Build vs. Buy: Making the shift to API technology for benefits enrollment

 

## A guide to investing in a modern enrollment experience

As the market prioritizes easier, faster, more automated benefits solutions, ben-admins and insurance carriers are faced with upgrading enrollment systems for a real-time world.

- 66% of employers prefer carriers that plug-in to the software they're using
- 75% of brokers pitch benefits technology when going after new business

This in-depth guide looks at the build versus buy decision from multiple angles to help you navigate the path to API-powered enrollment.

Inside, you’ll find:

- Technical and operational requirements for a leading enrollment experience.
- A detailed analysis of the important considerations eg speed-to-market, network expansion, and growth strategy.
- An useful framework for modeling the upfront investment (CapEx) and ongoing costs (OpEx).
- Insights from leaders at Bennie and Ameritas as featured in our recent [Build vs Buy webinar.](https://info.noyo.com/build-buy-api?hsLang=en)

## What's inside?

![Noyo-BvB-Guide-2023-Cover](https://21255631.fs1.hubspotusercontent-na1.net/hub/21255631/hubfs/Noyo-BvB-Guide-2023-Cover.png?width=1200&length=1200&name=Noyo-BvB-Guide-2023-Cover.png)

![Noyo-BvB-Guide-2023-Intro](https://21255631.fs1.hubspotusercontent-na1.net/hub/21255631/hubfs/Noyo-BvB-Guide-2023-Intro.png?width=1200&length=1200&name=Noyo-BvB-Guide-2023-Intro.png)

![Noyo-BvB-Guide-2023-Overview](https://21255631.fs1.hubspotusercontent-na1.net/hub/21255631/hubfs/Noyo-BvB-Guide-2023-Overview.png?width=1200&length=1200&name=Noyo-BvB-Guide-2023-Overview.png)

![Noyo-BvB-Guide-2023-Cost-Considerations](https://21255631.fs1.hubspotusercontent-na1.net/hub/21255631/hubfs/Noyo-BvB-Guide-2023-Cost-Considerations.png?width=1200&length=1200&name=Noyo-BvB-Guide-2023-Cost-Considerations.png)

![Noyo-BvB-Guide-2023-Total-Cost](https://21255631.fs1.hubspotusercontent-na1.net/hub/21255631/hubfs/Noyo-BvB-Guide-2023-Total-Cost.png?width=1200&length=1200&name=Noyo-BvB-Guide-2023-Total-Cost.png)

![Noyo-BvB-Guide-2023-Speed-to-Market](https://21255631.fs1.hubspotusercontent-na1.net/hub/21255631/hubfs/Noyo-BvB-Guide-2023-Speed-to-Market.png?width=1200&length=1200&name=Noyo-BvB-Guide-2023-Speed-to-Market.png)

## It's not an either/or decision

Find out why both approaches are necessary as you scale connectivity across a broad network of partners.

 Download the guide

Copyright © 2026 Noyo Technologies Inc. All Rights Reserved.