John Kelly is on a mission to fix the health benefit experience. His Minneapolis-based insurance tech startup Nexben simplifies the marketplace by connecting the entire industry—national insurance carriers, independent agents, businesses of all sizes, and individuals—through a comprehensive cloud-based platform. The result is real-time quotes, a broader range of options, and potential savings for employers and users. “We’re the technology for insurance brokers,” Kelly explains. The market is catching on—Nexben, which has raised around $5 million in capital, experienced “explosive growth” in the last year and is on course to surpass a million users.