# EDGAR Filing Document

**Accession Number:** 0002019505
**File Stem:** 0001213900-26-034165
**Filing Date:** 2026-3
**Character Count:** 26690
**Document Hash:** 28148c21d2729b42ce283db2d702d95a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-034165.hdr.sgml**: 20260325

**ACCESSION NUMBER**: 0001213900-26-034165

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20260325

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260325

**DATE AS OF CHANGE**: 20260325

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Health In Tech, Inc.
- **CENTRAL INDEX KEY:** 0002019505
- **STANDARD INDUSTRIAL CLASSIFICATION:** INSURANCE AGENTS BROKERS & SERVICES [6411]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42449
- **FILM NUMBER:** 26793417

**BUSINESS ADDRESS:**
- **STREET 1:** 701 S. COLORADO AVE
- **STREET 2:** SUITE 1
- **CITY:** STUART
- **STATE:** FL
- **ZIP:** 34994
- **BUSINESS PHONE:** 888-373-0333

**MAIL ADDRESS:**
- **STREET 1:** 701 S. COLORADO AVE
- **STREET 2:** SUITE 1
- **CITY:** STUART
- **STATE:** FL
- **ZIP:** 34994

?xml version='1.0' encoding='ASCII'?

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549** 

**FORM 8-K**

**Current Report**

**Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934**

**March 25, 2026**

Date of Report (Date of earliest event reported)

**<u>Health In Tech, Inc.</u>**

(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **Nevada** | **001-42449** | **87-3545722** |
| (State or other jurisdiction<br> of incorporation) | (Commission File Number) | (IRS Employer<br> Identification No.) |

---

---

| | |
|:---|:---|
| **701 S. Colorado Ave, Suite 1**<br> **Stuart, FL** | **34994** |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code: **(888) 373-0333**

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| Class A Common Stock, $0.001 par value per share | HIT | The Nasdaq Stock Market LLC<br> (Nasdaq Capital Market) |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

**Item 2.02. Results of Operations and Financial Condition.**

On March 25, 2026, Health In Tech, Inc., a Nevada corporation (the "Company"), issued a press release announcing its results of operations for the quarter and year ended December 31, 2025, attached hereto as Exhibit 99.1.

**Item 7.01. Regulation FD Disclosure.**

As disclosed in Item 2.02 above, on March 25, 2026, the Company issued a press release announcing its results of operations for the quarter and year ended December 31, 2025, attached hereto as Exhibit 99.1. The information set forth in Item 7.01 of this Current Report on Form 8-K and in the attached Exhibit 99.1 are deemed to be "furnished" and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that Section. The information set forth in Items 2.02 and 7.01 of this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed incorporated by reference into any filing under the Exchange Act or the Securities Act of 1933, as amended, regardless of any general incorporation language in such filing.

*Forward-Looking Statements*

Certain statements in this Current Report on Form 8-K are forward-looking statements for purposes of the safe harbor provisions under the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements may include estimates or expectations about Health In Tech's possible or assumed operational results, financial condition, business strategies and plans, market opportunities, competitive position, industry environment, and potential growth opportunities. In some cases, forward-looking statements can be identified by terms such as "may," "will," "should," "design," "target," "aim," "hope," "expect," "could," "intend," "plan," "anticipate," "estimate," "believe," "continue," "predict," "project," "potential," "goal," or other words that convey the uncertainty of future events or outcomes. These statements relate to future events or to Health In Tech's future financial performance, and involve known and unknown risks, uncertainties and other factors that may cause Health In Tech's actual results, levels of activity, performance, or achievements to be different from any future results, levels of activity, performance or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements because they involve known and unknown risks, uncertainties and other factors which are, in some cases, beyond Health In Tech's control and which could, and likely will, affect actual results, levels of activity, performance or achievements. Some of the risks and uncertainties, although not all risks and uncertainties, that could cause the Company's actual results to differ materially from those presented in its forward-looking statements are set forth in the "Risk Factors" section in the Company's Annual Report on Form 10-K, its Quarterly Reports on Form 10-Q, and all of its other filings with the U.S. Securities and Exchange Commission, as such risks, uncertainties and other important factors may be updated from time to time in the Company's subsequent reports. Any forward-looking statement reflects Health In Tech's current views with respect to future events and is subject to these and other risks, uncertainties and assumptions relating to Health In Tech's operations, results of operations, growth strategy and liquidity. Health In Tech undertakes no obligation to update any forward-looking statements, except as required by law.

**Item 9.01. Financial Statements and Exhibits.**

(d) Exhibits:

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| 99.1 | [Press release dated March 25, 2026.](ea028345701ex99-1.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: March 25, 2026

HEALTH IN TECH, INC.

---

| | |
|:---|:---|
| By: | */s/ Tim Johnson* |
| Name: | Tim Johnson |
| Title: | Chief Executive Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

**Health In Tech Announces Fourth Quarter and Full Year 2025 Financial Results**

● **Full year 2025 Revenues** of $33.3 million, **up 71% YoY** 

● **Full year 2025 Adjusted EBITDA** of $4.1 million, **up 81% YoY** 

Stuart, FL., March 25, 2026 /PRNewswire/ — Health In Tech, Inc. (Nasdaq: HIT) ("Health In Tech" or "Company"), an AI-enabled InsurTech platform company, today announced its financial results for the fourth quarter and full year ended December 31, 2025.

**<u>Financial Highlights for the Full Year 2025 and Fourth Quarter of 2025:</u>**

● **Revenues.** Full year 2025 revenues were $33.3 million, up 71% year over year ("YoY"). Q4 revenues were $7.5 million, up 53% YoY.

● **Adjusted EBITDA.** Full year 2025 Adjusted EBITDA was $4.1 million, up 81% YoY, Q4 Adjusted EBITDA of $0.3 million compared to prior year Q4 Adjusted EBITDA of $0.5 million.

● **Net Income.** Full year 2025 net income was $1.3 million, up 91% YoY, Q4 net loss of $0.3 million compared to prior year Q4 net loss of $0.1 million.

● **Billed Enrolled Employees.** The number of billed enrolled employees (EEs) was 22,515 as of December 31, 2025, up 23% YoY.

● **Distribution.** The number of Brokers, Third-party Administrator ("TPAs") and Agencies expanded to 858 partners as of December 31, 2025, up 34% YoY.

● **Cash.** Cash balance was $7.7 million as of December 31, 2025.

**<u>Revenue Outlook</u>**

Health In Tech expects full-year 2026 revenue to be in the range of $45 million to $50 million, representing year-over-year growth of approximately 35% to 50%. This outlook is based on management's current expectations and assumptions, including continued strong demand for the Company's AI-enabled underwriting marketplace across the self-funded health insurance segment and successful deployment of new features. Actual results may differ materially due to risks and uncertainties described in Health In Tech's filings with the SEC.

The Company expects continued growth driven by expanding engagement across its distribution network and the full deployment of new features launched in January 2026. Unlike the traditional insurance industry, where new product and service implementations typically require one to two years, Health In Tech's AI-driven platform enables new capabilities to be developed and deployed within approximately one to two quarters. This accelerated development cycle provides a meaningful competitive advantage, allowing the Company to respond quickly to broker and client demand, continuously enhance its marketplace offerings, and scale its technology platform more efficiently than traditional market participants.

**<u>CEO Commentary</u>**

Tim Johnson, Chief Executive Officer of Health In Tech, commented, "2025 was a defining year of disciplined execution and measurable platform scale for Health In Tech. We strengthened our AI-enabled underwriting marketplace, expanded carrier, broker, and TPA integrations, and further automated core insurance workflows to drive efficiency and margin scalability. We extended underwriting capabilities into larger employer segments and continued enhancing our technology architecture to support enterprise-level throughput across the approximately $300 billion U.S. claims administration market. Most importantly, we translated operational progress into financial performance, delivering 71% year-over-year revenue growth."

Mr. Johnson continued, "As we enter 2026, our focus is on advancing a fully integrated marketplace model that expands beyond underwriting to include additional services such as claims administration and administrative cost-containment solutions. Building on years of assembling specialized healthcare vendors and service providers essential to self-funded plans, we enhanced our platform in January 2026 to offer more than 100 pre-configured, customized stop-loss programs tailored at the broker-agency level. This structured program architecture enables agencies to align standardized offerings with target employer segments, empowering brokers to deliver execution-ready solutions with greater speed, consistency, and operational efficiency. The result is shorter sales cycles, improved conversion visibility, and scalable distribution leverage, while maintaining the flexibility to customize for employer-specific needs.

"In the first half of 2026, we expect to complete market testing of our Three-Year Rate stabilization program, designed to provide cost stability and predictability for eligible employer groups. We also plan to initiate beta testing of a new data-driven solution that integrates physiological data and claims data to generate actionable value insights. Together, these initiatives reflect our strategy of layering incremental, high-value services onto an already commercialized and scalable platform to drive durable growth and increasing operating leverage."

**<u>Key Developments in Q1 2026</u>**

● Engaged Amazon Web Services (AWS) Advanced Tier Services Partner Ciklum to accelerate development of Health In Tech's AI-Driven InsurTech platform.

● Appointed former SAP and IBM executive Sri Rajagopalan as Chief Technology Officer to advance AI-driven Enterprise-Grade platform growth.

● Appointed five-time founder Zain Hasan as Chief Growth Officer to accelerate revenue growth and scale distribution.

● Introduced 100+ pre-configured stop-loss self-funded healthcare plans for employers, streamlining the renewal process and reducing cycle times.

● Hosted the inaugural independent hitDavos InsurTech Summit during World Economic Forum Week 2026, driving brand visibility and global leadership engagement across the government, technology, healthcare, and finance sectors.

**Conference Call Details**

Health In Tech will host a conference call to discuss the financial results for the fourth quarter and full year of 2025 on March 25, 2026, at 5:00 p.m. (ET). To participate in our live conference call and webcast, please dial 1-888-346-8982 or 1-412-902-4272 (for international participants).

A live audio webcast will be available via the Investor Relations page of Health In Tech's website at **https://healthintech.com/.** A replay of the webcast will be available for on-demand listening shortly after the completion of the call, at the same web link, and will remain available for approximately 90 days.

**Non-GAAP Financial Information**

This release presents Adjusted EBITDA, a non-GAAP financial metric, which is provided as a complement to the results provided in accordance with accounting principles generally accepted in the United States of America ("GAAP"). Management uses Adjusted EBITDA to provide investors with additional insight into operational performance and to facilitate comparison with other companies in the industry. Adjusted EBITDA should not be considered an alternative to net income, operating income, or other GAAP measures. A reconciliation of historical non-GAAP financial information to the most directly comparable GAAP financial measure is provided in the accompanying tables found at the end of this release.

**Use of Forward-Looking Statements**

Certain statements in this press release are forward-looking statements for purposes of the safe harbor provisions under the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements may include estimates or expectations about Health In Tech's possible or assumed operational results, financial condition, business strategies and plans, market opportunities, competitive position, industry environment, and potential growth opportunities. In some cases, forward-looking statements can be identified by terms such as "may," "will," "should," "design," "target," "aim," "hope," "expect," "could," "intend," "plan," "anticipate," "estimate," "believe," "continue," "predict," "project," "potential," "goal," or other words that convey the uncertainty of future events or outcomes. These statements relate to future events or to Health In Tech's future financial performance, and involve known and unknown risks, uncertainties and other factors that may cause Health In Tech's actual results, levels of activity, performance, or achievements to be different from any future results, levels of activity, performance or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements because they involve known and unknown risks, uncertainties and other factors which are, in some cases, beyond Health In Tech's control and which could, and likely will, affect actual results, levels of activity, performance or achievements. Any forward-looking statement reflects Health In Tech's current views with respect to future events and is subject to these and other risks, uncertainties and assumptions relating to Health In Tech's operations, results of operations, growth strategy and liquidity.

**About Health In Tech** 

Health In Tech, Inc. (Nasdaq: "HIT") is an AI-enabled InsurTech platform company, which offers a marketplace that improves processes in the health insurance industry through vertical integration, process simplification, and automation. By removing friction and complexities, we streamline the underwriting, sales and service process for insurance companies, licensed brokers, Managing General Underwriter (MGUs) and third-party administrators ("TPAs"). Health In Tech's platform serves as a marketplace for brokers, TPAs, MGUs and carriers to access self-funded health insurance for employers, providing functions including customized self-funded health plans, bindable stop-loss quotes, AI-enabled underwriting, claims administration and reporting integration. Learn more at healthintech.com.

**Health In Tech, Inc.**

**Consolidated Statements of Operations**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended<br> December 31,** | **Three Months Ended<br> December 31,** | **Fiscal Year Ended <br> December 31,** | **Fiscal Year Ended <br> December 31,** |
|  | **2025** | **2024** | **2025** | **2024** |
| **Revenues** |  |  |  |  |
| Revenues from underwriting modeling (ICE) | $1032381 | $1697080 | $6864545 | $6649271 |
| Revenues from fees | 6476204 | 3207484 | 26462966 | 12841635 |
| &nbsp;&nbsp;&nbsp;SMR | 6476204 | 2470284 | 26462966 | 9849300 |
| &nbsp;&nbsp;&nbsp;HI Card | - | 737200 | - | 2992335 |
| **Total revenues** | **7508585** | **4904564** | **33327511** | **19490906** |
| **Cost of revenues** | **3379942** | **1107173** | **12389783** | **4051439** |
| **Gross profit** | **4128643** | **3797391** | **20937728** | **15439467** |
| **Operating expenses** |  |  |  |  |
| Sales and marketing expenses | 906206 | 632060 | 4185766 | 3158257 |
| General and administrative expenses | 3180137 | 2848014 | 13654262 | 8477407 |
| Research and development expenses | 213113 | 633653 | 1569262 | 2813899 |
| **Total operating expenses** | **4299456** | **4113727** | **19409290** | **14449563** |
| **Other income (expense):** |  |  |  |  |
| Interest income | 104659 | 28774 | 409922 | 122885 |
| Interest expenses |  |  |  | (495000) |
| Other income |  | 114055 | 118399 | 271211 |
| Other expense | (377587) | 62759 | (382587) | - |
| **Total other income (expense), net** | **(272928)** | **205588** | **145734** | **(100904)** |
| **Income (loss) before income tax expense** | $**(443741)** | $**(110748)** | $**1674172** | $**889000** |
| Provision for income taxes | 141184 | (33404) | (395330) | (218523) |
| **Net income (loss)** | $**(302557)** | $**(144152)** | $**1278842** | $**670477** |
| **Net income per share** |  |  |  |  |
| Basic | $**(0.01)** | $**(0.00)** | $**0.02** | $**0.01** |
| Diluted | $**(0.01)** | $**(0.00)** | $**0.02** | $**0.01** |
| **Weighted average common stocks outstanding** |  |  |  |  |
| Basic | **56908999** | **52047723** | **55843821** | **51839329** |
| Diluted | **58635562** | **54662931** | **57742798** | **53662677** |

---

**Health In Tech, Inc.**

**Consolidated Balance Sheets**

---

| | | |
|:---|:---|:---|
|  | **December 31, <br> 2025** | **December 31, <br> 2024** |
| **Assets** | | |
| **Current assets** | | |
| &nbsp;&nbsp;&nbsp;Cash and cash equivalents | $7669754 | $7849248 |
| &nbsp;&nbsp;&nbsp;Accounts receivable, net | 756288 | 1647103 |
| &nbsp;&nbsp;&nbsp;Loans receivable, net | 815995 |  |
| &nbsp;&nbsp;&nbsp;Other receivables, net | 3467814 | 500252 |
| &nbsp;&nbsp;&nbsp;Deferred offering costs | 170977 |  |
| &nbsp;&nbsp;&nbsp;Prepaid expenses and other current assets | 3280148 | 787161 |
| Total current assets | 16160976 | 10783764 |
| **Non-current assets** |  |  |
| &nbsp;&nbsp;&nbsp;Software | 6530894 | 3962461 |
| &nbsp;&nbsp;&nbsp;Loans receivable, net |  | 815995 |
| &nbsp;&nbsp;&nbsp;Operating lease - right of use assets | 139940 | 206269 |
| &nbsp;&nbsp;&nbsp;Long-term prepaid expenses | 258151 |  |
| Total non-current assets | 6928985 | 4984725 |
| **Total assets** | $**23089961** | $**15768489** |
| **Liabilities and stockholders' equity** |  |  |
| **Current liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;Accounts payable and accrued expenses | $4188811 | $1858840 |
| &nbsp;&nbsp;&nbsp;Income taxes payable |  | 205253 |
| &nbsp;&nbsp;&nbsp;Operating lease liabilities - current | 76195 | 66881 |
| &nbsp;&nbsp;&nbsp;Other current liability | 891598 | - |
| Total current liabilities | 5156604 | 2130974 |
| **Non-current liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;Deferred tax liabilities | 757675 | 328676 |
| &nbsp;&nbsp;&nbsp;Operating lease liabilities - non-current | 63617 | 139811 |
| Total non-current liabilities | 821292 | 468487 |
| **Total liabilities** | **5977896** | **2599461** |
| **Stockholders' equity** |  |  |
| &nbsp;&nbsp;&nbsp;Common stock, $0.001 par value; Class A Common stock 150,000,000 shares authorized 46,006,000 and 42,914,870 shares issued and outstanding as of December 31, 2025 and December 31, 2024, respectively | 46006 | 42915 |
| &nbsp;&nbsp;&nbsp;Common stock, $0.001 par value; Class B Common stock 50,000,000 shares authorized, 11,700,000 shares issued and outstanding as of December 31, 2025 and December 31, 2024, respectively | 11700 | 11700 |
| &nbsp;&nbsp;&nbsp;Additional paid-in capital | 11834121 | 9173017 |
| &nbsp;&nbsp;&nbsp;Retained earnings | 5220238 | 3941396 |
| **Total stockholders' equity** | **17112065** | **13169028** |
| **Total liabilities and stockholders' equity** | $**23089961** | $**15768489** |

---

**Health In Tech, Inc.**

**Consolidated Statements of Cash Flows**

---

| | | |
|:---|:---|:---|
|  | **Fiscal Year Ended<br> December 31,** | **Fiscal Year Ended<br> December 31,** |
|  | **2025** | **2024** |
| **CASH FLOWS FROM OPERATING ACTIVITIES:** |  |  |
| Net income | $1278842 | $670477 |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |  |
| &nbsp;&nbsp;&nbsp;Bad debt expense (recovery) | (16234) | 1878 |
| &nbsp;&nbsp;&nbsp;Amortization expense | 900577 | 541141 |
| &nbsp;&nbsp;&nbsp;Provision for refund liability | 3891598 |  |
| &nbsp;&nbsp;&nbsp;Provision for credit losses on other receivables | 377587 |  |
| &nbsp;&nbsp;&nbsp;Deferred tax expenses (benefits) | 428999 | (93304) |
| &nbsp;&nbsp;&nbsp;Amortization of debt discount |  | 495000 |
| &nbsp;&nbsp;&nbsp;Interest income | (64000) | (63996) |
| &nbsp;&nbsp;&nbsp;Stock-based compensation expense | 1570419 | 468489 |
| &nbsp;&nbsp;&nbsp;Changes in operating assets and liabilities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts receivable | 907049 | 586685 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other receivables | (3345149) | 1180848 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prepaid expenses and other assets | (1948184) | (514242) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating lease right of use assets and liabilities, net | (551) | 1889 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts payable and accrued expenses | 2358113 | (851963) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income taxes payable | (205253) | (246693) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other current liabilities | (3000000) | - |
| **Net cash provided by operating activities** | **3133813** | **2176209** |
| **CASH FLOWS FROM INVESTING ACTIVITIES:** |  |  |
| Development of software | (3189921) | (900755) |
| Interest received from loans receivable | 64000 | 64000 |
| **Net cash used in investing activities** | **(3125921)** | **(836755)** |
| **CASH FLOWS FROM FINANCING ACTIVITIES:** |  |  |
| Proceeds from issuance of common stock in connection with initial public offering, net of underwriting discounts and commissions |  | 8214000 |
| Proceeds from stock option exercises | 23430 |  |
| Payments of deferred offering costs | (210816) | (1975556) |
| Repayments of notes payable | - | (2145000) |
| **Net cash provided by (used in) financing activities** | **(187386)** | **4093444** |
| Increase (decrease) in cash and cash equivalents | (179494) | 5432898 |
| Cash and cash equivalents, beginning of year | 7849248 | 2416350 |
| Cash and cash equivalents, end of year | 7669754 | 7849248 |
| **Supplemental disclosures of cash flow information:** |  |  |
| Cash paid for interest | $- | $- |
| Cash paid for income taxes | $830726 | $558521 |
| **Summary of noncash investing and financing activities:** |  |  |
| Accrued deferred offering costs included in accounts payable and accrued expenses | $- | $39839 |
| Accrued development of software included in accounts payable and accrued expenses | $38363 | $50000 |
| Reclassification of deferred offering costs to additional paid-in capital upon initial public offering | $- | $2277164 |
| Stock-based compensation capitalized for software development | $290726 | $- |

---

**Health In Tech, Inc.**

**Reconciliation of GAAP (Net Income) to Non-GAAP Financial Measure (Adjusted EBITDA)**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended <br>December 31,** | **Three Months Ended <br>December 31,** | **Fiscal Year Ended <br>December 31,** | **Fiscal Year Ended <br>December 31,** |
|  | **2025** | **2024** | **2025** | **2024** |
| Net income | (302557) | (144152) | 1278842 | 670477 |
| Interest (income) expenses | (104659) | (28774) | (409922) | 372115 |
| Amortization expense | 410630 | 135983 | 900577 | 541141 |
| Income tax expense | (141184) | 33404 | 395330 | 218523 |
| Stock-based compensation expense | 76733 | 468489 | 1570419 | 468489 |
| Provision for credit losses on other receivables | 377587 | - | 377587 | - |
| Total net adjustments | 619107 | 609102 | 2833991 | 1600268 |
| **Adjusted EBITDA** | **316550** | **464950** | **4112833** | **2270745** |

---

**Investor Contact:**

Health In Tech Investor Relations

ir@healthintech.com

The Equity Group

Kalle Ahl, CFA

T: (303) 953-9878

kahl@theequitygroup.com

Devin Sullivan, Managing Director

dsullivan@theequitygroup.com