HR · head to head
Insperity vs Oyster HR
Insperity
HR
US professional employer organisation providing co-employed HR, payroll and pooled benefits for small and mid-sized companies
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Insperity insperity employs staff only in the United States, so the moment you hire a person abroad you need a separate employer of record and end up running two employment models side by side.; Oyster HR no published pricing for Benefits package add-on
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Insperity and Oyster HR actually diverge.
Identical on both: starting price (On request), free tier (No), user rating (Not yet rated), category (HR).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Insperity
- Co-employment PEO
- Master health plan
- Assigned HR specialists
- Payroll processing
- Workers compensation
- Insperity Premier portal
- Retirement plan
- Recruiting services
Only in Oyster HR
Nothing recorded that Insperity does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Insperity
- A 40 person US company that cannot get competitive medical rates on its own and wants pooled large-group covernot Oyster HR
- A firm hiring across several states that does not want to open and maintain employment tax registrations in each onenot Oyster HR
- A founder-run business with no HR function that needs defensible advice on terminations and classificationnot Oyster HR
- A company that wants workers compensation, benefits and payroll under one contract rather than three vendorsnot Oyster HR
Oyster HR
- Global employment compliancenot Insperity
- Multi-country contractor managementnot Insperity
- International payroll processingnot Insperity
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Insperity
- Insperity employs staff only in the United States, so the moment you hire a person abroad you need a separate employer of record and end up running two employment models side by side.
- Benefit plan design, carrier and network are set across the whole pool, so a client cannot chase a better local network or a cheaper plan without leaving the PEO entirely.
- Leaving mid-year restarts state unemployment wage bases in several states, which produces an unbudgeted tax bill in the year you exit and effectively locks clients into January transitions.
- Pricing is quoted per employee per month or as a percentage of payroll and is repriced annually alongside pooled medical renewals, so a good first-year number tells you very little about year three.
- The Insperity Premier technology has lagged standalone HRIS products on reporting, workflow and integrations, which is why the company has turned to a joint build with Workday rather than closing the gap alone.
Oyster HR
- No published pricing for Benefits package add-on
- No published pricing for Visa sponsorship
- No published pricing for Salary Insights tool or Oyster Shell subscription
- Add-on features require separate quotes
Pricing, plan by plan
Insperity
On request- Workforce Optimization$undefined/year
- Full-service co-employment PEO
- Master medical, dental and vision plan
- Payroll and employment tax filing
- Workforce Synchronization$undefined/year
- Lighter co-employment for larger organisations
- Client retains more benefit plan control
- Payroll and compliance administration
Oyster HR
On request- Employer of Record (EOR)$699/month
- Per employee pricing
- Compliant employment in 120+ countries
- Multi-country payroll in 120+ currencies
- Global Contractors$29/month
- Per contractor pricing
- First 30 days free
- Instant contracts in 180+ countries
- People Partner Services$300/hour
- Project-based HR advisory
- Support for EOR and own entities
- Flexible scope from advice to full execution
Which should you pick?
Choose Insperity if
- You need co-employment peo.
- You work on Web, iOS, Android.
- You also want master health plan.
Choose Oyster HR if
Nothing in the data separates Oyster HR from Insperity on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Insperity or Oyster HR better?
- Neither clearly leads. Insperity starts at On request and Oyster HR at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Insperity or Oyster HR?
- Insperity starts at On request and Oyster HR at On request.
- Does Insperity or Oyster HR run on more platforms?
- Insperity runs on Web, iOS, Android. Oyster HR runs on Web.
- What is Insperity best used for?
- Insperity is most often used for a 40 person us company that cannot get competitive medical rates on its own and wants pooled large-group cover, a firm hiring across several states that does not want to open and maintain employment tax registrations in each one, a founder-run business with no hr function that needs defensible advice on terminations and classification, a company that wants workers compensation, benefits and payroll under one contract rather than three vendors. Of those, a 40 person us company that cannot get competitive medical rates on its own and wants pooled large-group cover and a firm hiring across several states that does not want to open and maintain employment tax registrations in each one are not what Oyster HR is typically brought in for.
- What can Insperity do that Oyster HR cannot?
- Insperity covers Co-employment PEO, Master health plan, Assigned HR specialists, Payroll processing.
Answered from the vendors’ own pages
Insperity: Does Insperity publish its pricing?
No. It quotes per employee per month or as a percentage of payroll after reviewing your headcount, state mix and claims history, and it reprices at each annual renewal.
Oyster HR: How much does Oyster EOR cost?
Oyster Employer of Record costs $699 per employee per month in USD. This includes compliant employment in 120+ countries, multi-country payroll, automated reporting, onboarding/offboarding, and local expert guidance. Annual discounts apply, and a refundable deposit is required.
SourceInsperity: Am I still the employer?
You direct the work and decide who is hired and fired. Insperity is co-employer for tax, benefits and certain compliance purposes, and it holds the registrations that wages are reported under.
Oyster HR: What is the cost of Oyster Global Contractors?
Oyster Global Contractors costs $29 per contractor per month after a free 30-day trial. Includes instant contracts in 180+ countries, multi-currency payments, identity verification, and invoice management. No minimum team size.
SourceInsperity: Can Insperity employ people outside the United States?
No. It is a US-only PEO. International hiring needs a separate employer of record such as Deel or Velocity Global.
Oyster HR: What currencies and payment methods does Oyster accept?
Oyster accepts USD, EUR, GBP, and CAD. Payment methods include direct debit and wire transfers. Currency conversion fees apply when paying in a currency different from the employment contract currency.
SourceInsperity: What happens to my benefits if I leave?
You have to source your own carriers and plans from scratch and your employees move to new networks, which is why most exits are timed for 1 January.
Oyster HR: Does Oyster offer discounts for nonprofits or startups?
Oyster for Impact provides discounts for nonprofits and B-corps. Startups can save up to $1,200 on EOR subscription fees. Refugees receive no-cost or discounted access to employment services.
SourceRelated pages
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