Softwr

HR · head to head

Insperity vs Rippling

Insperity logo

Insperity

HR

US professional employer organisation providing co-employed HR, payroll and pooled benefits for small and mid-sized companies

From
On request
Rated
-
Full reviewWebsite
Rippling logo

Rippling

Recruitment

Manage HR, IT, and Finance in one place

From
$8/month
Rated
-
Full reviewWebsite

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.; Rippling the Internet Archive's capture of Rippling's homepage on 10 January 2021 named distinct product modules, Employee Platform, Payroll, Benefits, Talent Management, App Management, Device Management, and a PEO offering, all sold via 'Request Demo' with no price figure published.
  • They diverge on capability: Insperity covers Co-employment PEO, Rippling covers Payroll.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Insperity and Rippling actually diverge.

Attributes where Insperity and Rippling differ
AttributeInsperityRippling
Starting priceOn request$8/month
Pricing modelquotesubscription
CategoryHRRecruitment
FoundedUnknown2016

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated).

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 Rippling

  • Payroll
  • Benefits Administration
  • Device Management
  • App Management
  • Time Tracking
  • Learning Management
  • Slack
  • Microsoft 365

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 Rippling
  • A firm hiring across several states that does not want to open and maintain employment tax registrations in each onenot Rippling
  • A founder-run business with no HR function that needs defensible advice on terminations and classificationnot Rippling
  • A company that wants workers compensation, benefits and payroll under one contract rather than three vendorsnot Rippling

Rippling

No use cases recorded yet. See the Rippling review.

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.

Rippling

  • The Internet Archive's capture of Rippling's homepage on 10 January 2021 named distinct product modules, Employee Platform, Payroll, Benefits, Talent Management, App Management, Device Management, and a PEO offering, all sold via 'Request Demo' with no price figure published.

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

Rippling

$8/month
  • Core$8/month
    • Employee Management
    • Onboarding
    • Offboarding
  • Pro$12/month
    • All Core features
    • Advanced Analytics
    • Custom Reports

Which should you pick?

Choose Insperity if

  • You need co-employment peo.
  • You work on Web, iOS, Android.
  • You also want master health plan.
Insperity review

Choose Rippling if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want benefits administration.
Rippling review

Questions people ask

Is Insperity or Rippling better?
Neither clearly leads. Insperity starts at On request and Rippling at $8/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Insperity or Rippling?
Insperity starts at On request and Rippling at $8/month.
Does Insperity or Rippling run on more platforms?
Insperity runs on Web, iOS, Android. Rippling runs on Web, Ios, Android.
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 Rippling is typically brought in for.
What can Insperity do that Rippling cannot?
Insperity covers Co-employment PEO, Master health plan, Assigned HR specialists, Payroll processing. Rippling covers Payroll, Benefits Administration, Device Management, App Management.

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.

Insperity: 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.

Insperity: 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.

Insperity: 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.

Share

Related pages

More on Insperity

More on Rippling

Keep looking

Other head to heads