For small businesses, buying and managing health insurance is a “pain in the buns,” to quote my new favorite ad. Not only are its complicated terms, lack of transparency, slow quoting and on-boarding process and paper trail a pain in your buns, but health insurance can be a massive pain in your wallet, to boot. Hidden costs are everywhere.

Y Combinator-backed SimplyInsured is launching today with a solution. Founders Vivek Shah and George Huo, who were also both early employees at YC startup Cardpool (which sold to Blackhawk Network in late 2011), have built a simple, online health insurance manager and quote engine for small businesses, which aims to explain in plain English what is or isn’t working about your current plan and help you identify hidden costs and cost-savings.

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Get instant quotes for health insurance for yourself and your small business at SimplyInsured