Teams usually look at custom ACA builds after the same pattern repeats for a year. Rising platform renewals, workflow limits during OEP, and zero control over roadmap priorities.
That is the conversation that ends with this page open in a browser tab.
Custom ACA platform development only makes sense when an off the shelf product genuinely runs out of room. Past 50 agents. Scaling a call center. Building a consumer brand. Chasing EDE certification. At that point you do not need another SaaS subscription. You need an engineering team that has shipped this category before.
Devkrest is that team. We are a custom software engineering firm with paying clients across health insurance, fintech, and retail. QuoteTurbo, the free quoting tool you are browsing, is the same engine we use as the reference architecture for private builds. If you can break the free tool, we can build you the next version of it.
Key Takeaways
- Devkrest builds production ACA, EDE, Medicare, ICHRA, and insurtech platforms. Not slide decks.
- Typical MVP ships in 8 to 12 weeks. We run a two week paid pilot before any larger commitment.
- Engagement shapes: fixed scope MVP, embedded team, or full white label of the QuoteTurbo engine.
- Compliance first. HIPAA aware data handling, audit trails, encryption at rest and in transit.
- First call is with an engineer who will work on your build. Not a sales rep.
Who hires Devkrest
Three buyer profiles show up on this page most often.
Agencies past 25 to 50 agents. SaaS pricing has crossed the point where a custom platform would have been cheaper for 18 months running. AEP volume exposes the limits of the rented stack. Quote caps. PDF paywalls. AOR conflicts. The agency principal wants to own the infrastructure, not the support tickets.
Insurtechs and DCEs building a consumer brand. They have raised capital, hired marketers, and now need a quoting and enrollment experience that lives on their domain, with their funnel, their analytics, and their EDE path. Building it themselves takes 18 months and a hiring spree. Devkrest ships in 8 to 12 weeks.
Call centers and DCEs scaling agents fast. 100 to 500 agents on dialers, real time scoring, AOR routing, recording, and disposition. Off the shelf quoting tools were not designed for that volume. The right answer is custom infrastructure. Quoting, dialer, and CRM as one product, not three.
What we build
Six capability areas where Devkrest has shipped production code for paying clients in the last 24 months.
ACA quoting and enrollment
Healthcare.gov and CMS Marketplace integration, APTC and CSR math, SLCSP lookup, side by side comparison, branded PDF export. The same primitives that run inside QuoteTurbo today.
EDE (Enhanced Direct Enrollment)
Full CMS certification path, single site enrollment, agent of record handling, anomaly logging built to pass operational readiness review.
Medicare quoting (MAPD, MS, PDP)
Plan finder integration, drug formulary lookup, Star Ratings, Scope of Appointment workflow, OEP campaign mode.
ICHRA and QSEHRA
Employer side plan design, employee shopping flow, reimbursement math, payroll system handoff.
Dialer, CRM, and telephony
Five9, RingCentral, Salesforce, HubSpot, custom dialer integration. Agent screen pop, click to call, recording, disposition codes.
Consumer facing portals
White label quoting embedded into your domain, lead capture funnels, mobile first UX, SEO infrastructure.
None of this is theoretical. The same primitives ship inside the free QuoteTurbo product. Live CMS data ingest, subsidy math, branded PDF export, AI plan recommendations. The custom build is what happens when you need those primitives wired to your specific carriers, CRM, dialer, and brand.
Engagement models
Three shapes the same engineering team takes, depending on what you need. We will recommend a shape on the first call.
8 to 12 weeks
Fixed scope MVP
Scoped build with deliverables, milestones, and a defined launch date. The right fit when you already know what you need.
3 to 12 months
Embedded engineering team
Two to eight engineers plus designer and PM working as part of your team. SSO into your tools, daily standups, your roadmap.
6 to 10 weeks
White label deployment
QuoteTurbo engine on your domain with your branding, your carriers, your SSO. Devkrest operates the infrastructure.
How a Devkrest build actually runs
The shape of a typical engagement, from first call to production. No sales mystery. This is the operating manual.
Step 1
Discovery
Two week paid pilot. We map your current stack, identify the riskiest assumptions, and ship a working prototype.
Step 2
Architecture
Written architecture doc covering data model, integrations, auth, compliance posture, and the boring stuff that breaks in production.
Step 3
Ship
Weekly demos. Production by week 8 to 12 of the build. We deploy to your infrastructure or run it on ours.
Step 4
Iterate
Ongoing engineering, support, and feature work. Month to month. No long term lock in.
The two week discovery pilot is the only commitment you make up front. If we do not deliver a working prototype and a clear plan in those two weeks, the engagement ends there. Most do not. The ones that do are the ones we learned the most from.
Talk to engineering
The first call is with a Devkrest engineer who will work on your build. Not a sales rep. Not an account executive. Tell us what you are building. We will tell you whether it is a two week spike or a 12 week MVP, and what we would hand you on day one.
Send a brief. We reply in 24 hours.
Or book a 30 minute intro call directly if you prefer to skip the form.
About Devkrest, briefly
Devkrest is a custom software engineering firm headquartered in India, with clients across the US and Europe. The team has shipped production systems for health insurance agencies, fintech platforms, and retail companies since 2019. QuoteTurbo is the team's public reference implementation of an ACA quoting product. QuoteTurbo is built and maintained by Devkrest. Brokers can use it without becoming Devkrest customers. Devkrest also offers private ACA platforms as a separate engagement.
If you would rather start by trying the free tool, the QuoteTurbo plan finder is open to anyone, no card needed. Or read the breakdown of how a $0 quoting tool stays $0. Same engineering team, same operating principles. For the short version of who we are and what we will not do with broker or client data, see the about page.
More about the firm at devkrest.com.
