Health In Tech Inc-A 2025年度报告

FORM 10-K ☒Annual Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2025 OR ☐Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from___________to___________ Commission File Number: 001-42449 Health In Tech, Inc.(Exact name of registrant as specified in its charter) Nevada87-3545722(State or other jurisdiction ofincorporation or organization)(I.R.S. EmployerIdentification No.) 701 S.Colorado Ave, Suite 1Stuart, FL34994(Address of principal executive offices)(Zip Code) (Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Name of each exchange on whichregistered Securities registered pursuant to section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes☐No☒ Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes☐No☒ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2) has been subject to such filing requirements for the past 90 days. Yes☐No☒ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that theregistrant was required to submit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company” and “emerging growth company” in Rule12b-2 of the ExchangeAct. Accelerated filer☐Smaller reportingcompany☒Emerging growthcompany☒ Large accelerated filer☐ Non-accelerated filer☒ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectivenessof its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☐ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of theregistrant included in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes☐No☒ Aggregate market value of voting stock held by non-affiliates of the registrant, based on the closing price of the shares of Class Acommon stock on the Nasdaq Stock Market on June 30, 2025 was $12,720,915. As of March 25, 2026, there were 48,258,276 shares of Class A common stock outstanding and 11,700,000 shares of Class B commonstock outstanding. DOCUMENTS INCORPORATED BY REFERENCE TABLE OF CONTENTS PagePART IItem 1Business1Item 1ARisk Factors13Item 1BUnresolved Staff Comments34Item 1CCybersecurity34Item 2Properties36Item 3Legal Proceedings36Item 4Mine Safety Disclosures36PART II Item 5Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities37Item 6[Reserved]37Item 7Management’s Discussion and Analysis of Financial Condition and Results of Operations38Item 7AQuantitative and Qualitative Disclosures About Market Risk49Item 8Consolidated Financial Statements and Supplementary Data49Item 9Changes in and Disagreements with Accountants on Accounting and Financial Disclosure49Item 9AControls and Procedures49Item 9BOther Information50Item 9CDisclosure Regarding Foreign Jurisdictions that Prevent Inspections50 Item 10Directors, Executive Officers and Corporate Governance51Item 11Executive Compensation57Item 12Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters65Item 13Certain Relationships and Related Transactions and Director Independence67Item 14Principal Accountant Fees and Services68 Item 15Exhibits and Financial Statement Schedules68Item