The #1 Health Benefit for Families

Healia helps employers reduce their healthcare costs significantly while providing families a benefit that covers up to 100% of their out-of-pocket costs.

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What Employers Say

Trusted by hundreds of employers and brokers nationwide.

30 million dual-income families. Zero tailored solutions

Nearly half of all married households in the U.S. have two working spouses. Yet when it comes to health insurance, there are no solutions that help them manage their costs across both health plans. Companies also pay tens of thousands every year for avoidable claims.

HR leaders nationwide trust Healia to deliver real results

Introducing

The Total Care Option (TCO)

A Smarter Way to Cover Family Health Costs

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The TCO is a Health Reimbursement Arrangement (HRA) that enables companies to cover premiums and out-of-pocket costs for employees, spouses, and dependents who choose a spouse’s plan instead of the company's plan. This approach helps families get up to 100% of their expenses covered while reducing a company’s costs.

‍The impact: up to 35% lower company costs and up to $25,000 in extra coverage per family.

up to

$26,000

in healthcare costs saved by families annually

up to

35%

lower employer costs per year

What everyone is saying

Emily Higbie

Strategic Rewards Partner at Bloomreach

’’Healia has been really great for our employees. Utilization has been strong, the experience has been seamless, and the 4x return on investment has been amazing for our finance team.’’

Dave Fredrickson

AVP of People and Culture at Bethel University

’’The Healia team went above and beyond to educate both our HR staff and employees, even coming on campus to ensure everyone understood how to make the most of the benefit.’’

Kristy Rosenberger

Benefits Manager at Adswerve

’’Switching to Healia was a game-changer for our company. The AI tool makes everything so simple. And truly working for both the employer and the employee.’’

Angela Pazer

Total Rewards Manager at Thirty Madison

’’Healia really stood out to us from the start. Their team made implementation smooth, and employees appreciated having another option that could truly save them money.’’

Suzanne Graham

Human Resources Manager at NREMT

’’We value our employees and want to provide rich benefits. Healia's Total Care Option helps us do that while reducing our overall costs and exposure to rising premiums year after year.’’

Angie Lopez

Benefits Adminstrator at Bethel University

’’The Healia team has been a reliable, supportive partner. Implementation was seamless, the experience stress free, and our employees love how easy it is to use.’’

Monet Hall

Staff Accountant at Adswerve

’’Healia is 100% saving me money on my healthcare costs. They've helped me get a lot of my medical expenses reimbursed, so we're not seeing the same hit to our account as we were before. I fully support Healia and think what they're doing is great.’’

Up to 100% cost coverage in three easy steps

Employees enroll in their spouse’s plan

Enrollment is simple, easy, and familiar with no formal coordination required by either employer.

Employers provide the TCO to cover expenses

The TCO can cover copays, coinsurance, deductibles, and premiums incurred on the spouse's health insurance plan.

Healia manages the entire claims process

Fast reimbursements and accurate payments are handled without added work for HR.

Tools to Educate

Families often struggle to compare health plans, especially when both spouses have options. Our AI-powered Decision Support Tool analyzes plan details in minutes and shows true household costs side by side.

under

2 min

for a health plan analysis

average

$2,100

family savings per year

Tools to Simplify Claims

We manage the claims process end-to-end so employees are reimbursed quickly and HR avoids extra work. Employees can submit claims in under a minute, with payments sent directly to your bank account.

under

1 min

to submit a claim to Healia

average

95%

claims handled within 48 hours

The rare win-win in Healthcare

Traditional benefits force families and companies to compromise. Our Total Care Option helps everyone win.

up to

35%

lower employer costs per enrolled household per year

up to

$26k

in additional cost relief for enrolled households

Families win

Up to 100% coverage of medical expenses with no copays, coinsurance, or deductibles

Potential for zero premium costs

Stronger financial support than traditional employer group health plans alone

Companies win

Incredible new benefit for retention and recruitment

Unpredictable high-cost claims turned into predictable HRA expenses

Thousands saved per enrolled family while improving employee satisfaction

Ready to rethink employee benefits?

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