Together, we deliver better benefits

Healia’s Total Care Option allows you to significantly lower your clients' costs while providing an innovative new benefit.

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What employers are saying

Trusted by hundreds of employers and brokers nationwide.

The challenges brokers face:

Rising cost of care

Year after year, healthcare costs continue to rise. Clients turn to you for solutions, but reducing costs without cutting value is harder than ever.

Spouse & family risk

Spouses and dependents are often the biggest driver of costs. The richer your client's plan is, the greater the added risk.

Client retention

Companies expect quality benefits that attract and retain talent. Without innovation, it’s difficult to control costs and stand out from competitors.

Introducing

The Total Care Option (TCO)

A competitive edge for brokers

The TCO is a Health Reimbursement Arrangement (HRA) that helps your clients cover premiums and out-of-pocket costs when employees, spouses, or dependents move to a spouse's plan with their employer. By introducing the TCO, you give your clients a benefit that lowers costs, reduces pressure on HR, and helps recruit and retain the best employees.

Up to 100% cost coverage in three easy steps

Family enrolls in the spouse’s plan

Simple, easy, and familiar with no formal coordination required.

Your client provides an HRA to cover costs

The HRA can cover copays, coinsurance, deductibles, and premiums.

We manage the entire claims process in-house

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

Year-round support from day one

Get Started

Setup & compliance

We handle everything from creating plan documents and SPDs to working with the HRIS vendor so you and your clients can rest easy.

Education & enrollment

We provide employee education, open enrollment support, and guidance throughout the plan year, making education a breeze.

Plan guidance

We offer simple but powerful decision support technology that simplifies decision-making for employees and their families.

Administration & claims

Plan administration is on us. We review claims, reimburse enrollees, and check eligibility, making sure everything is followed to the tee.

Ongoing support

Our support is year-round. Our dedicated account managers are there for you and your clients via phone, text, and email.

Smarter decision support for employees

Our AI-powered decision support tool helps every employee compare all health plans, including a spouse’s, to see true household costs side-by-side in minutes. With personalized recommendations, families can confidently choose the best plan, companies can cut unnecessary costs, and everyone saves time and money.

The best part? It’s completely free for your entire workforce.

under

2 min

for a health plan analysis

average

$2,100

family savings per year

Simple, transparent, and enrollment based

No extra fees

Companies only pay for families that enroll in the TCO

No setup costs or monthly minimums

Decision Support Tool included at no extra charge

Proven results you can take to your clients

Healia delivers measurable results you can bring directly to your clients

For families, Healia means less stress about bills and more comfort knowing expenses are covered

up to

35%

reduction in costs on households that elect the TCO

up to

$26,000

in additional coverage for households that need it most

Trusted by Leading Brokers

1,000+

quotes delivered to brokers
already

1,250+

brokers actively quoting
with Healia

95%

of top brokerage firms
partner with Healia

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.’’

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.’’

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.’’

Become a Partner Today

Join the thousands brokers already using Healia to win new business, retain clients, and deliver better benefits.

Become a Partner

Get a quote for your clients today

All we need are a few details to get started:

Benefits guide or SBC’s
Plan enrollment by coverage tier
Premium contributions or fully insured equivalents along with HSA/HRA contributions
Total benefits eligible headcount

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