Reduce costs without cutting benefits

Our Total Care Option helps companies reduce their healthcare costs while providing families a benefit that covers up to 100% of their medical expenses.

See how it works

What employees are saying

Trusted by hundreds of employers and brokers nationwide.

The challenges employers face:

Rising healthcare costs

Premiums increase year after year, putting pressure on budgets and making it harder for you to keep benefits sustainable.

Taking on unnecessary risk

Roughly 30% of your employees have coverage options through a working spouse, yet many still enroll in your plan, leading to unnecessary costs.

Recruitment and retention challenges

Your employees still expect high quality, competitive benefits, making cost containment without benefit reduction a constant challenge.

Introducing

The Total Care Option (TCO)

Control costs without
cutting benefits

The TCO is a Health Reimbursement Arrangement (HRA) that covers premiums and out-of-pocket costs for employees, spouses, and dependents who enroll in a spouse’s plan with their employer. It turns an expensive risk into a predictable, capped expense while providing your employees more health insurance coverage than your plan can alone.

Provide families 100% coverage while reducing company expenses

Your employees move to a spouse’s plan

Enrollment is simple and familiar with no disruption to your current benefits offering.

You provide funding through an HRA

The HRA reimburses copays, coinsurance, deductibles, and premiums while keeping costs capped and predictable.

We take care of claims and reimbursements

Employees submit claims to Healia and receive quick payments directly to their bank accounts with zero extra work for HR.

up to

35%

reduction in healthcare spend

as much as

$26,000

in additional coverage per family

Higher employee satisfaction with a benefit that saves both money and stress

Full support for your team and employees

Get Started

Getting started

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

Education & Guidance

We provide education, open enrollment support, and a powerful decision support tool to help employees pick the best health plan.

Managing claims

We handle plan administration, process claims accurately, and reimburse employees quickly and directly.

Year-round support

We are here year round to support your HR team and your employees whenever questions come up.

Smarter decision support for your workforce

Choosing a health plan can be overwhelming, especially when families are weighing options across two employers. Our AI-powered Decision Support Tool makes it easy by comparing the true cost of every plan option in minutes. Employees choose confidently, HR teams field fewer questions, and the tool is completely free for your entire workforce when offered with the TCO.

under

2 min

best plan recommended

average

$2,100

family savings per year

Straightforward, simple, and entirely enrollment based

No added costs

Only pay for households that enroll

No setup fees or monthly minimums

Decision Support Tool included at no extra charge

The rare win-win in healthcare

Traditional benefits force tough choices between higher costs or worse coverage.

With Healia’s Total Care Option, you don’t have to sacrifice benefits for cost reduction.

up to

35%

lower employer costs per household

up to

$26,000

in extra coverage for each household

What employers are saying

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.’’

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.’’

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.’’

Start with Healia today

Join hundreds of other companies already lowering costs and delivering stronger benefits for their teams.

Get Started