01
Chronic conditions are the cost driver
Diabetes, hypertension, obesity, and heart disease account for 90% of the nation's annual healthcare spending. Yet most benefit plans do nothing to prevent them — they simply pay the bill after the fact.
The healthcare cost containment platform disguised as a wellness app.
Lower costs, higher engagement, healthier employees. WellFunded transforms how companies invest in wellness, making healthcare spending smarter for everyone.
♧ HIPAA-friendly
For employers & HR leaders. No spam, ever.
1:40▲▲▲ WiFi ■
Good morning, Jane 👋
On a 12-day streak
Today's pts
95 pts
Your HRA Balance
$847.50
of $1,250 cap · 68% earned
12
Streak
4/6
Habits
$12.50
Today
Today's Wellness
4/6🥗
Breakfast logged
✓ +25✓💪
Morning workout
✓ +40✓💧
Water 5/8
+15😴
Sleep 7+ hrs
✓ +30✓📷 Log Meal
⚡ Log Habit
🏠
🥗
💪
💬
👤
✦
✦
$0.0TU.S. annual healthcare spend
0%driven by chronic, preventable conditions
~0%of employer spend is shoppable or avoidable
0×+typical wellness-program return on investment
The Healthcare Crisis
Healthcare costs are rising. Better decisions can change the story.
The system is broken. American healthcare costs are spiraling — driven by chronic disease, opaque pricing, and a benefits model that rewards consumption over prevention. Employers and employees can no longer afford to ignore it. WellFunded empowers employees to take charge of their health through wellness tracking and transparent cost comparison.
60%
of American adults have at least one chronic condition
CDC, 2023
$25,572
average annual cost of employer-sponsored family coverage
KFF, 2024
+7%
projected employer premium increase in 2025 — the largest in a decade
Mercer, 2024
$4.5T
total U.S. healthcare spend — nearly 17% of GDP
CMS, 2023
02
Costs are compounding out of control
Employer health premiums have risen more than 50% over the last decade. With projected increases of 7–10% annually, doing nothing is no longer an option. The status quo is a slow financial bleed for employers and employees alike.
03
The free ride is over
For decades, employers absorbed rising costs through richer plan designs and higher contributions. That era is ending. Companies that don't restructure how they fund healthcare will face impossible trade-offs between benefits, wages, and profitability.
04
Employees must be partners, not passengers
Sustainable healthcare cost reduction requires employees to make smarter choices — where they seek care, what they eat, how they move. Without the right incentives and tools, behavior doesn't change and costs keep climbing.
The answer isn't cutting benefits — it's aligning incentives so healthy behavior pays for itself.
WellFunded gives employers a smarter benefits structure and employees a real financial reason to engage with their health. Cost reduction through shared accountability.
How It WorksHealthy habits fund real
Healthy habits fund real
healthcare dollars.
A simple, elegant loop that aligns employee wellness with employer cost savings.
01
Employer sets the budget
Companies allocate an annual HRA or HSA fund per employee — predictable, capped, and tax-advantaged. No more surprise claims. Just a clean, set annual commitment.
→02
Employees earn through habits
Log meals with AI analysis, track workouts, sleep, mindfulness, and more. Every healthy action earns points that convert to real healthcare dollars.
→03
Funds flow to healthcare
Earned dollars go directly into the employee's HRA or HSA — spendable on qualified medical expenses, prescriptions, and more.
→04
Shop care costs transparently
Use earned credits toward lower-cost procedures. Compare MRIs, labs and more across local facilities. Keep more of your earned credits while helping your company plan save money.
ROI CalculatorSee what you could save
See what you could save
in 10 seconds.
Move the sliders. Estimates are illustrative, based on CMS shoppable-services and Harvard wellness-ROI benchmarks.
500
$7,500
$250
Current annual health spend: $3,750,000. You set the incentive cap, so your liability is always predictable.
Projected annual savings
$196,875–$262,500
Gross, before incentive spend
HRA incentive budget
$125,000
500 employees × $250
Net annual benefit
$137,500
After incentive spend
Return on incentive
2.1×
Savings per $1 invested
Figures are illustrative — roughly 5%–7% of total health spend — based on CMS shoppable-services capture plus a ~3.5% claim reduction from coaching. We stay in the middle of published wellness-ROI ranges rather than headline highs, which rarely hold up at scale. Actual results vary by group, plan, and engagement.
Platform FeaturesEverything employees need
Everything employees need
to earn & stay healthy.
One app. A complete wellness experience employees actually love using.
01
AI Meal Analysis
Snap a photo of any meal. Our AI instantly identifies food, calculates nutrition, and awards wellness points.
02
Habit Tracking
Track workouts, sleep, sunrise routines, hydration, mindfulness — every healthy habit earns real dollars.
03
Meal Planning
AI-powered weekly meal plans tailored to your health goals. Shopping lists, recipes, and nutritional targets.
04
Benefits Chat
Ask anything about your HRA, HSA, or coverage. AI-powered answers in seconds, available 24/7.
05
Care Cost Comparison
Compare procedure costs across local facilities — MRIs, labs, surgeries. Find savings, keep the difference.
06
Private Community
Join your company's private wellness community. Share achievements, encourage colleagues, build culture.
07
Maternity Wellness PlanSoon
Guided prenatal and postpartum care that earns wellness points toward an Excepted Benefit HRA (EBHRA).
08
Smoking & Vaping CessationSoon
A phased quit program with daily check-ins, craving support, and points that accrue toward HSA / HRA credits.
Inside the ProductSee exactly where
See exactly where
the magic happens.
Real screens from the WellFunded app — the same surfaces your employees and HR team will use every day.
Good morning, Jane
On a 12-day streak
Today
95 pts
Your HRA Balance
$847.50
of $1,250 cap · 68% earned
Today’s Wellness
🥗
Breakfast logged
✓ +25💪
Morning workout
✓ +40💧
Water 5/8 glasses
+15😴
Sleep 7+ hrs
✓ +30For employees
Member Dashboard
A daily wellness hub: HRA balance, streaks, today’s habits, and one-tap logging that converts healthy choices into real dollars.
- ✓Built mobile-first, works on every device
- ✓Clean, calm interface — no clutter, no confusion
- ✓Enterprise-grade security and HIPAA-friendly by design
Care Costs
Compare care costs transparently.
Our transparency engine surfaces real, negotiated prices across local facilities for 500+ procedures — MRIs, labs, surgeries, and more. Compare by cost, quality rating, network status, and wait time, then apply your earned HRA dollars directly at booking.
Benchmarks are built in — an embedded, CMS/Medicare-aligned dataset across 500+ procedures and every U.S. metro. Members can also scan a medical bill for outlier charges and set price-drop watches on the care they are shopping for.
🔍
Search 500+ procedures by name or CPT code
MRIs, CT scans, colonoscopies, blood work, physical therapy & more.
🏥
Multi-factor facility comparison
Price, quality rating, distance, wait time, and network status — all in one view.
💰
HRA coverage shown instantly
See exactly how much your HRA balance covers before you book.
🤖
AI Cost Estimator built in
Ask any question about a procedure — get instant cost guidance and HRA eligibility.
CPT 70553
MRI - Brain (No Contrast)
Potential savings
$1,620
4 facilities near youNat'l avg $1,200
BEST VALUEIn-Net
QuickScan Radiology
1.5 mi4.1Same day
$480
In-Net
Community Imaging
2.1 mi4.71 day
$640
In-Net
City Medical Center
0.8 mi4.23 days
$1,850
Out-Net
University Hospital
3.4 mi4.95 days
$2,100
Your HRA balance: $847✓ Covers best price
Cost reality checkOne platform replaces a stack
One platform replaces a stack
of point solutions.
Most employers manage a half-dozen vendors for what we deliver as one contract. Here's what that really costs — and what you give up.
Bought separately
7 vendors · 7 contracts · 7 logins
Wellness engagement & rewards platform
e.g., Wellable, WellSteps
$90
$45,000/yr
Cost transparency & care navigation
e.g., MOGL, Transarent, GoodRx
$48
$24,000/yr
Condition coaching (prediabetes & hypertension)
e.g., Omada, Vida
$35
$17,500/yr
Nutrition & meal coaching
e.g., Foodsmart, Zipongo
$36
$18,000/yr
Maternity & family health
e.g., Maven, Ovia
$15
$7,500/yr
Tobacco cessation
e.g., Pivot, 2Morrow
$6
$3,000/yr
Benefits navigation / member support
e.g., Healthee, Quantum Health
$24
$12,000/yr
Stack total (platform fees)
$254 PEPY
$127,000/yr for 500 employees
What the price doesn't count
7 onboarding cycles, 7 security reviews
Fragmented data — no single member view
Members juggle 7 apps
No vendor owns the outcome
With WellFunded
1 platform · 1 contract · 1 admin
Cost transparency + behavior-earned HRA routing + condition pathways — in one contract. Incentive dollars flow straight into your existing HRA / HSA, and the savings loop closes back to your plan.
One contract replaces 7 point solutions
One security review, one data agreement
A single member record across every program
One app for the member
We own the ROI — savings is the point
Pricing scales to your group
One stack, one number
Let's talk price
The bigger number
Platform fees are the small number.
The real return is on the claims you stop paying.
On $3,750,000/yr for 500 employees, ~5%–7% of spend — the same model as the ROI calculator — projects $196,875–$262,500/yr in avoided claims. We use the middle of published wellness-ROI ranges rather than headline highs.
Projected claim savings
$196,875–$262,500
low to high, by engagement
The real comparison
Claims saved
vs. stack fees gone
Illustrative figures from public vendor/industry sources, 2025–2026, excluding incentive dollars. Claim-savings use the same model as the ROI calculator (~5%–7% of spend). Actual results vary.
Security & Compliance
Compliance you can audit.
Real, HIPAA-aligned engineering — not a checkbox. Every sensitive action is logged, every file is private by default, and every access is scoped.
HIPAA audit logging
Every PHI-touching action is captured in an immutable audit log to satisfy §164.312(b) audit controls.
Row-level security
Each member’s records are isolated by user identity; admin access is scoped and logged.
Private file storage
Insurance cards and sensitive documents are stored privately and served only through short-lived signed URLs.
Brute-force protection
Auth and investor gates use timing-safe verification with exponential lockouts after repeated failures.
BAA readiness
Business Associate Agreement terms are available for covered-employer and plan partners.
SOC2 roadmap
Controls are mapped to SOC2 common criteria, with a documented path toward Type I attestation.
PricingPricing tailored to your group.
Pricing tailored to your group.
Let's talk.
Final pricing depends on headcount, plan design, and the engagement model that fits your team. Reach out and we'll put a number in front of you.
Pricing coming soon
We're finalizing published pricing. In the meantime, request early access and we'll walk you through options, including a savings-share model that aligns our fee with your results.
Ready to contain costs
and keep employees healthy?
Join forward-thinking employers building a healthier, more predictable benefits future.
Or email us at hello@wellfunded.ai
For employers & HR leaders only. No spam, ever.