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
🏠
🥗
💪
💬
👤
✦
✦
CappedMax HSA/HRA liability for employers
LowerPremiums vs. traditional PPO plans
AIPowered habit & spending guidance
HSACompatible, tax-advantaged structure
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.
Platform FeaturesEverything employees need
Everything employees need
to earn & stay healthy.
One app. Six powerful tools. A 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.
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
Coming Soon
Maternity wellness plan
Expecting mothers can follow a guided prenatal and postpartum care plan that earns wellness points toward an Excepted Benefit HRA (EBHRA). Full details available once enrolled.
Coming Soon
Smoking & vaping cessation
A phased quit program with daily check-ins, craving support, and wellness points that accrue toward HSA / HRA credits. Full details available once enrolled.
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.
Coming soon: Live API connection to a national pricing transparency network for real-time verified rates.
🔍
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
For Employers
Lower costs, higher engagement.
WellFunded transforms how companies invest in wellness, making healthcare spending smarter for everyone.
ROI Calculator
Move the sliders to model your savings vs. a traditional PPO.
Employees250
Current PPO premium / employee / mo$650
WellFunded adoption rate50%
Annual HRA contribution / employee$750
Estimated annual savings
$502K
a 26% reduction vs. your current PPO plan
$94K
HRA spend
$2K
Per employee
5.4×
ROI multiple
Current PPO (employer share)$1.9M/yr
HDHP + WellFunded HRA$1.5M/yr
HRA contributions are performance-based — you only fund them for employees who engage. HDHP employer premium ~72% of PPO (KFF 2025); blended steerage & behavior savings per engaged employee (Whaley 2017; IHA 2020). Estimates only.
Contain costs. Retain talent.
WellFunded helps companies reduce healthcare spend, increase employee engagement and improve overall employee wellness.
Lower plan premiumsSwap your PPO for an HSA-compatible high-deductible plan — reducing base premium costs for the company and employees.
Capped HSA/HRA fundingSet a max annual contribution per employee. Employees who engage with the app earn more — those who don't cost you less.
Claims savings from healthier employeesBetter habits, fewer chronic conditions, and more informed care decisions reduce claims over 12–24 months.
Smarter healthcare purchasersEmployees compare costs across local facilities before spending — saving the plan money on every procedure.
Tax-advantaged structureHSA contributions are pre-tax for both employer and employee, reducing overall payroll tax burden.
Retention & recruitmentModern, meaningful benefits that attract and retain top talent — without the unpredictable cost of traditional PPOs.
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.
PricingSimple, transparent pricing.
Simple, transparent pricing.
You set the cap.
Platform fees are a fraction of what you'll save on healthcare claims. Every plan pays for itself.
Starter
For small teams getting started with wellness benefits.
Custom
per employee / yearUp to 50 employees
HRA/HSA compliance setup
Core habit tracking
AI meal analysis
Aggregated analytics dashboard
Email support
Growth
The full platform for mid-size employers serious about cost containment.
Custom
per employee / yearUp to 500 employees
Everything in Starter
Care Cost Comparison
White-label branding
Benefits AI chat
Private community feed
Meal planning suite
Priority support
Enterprise
Custom deployments for large employers and health systems.
Custom
per employee / yearUnlimited employees
Everything in Growth
SSO & HRIS integration
Custom wellness programs
Dedicated success manager
SLA & compliance support
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.