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.
For employers & HR leaders. No spam, ever.
WellFunded
Earn money for your health.
Every healthy habit funds your HRA.
AI Meal Analysis
Photo your food — AI scores it instantly
Track Habits
Workouts, sleep, sunrise & more
Fund Your HRA
Points convert to real healthcare dollars
Today's Earnings
+$12.50
HRA Balance
$847
The system is broken.
Someone has to fix it.
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.
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
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.
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.
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.
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.
Healthy habits fund real
healthcare dollars.
A simple, elegant loop that aligns employee wellness with employer cost savings.
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.
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.
Funds flow to healthcare
Earned dollars go directly into the employee's HRA or HSA — spendable on qualified medical expenses, prescriptions, and more.
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.
Everything employees need
to earn & stay healthy.
One app. Six powerful tools. A wellness experience employees actually love using.
AI Meal Analysis
Snap a photo of any meal. Our AI instantly identifies food, calculates nutrition, and awards wellness points.
Habit Tracking
Track workouts, sleep, sunrise routines, hydration, mindfulness — every healthy habit earns real dollars.
Meal Planning
AI-powered weekly meal plans tailored to your health goals. Shopping lists, recipes, and nutritional targets.
Benefits Chat
Ask anything about your HRA, HSA, or coverage. AI-powered answers in seconds, available 24/7.
Care Cost Comparison
Compare procedure costs across local facilities — MRIs, labs, surgeries. Find savings, keep the difference.
Private Community
Join your company's private wellness community. Share achievements, encourage colleagues, build culture.
A birth plan that
pays you back.
Expecting mothers who follow WellFunded's maternity wellness plan earn up to $2,200 in an Excepted Benefit HRA (EBHRA) — tax-free funds dedicated to birth-related costs like labor & delivery, prenatal care, and newborn expenses.
What is an EBHRA?
An Excepted Benefit HRA is an IRS-approved account that employers can fund separately from your main health plan — with no deductible requirements. It can be used for maternity-related copays, hospital bills, prenatal vitamins, and newborn care not covered by your primary insurance.
Up to $2,200 in your EBHRA
Complete every activity track and receive the maximum employer EBHRA contribution — deposited as birth-related costs are incurred.
Prenatal
$900
Labor & Delivery
$700
Postpartum
$600
Birth Plan Activity Tracks
1705 total pointsResearch OB/BYN vs. Midwife
+150 ptsCompare OB/GYN and midwife care models to choose the provider that fits your birth preferences.
Build birth plan and schedule first appointment
+100 ptsDraft your birth plan inside the app and book your first prenatal visit to establish care early.
Compare in-network delivery hospitals
+75 ptsCompare two or more in-network hospitals on C-section rate, episiotomy rate, and other maternity quality metrics before choosing your delivery facility.
Complete hospital quality metrics module
+50 ptsFinish a short module explaining what C-section and episiotomy rates mean — and what questions to ask your provider when a hospital sits above the national target.
Attend all scheduled prenatal visits
+100 ptsLog each scheduled prenatal visit through the app to track your care journey and earn points per visit.
Complete first-trimester intake & risk screening
+150 ptsSchedule and log your first OB/GYN intake visit early — earlier screening means earlier intervention for any risk factors.
Complete a benefits literacy module
+75 ptsUnderstand exactly what your plan covers for maternity care — from prenatal labs to delivery and postpartum follow-ups.
EBHRA eligible expenses
Labor & delivery costs
Prenatal copays & labs
Prenatal vitamins & supplements
Doula or midwife services
Newborn well-visit copays
Breastfeeding supplies
Postpartum mental health care
Cord blood banking
Quit smoking.
Get paid to stay quit.
WellFunded's phased cessation program is one of the many ways participants earn wellness points that accrue toward HSA / HRA credits. Build a smoke-free streak, log daily compliance, and get support at every craving — all while adding to your overall points balance.
One part of your wellness journey
Quitting activities accrue points alongside your other healthy habits — logging meals, workouts, sleep, and care milestones — all contributing to the HSA / HRA credits you earn over time.
Quit Program Activity Tracks
1465 total pointsSet a quit date within 14 days
+100 ptsCommit to a specific quit day in the next two weeks — setting a date dramatically increases success rates.
Write your reasons to quit
+50 ptsDocument the personal, health, and financial reasons you are quitting — and re-read them when cravings hit.
Identify your smoking triggers
+50 ptsLog the times, places, and emotions that drive you to smoke so you can plan ahead for each one.
Talk to your provider about NRT or medication
+100 ptsDiscuss nicotine replacement therapy, bupropion, or varenicline. Combination therapy roughly doubles quit rates.
Call 1-800-QUIT-NOW for a free quit coach
+75 ptsGet matched with a confidential quit coach who builds a personalized quitting plan with you.
Remove tobacco from home, car & work
+50 ptsClear out cigarettes, lighters, ashtrays, and any reminders from every environment you live and work in.
Stop overpaying for care.
Shop smarter. Keep the savings.
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
QuickScan Radiology
$480
Community Imaging
$640
City Medical Center
$1,850
University Hospital
$2,100
Annual Savings Estimator
PPO vs. HSA + WellFunded — move the slider
Premium savings
$391K
Procedure savings
$207K
Total savings
$597K
Overall cost reduction vs. PPO
24%
Premium: KFF 2025. Outpatient: Whaley et al. 2017 (12.5% steerage savings). Surgical: IHA 2020 (45% reduction vs. standard billed rate).
Contain costs.
Retain talent.
WellFunded helps companies reduce healthcare spend, increase employee engagement and improve overall employee wellness.
Built for real people,
delivering real results.
"Our employees love earning real money for staying healthy — it changed the entire culture around benefits."
VP of People
Technology Industry
"I've earned over $1,200 this year just by doing things I was already trying to do — eating well, sleeping enough, exercising. It pays me to be healthy. That's wild."
Enrolled Employee
Software & Engineering
"The care cost comparison feature alone saved our CFO from a jaw-dropping moment. An employee found the same MRI for $480 instead of $2,100. The savings are real."
HR Director
Healthcare Industry
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.
per employee / year
Growth
The full platform for mid-size employers serious about cost containment.
per employee / year
Enterprise
Custom deployments for large employers and health systems.
per employee / year
Ready to contain costs
and keep employees healthy?
Join forward-thinking employers building a healthier, more predictable benefits future.
For employers & HR leaders only. No spam, ever.