You're self-employed. Income goes up and down. Under OBBBA, states can't verify your 1099 income automatically — so you'll lose Medicaid unless someone proves you're working. When your income rises above the Medicaid threshold, the same agent pivots you to an HDHP and opens your HSA. One membership. Every life stage.
You connect your accounts once. We attest continuously. Your ComfortCard wallet holds every document a state agency could ever ask for.
Pulls your 1099 payments, Stripe/Gusto/PayPal payouts, and bank deposits. Produces a signed monthly statement showing you earned the 80-hour federal-minimum-wage equivalent. No W-2 needed.
Pulls timesheet signals from your calendar, GitHub commits, Linear/Jira tickets, Notion edits — whatever your stack is. Categorizes hours against OBBBA-qualifying work activity.
Screens you against all 8 OBBBA exemption categories: medical frailty, caregiving, pregnancy, SUD, disability, foster youth, veteran, TANF. Routes medical cases to a licensed physician for attestation.
You can't contribute to an HSA while on Medicaid — IRS rules. The moment your income crosses the threshold and you're about to lose Medicaid, the agent flips: routes you to the best HDHP + HSA for your state, opens your account, unlocks the tax advantage the same month.
Files your attestation packet directly to your state Medicaid agency where e-filing exists (starting with Nebraska, which begins May 2026). For others, we pre-fill the forms for you to submit.
Every attestation, every statement, every physician letter lives in your ComfortCard health identity wallet. Auditable. Portable. Yours forever — even if you cancel.
ComfortCard is your health identity wallet. AgenticHSA is the engine that keeps your coverage. One membership. Two products. Zero paperwork.