Coming soon. Attorney review of LMN model in progress — early access list open now. Active launch Q3 2026.
agenticHSA
agentichsa · early access open now

The average American leaves $1,200 in their HSA unused every year.

Most do not know what is eligible. An AI agent that does. Paste your EOB. In 30 seconds, it tells you what you should have put through your HSA. AgenticHSA monitors your transactions, flags eligible expenses, surfaces LMN opportunities, and optimizes spending across FSA, HSA, and DC-FSA. No HR department. No insurance expertise required. Just pre-tax dollars working the way they were designed to.

Join the early access list See how it works
no w-2 needed · 1099 + Stripe + Plaid · HIPAA-safe · attorney review in progress
things you're already paying for · pre-tax with the right LMN

You're already paying for these. Just not pre-tax.

therapy
$1,800
HSA-eligible with a mental-health diagnosis on file. A 30-min session at $200 → $140 effective at the 30% bracket. Stack 30 sessions a year and that's $1,800 back in your pocket.
ergonomic equipment
$360
Standing desk + ergonomic chair: HSA-eligible with documented back or repetitive-strain. $1,200 of equipment → $840 effective. The LMN takes 90 seconds to draft. The physician signs in 24 hours.
wellness stack
30%
Gym, CGM, sleep tracker, sauna, cold plunge, weighted blanket, blue-light glasses — all HSA-eligible with the right LMN. Your stack of "wellness" purchases turns into 30% off, every year, on autopilot.
Effective savings depend on your federal + state bracket and HSA contribution capacity · §213(d)-compliant LMNs · physician-attested via altru.care
the agentic layer

Five agents run in the background. Every month. For you.

You connect your accounts once. The agent watches your spend, drafts the LMNs, gets them signed, and reimburses you pre-tax. You write code; we handle the paperwork.

1

Spend agent

Connects to your card + Plaid + Stripe + Apple/Google Pay. Categorizes every health-relevant transaction (therapy, gym, supplements, devices, services) and flags the ones that could be HSA-eligible with the right LMN.

connectors · Plaid, Stripe, Apple/Google Pay
2

LMN drafter

For each flagged purchase, drafts a §213(d)-compliant Letter of Medical Necessity tied to a real diagnosis from your record (or, if none, asks you 3 questions). The draft is reviewed and signed by a licensed physician within 24 hours.

physician overlay · altru.care · 24-hr SLA
3

HDHP + HSA opener

If you don't have an HDHP yet, the agent picks the best one for your state, opens the matching HSA, and routes contributions automatically. If you already have one, it just plugs in. Either way: max-out your annual HSA contribution ($4,300 individual / $8,550 family in 2026) without thinking about it.

irs-correct · auto-contribute
4

Reimbursement agent

For each LMN-approved purchase, the agent reimburses you from your HSA — pre-tax. End of year, exports a clean ledger for your CPA: every purchase, every LMN, every receipt, every dollar saved. Stripe-grade reporting.

reimburse · CPA-ready ledger
5

Audit shield

Every LMN is hashcare-signed (cryptographic timestamp + physician signature + diagnosis basis). If the IRS ever asks, your audit packet is one click. Your evidence chain survives every probe — you don't have to.

hashcare-signed · §213(d) defensible
6

ComfortCard wallet

Every LMN, every receipt, every reimbursement lives in your ComfortCard health identity wallet. Auditable. Portable. Yours forever — even if you cancel.

identity · persistent · digital
one membership · everything pre-tax

AgenticHSA runs inside ComfortCard.

ComfortCard is your health identity wallet. AgenticHSA is the engine that finds you eligible spend, drafts LMNs, and routes dollars pre-tax. One membership. Two products. Zero paperwork.

spend scan

$0 · one-time

How much am I leaving on the table?
  • Connect your card → see what could've been HSA-eligible last year
  • Personalized LMN-eligibility report (typical: $400–$3,000/yr)
  • Your ComfortCard wallet created (free forever)
  • No commitment — see the savings before you subscribe
Free spend scan→
comfortcard protected

$19 · per month

Pays for itself in your first month — most builders save $1k+/yr.
  • All 6 agents running monthly
  • Up to 6 physician-signed LMNs per year (via altru.care, 24-hr SLA)
  • HDHP + HSA opening if you don't have one (or plug into your existing)
  • Annual CPA-ready ledger export (every LMN, every receipt, every dollar saved)
  • Hashcare-signed audit shield — IRS-probe defensible
  • Full ComfortCard health identity wallet — yours forever, even if you cancel
Join early access · launching Q3 2026→
how the ecosystem connects

Three brands. One mission. Your coverage, protected.

Wallet
ComfortCardyour digital health identity · holds every LMN, receipt, HSA card
Engine
AgenticHSAfive agents that run monthly · produce the attestation packet · this page
Physician
altru.care · attesting physicianslicensed clinicians review every LMN draft · sign within 24 hours · §213(d)-compliant
Marketplace
ClinicalSwipethe physician review pipeline · drafts queued, swiped, signed, hashcare-receipted · keeps your LMNs audit-defensible
Consumer
medfrail.comone-off attestation for enrollees who need a single document, direct-pay $99
Join Early Access List · Q3 2026
no w-2 required · cancel anytime · wallet stays yours