For self-insured employers

A wellness benefit employees actually use — and one that pays for itself.

If you're self-insured (BVSD, BCH, Boulder mid-market), AgenticHSA layers on top of your existing HDHP+HSA plan. Spend agent. Physician-reviewed LMN drafting. HSA optimization. Audit shield. Annual virtual home assessment. Same agentic HSA layer families use Early access: ask for a quote.

Self-insured group rate

Quoted per group

AgenticHSA is in early access and has no live checkout, so no price is published. Tell us about your group and we will come back with a quote. A physician reviewing a Letter of Medical Necessity may sign it or decline it, case by case.

Get a quote →

Why employers buy this

The benefit that shows up in three P&Ls.

When your employees use their HSA correctly, three lines move at once: their take-home rises, your payroll-tax expense drops, and your benefit-utilization ratio improves at renewal.

7.65%

Employer FICA savings

When HSA contributions run through payroll under a cafeteria plan, the employer does not owe the 7.65% FICA + Medicare match on those dollars. Contributions made outside payroll do not get this.

Pre-tax

Employee tax savings

Savings depend on each employee's bracket, contribution and what actually qualifies. No average is promised here.

Signed or declined

Physician-reviewed

Every LMN is reviewed by a licensed physician (via altru.care) who signs it or declines it, case by case, under IRS §213(d). Each one is hashcare-receipted so the record can be checked later.

Your data

Utilization you can see

Reporting shows how many employees used the benefit and how many letters were signed or declined. We have no utilization result to quote yet.

How rollout works

30 days from signed agreement to first employee enrollment.

No EHR integration. No HDHP migration. No HRIS plumbing. We use what you already have.

Week 1

Eligibility file. You send a CSV (or SFTP, or HRIS connector) with covered employees + dependents. We provision ComfortCard wallets in Apple Wallet for each.

Week 2

Plan onboarding. Employees connect their HSA-bank, Plaid, or card. Sage walks each one through the spend-scan and shows what they've already paid for that could've been HSA-eligible.

Week 3

First LMNs. Physicians (via altru.care) review the first batch — signing what qualifies, declining what doesn't. Employees see the dollars route. The benefit becomes felt, not theoretical.

Week 4 — ongoing

Reporting. Quarterly: utilization rate, pre-tax dollars reimbursed, FICA savings to your group, attestation audit log. CSV export to your benefits broker.

Request a quote

Tell us about your group.

A founder reads every form. We'll come back within 48 hours with a per-employee rate, a 30-day rollout plan, and answers to the questions your benefits broker will ask.

No marketing list. No recorded demo. A founder reads every form personally.