If you're self-insured (BVSD, BCH, Boulder mid-market), AgenticHSA is designed to layer on top of your existing HDHP+HSA plan: a spend agent, LMN drafts that a licensed physician signs or declines, HSA optimization, an audit record. It isn't live yet. Early access: tell us about your group.
AgenticHSA is in early access. Nothing can be bought here. Tell us about your group and a founder will follow up. A physician reviewing a Letter of Medical Necessity may sign it or decline it, case by case.
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
Designed so every LMN draft goes to a licensed physician (via altru.care) who signs it or declines it, case by case, under IRS §213(d), with a hashcare record so it can be checked later. Not live yet.
Your data
Utilization you can see
Planned 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 is planned
A planned 30 days from agreement to first employee enrollment.
The design: no EHR integration, no HDHP migration, no HRIS plumbing. It uses what you already have. None of this runs yet.
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. Each employee walks through the spend-scan and sees which of their past expenses may have qualified for HSA money, case by case.
Week 3
First LMNs. Physicians (via altru.care) would review the first batch — signing what qualifies, declining what doesn't — and employees approve any reimbursement.
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.
Early access
Tell us about your group.
A founder reads every form. We'll reply with where AgenticHSA stands, the planned rollout, and answers to the questions your benefits broker will ask.
No marketing list. No recorded demo. A founder reads every form personally. How what you send is kept: privacy notice.