Cultural Narrative

Many of the scariest health decisions we make aren’t about illness or injury. They’re about money.

In our choices around health plans and deductibles, we are forced to predict the future of our finances and our health — or risk being unable to pay for the care we need. No one likes to deal with it. Few of us can afford not to. It’s not fun even when it works. When it breaks, it’s a nightmare.

How we pay for health care keeps us bracing for surprises (never the good kind). A single misstep can mean months of hassles and worry. It’s enough to make you dread seeing a doctor — or worse, avoid it altogether.

HSA companies should offer solutions. Instead they’re part of the problem.
 Hidden fees and hidden motives are part of their business plan, designed to put our dollars out of sight, out of mind and out of circulation. Without incentive to improve, their assets accumulate as our peace of mind erodes.

Turns out what’s good for Wall Street isn’t good for Main Street. Our money and our health are intimately connected. Health hardship can lead to financial hardship and vice-versa. Avoiding pitfalls and navigating wisely is crucial to our mental and physical wellbeing. It’s about more than rates, fees and deposits. There’s a deeper bottom line: living the healthy lives we want, today and for decades to come.

Our health is too precious to waste worrying whether we can afford it. 
That’s what drives us. Born out of a health plan in 1982, we know this world better than anyone: The players and pain points, the everyday journeys and tough choices people have to make… and what’s at stake when things go wrong. That understanding compels us to put people’s health and happiness ahead of dollars and cents. And it shows.

“Literally the best service experience I've had in as long as I can remember.”

“I can’t say enough good things about her willingness to help me.”

“I had no idea it could be like this.”

“Her communication and support have been amazing!”

“Thank you for having such wonderful staff on board.”

“I do not think I could have figured this out on my own.”

Welcome to feel-good health finance… 
from HR to the ER to Rx to the IRS.

Intuitive, accessible, frictionless, ready when you need it. 
Fires put out, loose ends tied up before you have to ask. Pro-active guidance to do more with your money. Just call, click, tap or swipe to access your dollars on your terms. 
Beyond a Health Savings Account, it’s a Health Living Account, seamlessly connecting money, health and life every day.

This is how it feels when things just work. Confident your bases are covered. Calm when things go wrong. Able to focus on family, work, long-term plans and everything else that matters to you beyond money. Call it healthy peace of mind.

And we’re just getting started. Having made the perfect HSA, we’re going where no one has gone before:

• Easy access to funds when the unexpected arises (need a line of credit? can do)

• Incentives for healthy behaviors (here’s an extra reward for hitting the gym)

• Connecting you to services and discounts when you need them (may we recommend…)

• Assistance to prepare for care before you need it (let’s plan for that surgery, shall we?)

• Amazing technology companies use to power health finance and beyond…
 (actually, that’s already happening).

We’re evolving every point of interaction between money and health so it works again for Main Street. Take that to the bank. We don’t stop at good enough. We don’t solve one problem and call it a day. We keep going until all the pieces are in sync with the lives they’re meant to serve.

Health finance at the speed of life.

What We Did

The Outsider Advantage™ Program
Customer Portal Design
Sales Collateral
Content Direction & Execution
Consumer Experience Collateral
Corporate Environment