Health insurance is complex.
It doesn't have to be.
We're on a mission to help everyday people make confident decisions about their health benefits — without needing a finance degree or hours of research.
The problem we saw
Every year, billions of dollars in HSA and FSA funds go unspent or get wasted on the wrong things. Not because people don't care — but because the system is designed to confuse.
Acronyms pile up. Deadlines sneak by. Rules change. And when you finally sit down to figure it out, you're met with walls of legal jargon written for compliance officers, not real people.
We've been there. Open enrollment comes around, and suddenly you're expected to be an expert on HDHPs, contribution limits, and the difference between "eligible" and "qualified." Most people just guess — and hope for the best.
$7.2 billion left on the table
FSA funds forfeited each year due to use-it-or-lose-it rules
68% of employees are confused
About the difference between HSA and FSA accounts
50+ page benefit guides
That most people never read (and we don't blame them)
Our approach
We translate the complexity into clear, actionable guidance that meets you where you are.
Plain English, Always
No acronym soup. No fine print gotchas. We explain things the way you'd want a smart friend to explain them.
Decision-First Design
Our quizzes ask the right questions to guide you to an answer — not overwhelm you with every possible scenario.
Honest & Independent
We're not an insurance company or benefits provider. We exist to help you — and that means giving you straight answers.
What you'll find here
Free tools and resources to help you make the most of your health benefits.
HSA vs FSA Quiz
Answer a few questions about your situation and get a personalized recommendation on which account type fits your needs.
Take the quizPlan Finder
Still choosing a health plan? We'll help you understand the basics and figure out what type of coverage makes sense.
Find your planLearn Hub
Bite-sized articles that explain everything from eligibility rules to smart spending strategies — no fluff, just answers.
Start learningEligible Products
Curated picks for quality HSA/FSA-eligible products across categories like sleep, recovery, and everyday health.
Browse productsReady to take control of your benefits?
Start with our HSA vs FSA quiz — it takes about 3 minutes and gives you a clear recommendation based on your situation.