A health reimbursement arrangement covering out-of-pocket costs when employees join a spouse's plan.
The Total Care Option is Healia's flagship health reimbursement arrangement for employers with dual-income families. When an employee enrolls in a spouse's health plan instead of the employer's, the TCO enables the employer to reimburse the family's out-of-pocket costs and premiums, cutting employer costs by up to 76 percent per household.
Healia manages setup, plan documents, employee education, and the entire claims reimbursement process in-house, and includes a free AI-powered decision support tool that helps employees compare household plan options side by side.
| Attribute | Total Care Option | ICHRA Platform | |
|---|---|---|---|
| Provider | |  Savvy$150k disclosed funding | |
| Founded | 2022 | 2019 | |
| Sells To | Enterprise | — | |
| Pricing Model | Recurring, SaaS | Recurring | |
| Ownership | Private, Venture-backed | Private equity-backed, Venture-backed |
Provider
Founded 2022
Sells To Enterprise
Pricing Model Recurring, SaaS
Ownership Private, Venture-backed
Provider Savvy$150k disclosed funding
Founded 2019
Sells To —
Pricing Model Recurring
Ownership Private equity-backed, Venture-backed
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