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Modern health insurance for dual income families
Healia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs. We’re now up to 50+ customers coast-to-coast with over 40k employees using our product!
Healia offers a Total Care Option (TCO) Health Reimbursement Arrangement (HRA) designed to cover employees, spouses, and dependents who choose a spouse’s plan, aiming to reduce employer costs while providing up to 100% of family out-of-pocket expenses covered. It targets dual-income families and positions itself as a smarter health benefit that simplifies cost management for both employers and employees.
Healia provides a Total Care Option (TCO) HRA that covers premiums and out-of-pocket costs when employees enroll in a spouse’s health plan. The product includes an AI-powered decision support tool that analyzes plan details to show true household costs side by side, plus end-to-end claims management with fast reimbursements. The service is marketed as a three-step process: employees enroll in their spouse’s plan, employers provide the TCO to cover expenses (copays, coinsurance, deductibles, premiums on the spouse’s plan), and Healia handles the claims process and reimbursement to employees’ bank accounts.
Who it’s for: Employers (across industries) looking to reduce healthcare costs while offering a family-focused benefit to dual-income households; HR leaders and benefits teams managing health plan costs for employees with spouses on separate plans.
Public mention of hundreds of employers and brokers using the solution; references to employer cost reductions and ROI discussions; product launched with a specific offering (TCO) and AI decision tool. No explicit funding round mentioned.
Priyang is a founder with 10 years of experience in healthcare, insurance, and software development. He was the 15th employee at Root Insurance (1st PM), and helped scale it to 1,500 employees and a $6.5B IPO. Previously, he was the 20th employee at Olive AI ($4.5B valuation).
We enable companies to cover the expenses of employees on their spouse's health plan, saving companies $10k per family
Healia offers a product that allows employers to pay the out-of-pocket costs and premiums for employees who enroll in their spouse’s health insurance plan, reducing costs by about $10k per enrolled family and providing full coverage of the family’s health costs as a perk. The company reports 50+ customers and 40k+ employees using the product as of 2025, plus a separate cost-comparison tool for employees.
From the original launch (Feb 2024) — may be outdated.
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