Many voluntary benefits in the healthcare ecosystem aren’t working as well as they should for members: • Only 37% of deductibles for High Deductible Health Plan (HDHP) policies are paid using pretax dollars from Health Savings Accounts • Every year, about 40% of Flexible Spending Account holders forfeit part of their contributions. • Care advocates often don’t know that a member may need help until about three months after an episode of care begins. • Obtaining a copy of a healthcare claim to support a voluntary insurance payment (e.g., for a short-term disability claim) can take anywhere from one to three months. Many voluntary benefit providers need information from healthcare payers to support their core business.

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