# Healia > Health insurance technology platform that optimizes employee costs through spousal plan coordination ## At a glance | Field | Value | | --- | --- | | Category | Customer Engagement | | Type | Solutions Provider | | Region | NA | | Headquarters | Columbus, Ohio | | Founded | 2022 | | Stage | Growth | | Employees | 11-50 | | Funding | Seed | ## Overview Healia is a health insurance technology platform for dual-income families that enables employers to reduce healthcare costs through spousal plan coordination. The company was founded by Priyang Shah, who previously served as an early employee at Olive AI (20th employee, valued at 4.5B USD) and as a senior product manager at Root Insurance (15th PM, scaled to 1,500 employees with a 6.5B USD IPO). Healia's platform allows employers to pay out-of-pocket costs for employees who enroll in a spouse's health plan, reducing annual family healthcare exposure from over 16,000 USD to less than 2,000 USD per year while saving employers approximately 10,000 USD per enrolled family annually. The company's flagship product, the Total Care Option (TCO), represents a novel spousal-based health coverage strategy that coordinates benefits across household members. Healia has built a cloud-based SaaS platform with AI-powered plan comparison tools that analyze employee household situations in under two minutes, integrating with multiple employer health plans to show total family costs across all scenarios. The platform handles comprehensive claims processing, Summary of Benefits and Coverage (SBC) document generation, and direct bank account deposits for claims, minimizing administrative burden on HR teams. Since launching in 2022, Healia has achieved significant traction with 50+ customers across the United States serving over 40,000 employees. The company secured 500K USD in seed funding through Y Combinator's W24 batch and has backing from First Round Capital, GoAhead Ventures, North Coast Ventures, and Pioneer Fund. With a team of approximately 15 staff members, Healia is actively expanding its customer base and hiring. ## Products & services ### Total Care Option \(TCO\) The Total Care Option is Healia's core insurance product that enables spousal-based health coverage coordination. Employees use their own employer's plan as base coverage while Healia's supplemental plan covers out-of-pocket costs from the spouse's plan, including copays, coinsurance, deductibles, and premiums. This structure provides 100% family health cost coverage while generating significant employer savings. **Key features:** - Spousal plan coordination and cost optimization - Out\-of\-pocket cost coverage from spouse's plan - Direct bank account deposits for claim reimbursements - Coordination with multiple employer HRIS systems - Annual savings of approximately 10,000 USD per enrolled family *Target users:* Employers with multi\-income households, HR benefit teams ### Plan Selection Tool \(PST\) The Plan Selection Tool is a web and mobile application that helps employees determine optimal health plan combinations within two minutes. Using AI-powered analysis, it evaluates household situations and compares total costs across all plan scenarios, integrating with spouse's plan information from different employers. **Key features:** - AI\-powered benefits analysis and comparison - Multi\-plan scenario evaluation - Web and mobile access - Household cost aggregation across employers - Natural language processing for benefits guide interpretation *Target users:* Employees during annual benefits elections, benefit administrators ### Claims Management & Administration Healia handles the complete claims processing lifecycle including claims submission, validation, and reimbursement alongside administrative documentation like SBC generation and plan document creation. **Key features:** - Automated claims submission and processing - Direct bank account reimbursements to employees - Summary of Benefits and Coverage \(SBC\) generation - Plan document creation and management - HRIS vendor integration for enrollment and administration *Target users:* HR teams, benefits administrators ## Category & focus - Subcategories: Employer benefits management, plan comparison, claims processing - Insurance verticals: Health, Group Benefits - Target customers: Employers, HR teams ## Links - Website: - Directory profile: - Linkedin: - Employee portal: - Employer portal: - Y combinator profile: --- *Last updated: 2026\-06\-14*