HealthEquity's 2025 Q4 Assist Portfolio: AI-Driven Member Engagement Innovations

Main Components of HealthEquity's New Assist Portfolio:

1. Analyzer

   • An internally developed product leveraging data, insights, and integration with plans and reimbursement information.
   • Provides real-time data on inefficiencies, trends, and benefit program design.
   • Helps employers make smarter benefits decisions and manage rising healthcare costs.
   • Aims to drive enrollment and adoption by enabling clients to design better plans and engage members effectively.

2. Navigator

   • Developed in partnership with TALON.
   • Designed to enhance member engagement by supporting more informed healthcare decisions.
   • Addresses regulatory requirements for transparency among plan providers.
   • Helps clients drive compliance and engagement, potentially offering rewards for high-quality, affordable care choices.

3. Momentum

   • A product leveraging HealthEquity’s open system connected with partners, plans, and providers.
   • Uses technology, data, insights, and AI to provide personalized nudges and recommendations.
   • Aims to increase healthy behaviors, reduce healthcare costs for employers and employees, and improve benefits plan ROI.
   • Being developed alongside select innovative clients who share the vision of empowering workers with transparency, relevant information, and incentives.

How These Components Aim to Enhance Member Engagement:

• The Assist portfolio focuses on a member-first secure mobile experience, reflecting consumer expectations for seamless, digital-first, and secure interactions.
• Analyzer helps employers optimize benefit designs, which can lead to better enrollment and adoption by making plans more attractive and cost-effective.
• Navigator supports members in making informed healthcare decisions, increasing engagement through transparency and potential rewards, thus encouraging active participation in their benefits.
• Momentum uses AI-driven personalized recommendations to nudge members toward healthier behaviors and better utilization of benefits, fostering ongoing engagement and cost savings.
• The portfolio combines owned and partnered solutions to deliver a remarkable experience for clients, partners, and members while reducing cost-to-serve.
• The new app experience, downloaded by over 1 million members, and the rollout of a stacked chip card (foundation for a digital wallet) complement the Assist portfolio by providing engaging, secure, and convenient digital tools for members.

Summary:
HealthEquity’s Assist portfolio comprises Analyzer, Navigator, and Momentum, each designed to address different aspects of enrollment, adoption, and engagement. By leveraging data, AI, partnerships, and a secure mobile-first approach, these solutions aim to empower members with transparency, personalized guidance, and incentives, thereby enhancing their engagement with healthcare benefits and driving better outcomes for both members and employers.