The employer opportunity
Your employees make two kinds of healthcare decisions.Both affect what you spend.
Employees choose a health plan once a year. Then they make decisions about how to use it all year long. My Health ID is designed to bring better information closer to both.
Choose your plan
Open enrollment
Once a year
Use your plan
Everyday healthcare decisions
All year long
The opportunity
Benefits decisions don't happen once a year.
01
Choose
Select a health plan
02
Use
Navigate care, coverage and benefits
03
Understand
See deductible progress, out-of-pocket spending and how the plan is working for you
04
Choose again
Bring this year's experience into next year's decision
↺ Then the loop begins again
My Health ID is designed to create continuity between these moments — beginning with something employees already recognize and need: their benefits card.
At enrollment
More coverage isn't always better coverage.
Choosing a health plan asks employees to weigh premiums, deductibles, cost sharing and financial risk against healthcare needs they can't know with certainty.
That can make richer or more expensive coverage feel safer — even when another option may be a better financial fit.
Instead of asking employees to start from scratch each open enrollment, My Health ID can help them evaluate next year's options in the context of how they actually used healthcare this year.
Your coverage snapshot
2026 plan year
Premium PPO
Family coverage
Family deductible
$1,500 of $2,000
Family out-of-pocket maximum
$2,100 of $6,000
What this tells us
Your family met most of its deductible, but remained well below its out-of-pocket maximum.
This doesn't tell us whether another plan would have cost less.
Could a different plan be a better fit?
Add your premium costs and next year's plan options to explore the tradeoffs.
Illustrative demo · fictional figures
During the year
Help employees use what you're already paying for.
Networks, virtual care, pharmacy resources and plan benefits only create value when employees can find, understand and use them.
My Health ID starts with the digital benefits card and brings the information around that card closer to the moments when employees need it.
- Find care
- Bring in-network resources closer to the moment they're needed.
- Understand cost
- Make plan-specific information — including copays, deductible progress and out-of-pocket status — easier to see.
- Understand coverage
- Help employees find and understand what their plan covers.
- Use existing benefits
- Bring employer and health-plan resources into one familiar front door.
The member experience · fictional plan data
Why it matters
Better benefits decisions can create value on both sides.
For employees
Make benefits easier to understand and use.
Clearer plan choices. Easier access to benefits information. Better visibility into deductible and out-of-pocket progress. A simpler way to find existing care and pharmacy resources.
For employers
Get more value from the benefits you're already funding.
Make existing benefits and programs easier to reach. Reduce routine navigation friction. Bring better information to the point of decision, where it can reduce avoidable healthcare spending — and support better-informed plan selection that can reduce unnecessary spending on coverage.
When employees can make better-informed decisions about both choosing and using their benefits, employers have a stronger opportunity to reduce unnecessary spending and get more value from the benefits they already fund.
For benefits teams
Turn benefits engagement into meaningful action.
My Health ID helps benefits teams understand how employees use their benefits, uncover opportunities for better guidance, and take action through timely, targeted communications.
From engagement insights to recommended next steps—all in one connected experience.
Built around aggregated engagement insights—not individual employee healthcare activity.
Illustrative concept · Sample data
Aggregated · no individual data
What needs our attention?
September Benefits Intelligence
Employee benefits engagement continues to grow. Rising provider searches and an activation gap point to two opportunities this month.
68%
Employees activated
+7 pts since August
Nearly one-third of eligible employees haven't activated their digital card.
124
Provider searches
+24% vs. August
More employees are looking for in-network care.
92
Spending resource clicks
+30% vs. August
Employees are exploring deductible and out-of-pocket information.
Your top 2 opportunities this month
01Close the activation gap
- Observed
- 320 eligible employees haven't activated their digital card.
- Why it matters
- Employees who haven't activated can't use navigation or spending tools when they need care.
- Recommended
- Send a short reminder to employees who haven't activated.
02Support in-network care searches
- Observed
- Provider searches rose 24% from August.
- Why it matters
- Employees are showing greater interest in locating covered care.
- Recommended
- Send a quick guide to finding in-network providers.
Value to your organization
- Measured
Benefits awareness & use
680 employees activated; 1,240 card opens in September.
- Observed
In-network care information
Provider searches up 24% from August.
- Observed
Open enrollment education
Plan-education tracking begins Nov 1.
- Not yet measured
Financial impact
Savings can be evaluated once claims comparison data is available.
Shareable with leadership
One familiar entry point. A full year of better-informed decisions.
Employer investment
Health plan + benefits + programs
My Health ID
A familiar front door employees can return to throughout the year
Better-informed decisions
Choosing coverage · Using benefits · Navigating care · Understanding spending · Evaluating next year's options
Pilot partners
Put your plan on the card.Test what happens when benefits become easier to use.
We're looking for employers and benefits partners ready to put a familiar digital benefits card to work as a more effective front door to benefits navigation and better-informed decisions.