You could save $1,020/yr by maximizing your HSA. Contributing $4,150 vs your current $1,540 gives $2,610 more in tax-free spending.
📅
OPEN ENROLLMENT — 62 Days
Complete your 2026 elections · Effective April 1
Quick Actions
🔍
Find a Doctor
In-network search
💊
Refill Rx
Metformin due in 5d
💰
Use HSA
$2,340 available
📋
Open Enrollment
62 days left
My Coverage
🏥
HDHP + HSA Gold
Aetna · Group #GRP-AET-29401
Active
🦷
Dental Premier
Principal Financial · 100% preventive
Active
👁
Vision Select
VSP · Exam + $150 frames
Active
🛡
Life — 2× Salary
MetLife · $180,000 coverage
Active
Open Enrollment 2026
Choose Your Medical Plan
Meridian Corp · Effective April 1, 2026 · 62 days remaining
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Clara Enroll™ Recommendation
Based on your 3 office visits, 1 lab panel & family of 2, the HDHP + HSA Gold saves you an estimated
$1,240/year vs the PPO
HDHP + HSA Gold
✦ Clara Pick
Aetna · Group #GRP-AET-29401
$198/mo
Your cost
Save $1,240/yr
$1,500 individual deductible
$0 preventive care, $0 telemedicine
$800 employer HSA seed
Triple tax-advantaged HSA
PPO Classic
BlueCross BlueShield
$342/mo
Your cost
$500 individual deductible
$20 PCP / $40 specialist copay
Wide national network
—Not HSA-eligible
EPO Plus
UnitedHealthcare
$275/mo
Your cost
$750 individual deductible
$30 PCP copay · Free mental health
Fitness reimbursement
📋 Evidence of Insurability Required
You elected Supplemental Life: $500K — the $300K above guaranteed issue needs carrier approval. Clara will open the MetLife form here — no external site or new login needed.
My Wallet · HSA Account
MyChoice Accounts™ · 2026
Available Balance
$2,340.00
$800 employer seed + $1,540 you contributed
💳
Pay Expense
↑
Contribute
📈
Invest
📄
Statements
2026 Contribution Tracker
IRS limit: $4,150 (self+family: $8,300)
$1,540 contributed$2,610 remaining
✦ Clara: Contributing the full $4,150 saves you ~$1,020 in taxes. Set up automatic payroll contributions to hit the limit by year end.
Your pending Bay Area Lab claim ($145) can be paid from your HSA automatically. One tap — no paperwork, no reimbursement forms.
✦ Clara Suggests
You're 32% through your deductible. At your current rate, you'll hit it by August. Consider increasing your HSA contribution by $85/mo to fully cover the remainder.
All Claims · 2026
3 claims · $367 billed
🏥
Dr. Nguyen — Primary Care
Mar 10, 2026 · Office Visit
$210
Processed
💊
CVS Pharmacy — Metformin
Mar 5, 2026 · Prescription
$12
Processed
🧪
Bay Area Lab — Blood Panel
Feb 28, 2026 · Lab Work
$145
Pending HSA
Clara
Benefits Agent
Clara AI™ · 80% autonomous · Seamless human escalation · 24/7
Clara · Benefits Agent
Hi Sarah! 👋 I'm Clara, your AI benefits agent. I know your plans, claims, HSA balance ($2,340), and family details. I resolve 80% of questions on my own — and when you need a human, I hand off seamlessly.
What can I help you with today?
You
I had a baby last month! I need to add her to my plan.
Clara
Congratulations! 🎉 A newborn is a Qualifying Life Event — you have 30 days from birth to add her to your plan. I've already opened a Special Enrollment Period.
I need her name, date of birth, and SSN (can be added later). Your HDHP + HSA Gold covers dependents at the same tier. Shall I proceed?
You
Yes! Emma Chen, born February 14, 2026.
Clara
Done! ✓ Emma Chen added as dependent, effective Feb 14. New family premium: $312/mo. The 834 eligibility update is staged — Aetna receives it tonight. New cards arrive in 7–10 days.
All changes are logged with a full audit trail per Clara AI™ governance.