Modular solutions to make it your own
Our decades of experience in the consumer-directed benefits space have taught us flexibility is everything. So Elevate was made to be modular, with component solutions you can easily mix and match to create your own custom combination of next-level offerings.
An untouchable spectrum of services
With 100% API functionality, Elevate is faster, smarter, more customizable to your needs and proven to reduce costs where it counts.
Fuss-free core administration
Get precious time back into your day with simplified plan setup and administration of HSAs, FSAs, HRAs, DCAPs, lifestyle accounts, commuter accounts, and more.
Lightning-quick claims processing
Connect your customers to their money faster with the industry's first automated, HIPAA-compliant claims processing, with over 90% of claims approved—and paid—instantly.
Streamlined banking services
Depend on Elevate's proprietary banking infrastructure for real-time reconciliations, instant claims and payouts, seamless funding, and embedded HSA investments.
Simple & secure card management
Proactively protect against fraud while offering a simplified user experience with Elevate's comprehensive, contactless payment card program.
An honest user experience
Capture customer loyalty with user-friendly portals, a convenient mobile app, accessible statements, and exceptional communications, including two-way texting.
Convenient partner control
Enjoy the power of transparency with our partner portal, allowing partners to own all aspects of the program, from data and customized reporting to member communications.
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Modern. Fast. Nimble.
Elevate is shaking up the slow-moving world of employee benefits with the industry's first AI-powered, ultra-reliable benefits engine that is market-proven to simplify account experiences for administrators, employers and participants.
Tried. Tested. Proven.
We're a best-in-class, premium technology platform with the numbers to prove it.
Up to 35% gross margin savings
Automation, error reduction, and elimination of manual processes means a more profitable program for our partners.
90+% instant claim approval
Claims are approved instantly, costs are reduced, and customer satisfaction increases.
Instant CIP reviews
HSAs are opened painlessly, customers access their money faster, and calls are diminished.
One week client onboarding
Client onboarding time is drastically reduced, slashing admin costs and delighting benefit teams.
90+% Real-time payments
Reimbursements are provided faster, and customer satisfaction increases.
Who is Elevate for?
We're for administrators looking for the ultimate competitive advantage. Elevate was built by experts to help you differentiate and, ultimately, add exceptional value.
Benefit platforms
Automate everything with a comprehensive platform that's brandable and future-proof.
Financial institutions
Leverage the power of AI to do more with less, driving gross margin savings.
Health plans
Integrate fully into your brand and get to market faster with built-in flexibility.
Third-party administrators
Rely on a smarter system that operates according to your rules—and lets you modify for any business segment.
It's only the
beginning
Automate everything with a comprehensive platform that's brandable and future-proof.
Renewals, Now by API
Plan year renewals have always been file-based, manual, and slow. Elevate's renewal APIs and quick renewal module turn hours of rebuilding plans into a single API call or a few minutes, and Rocky Mountain Reserve is already using them.
What CDH Can Learn from Product-Led Growth
Product-led growth helped companies like Slack and Stripe scale without scaling headcount. EVP of Sales Keith Soranno lays out seven ways CDH businesses can apply the same playbook to improve margin, accuracy, and the accountholder experience.
The UI of the future is a conversation. Is your tech ready?
AI agents like Muse are turning conversation into the interface. CEO Brian Cosgray explains why that only works when the systems behind it can answer in real time, and what to ask your tech provider.
What we learned: Rocky Mountain Reserve’s perspective post-implementation
What does life look like after a major platform migration? Rocky Mountain Reserve shares the results, lessons learned, and what they’d do differently.
Five Years of AI Claims: What We've Learned From Processing Over 11 Million Claims
We have been using AI to process claims for five years. See how we did it, and what we've learned.
Make HSA Tax Season Simple for Your Users
Elevate reduces tax-time confusion and support volume by giving users easy access to HSA tax forms, prior-year contributions, and instant corrections.
AI Will Expose Weak SaaS. Not Replace It.
CEO Brian Cosgray explains why AI is not replacing SaaS, but exposing platforms built on outdated architecture. The winners will be companies that rebuild for real-time, interoperable systems that allow AI to operate effectively.
Vibe Coding vs. Enterprise-Grade Architecture: Where the Vibes Break Down
CTO Brian Strom breaks down AI, vibe coding, and the future of SaaS platforms.
The API Model that Delivers: Why We Built for Partner Performance
A practical look at why Elevate built a full API model for partners who need real integration, real time data, and the flexibility to scale without adding headcount.
Experts Speak Out: January 1 Nightmares
A short vlog on why January chaos became normal in benefits and how modern platforms are changing that reality.
Keep Your HSA/FSA Card Safe: Practical Guidance from a Benefits Pro
SIGIS Board Member Crista Geitzenauer shares practical tips to help HSA and FSA participants protect their cards, monitor account activity, and start the new plan year with confidence.
Why Good Systems Go Bad: How Tech Debt Grows One Decision at a Time
Sr. Cloud Architect Paul Trout breaks down how tech debt quietly builds through everyday decisions and shows why disciplined engineering, replaceable architecture, and steady renewal are essential for long-term reliability.
Elevate Named a 2025 Inc. Power Partner for Excellence in B2B Benefits Technology
Elevate has been recognized as a 2025 Inc. Power Partner, joining an exclusive group of companies with proven track records of helping other businesses succeed. See how we did it.
AI Claims Automation: Cutting Processing Time from Weeks to Minutes (2025 Update)
Claims processing no longer takes weeks. Elevate’s AI automation now approves up to 78% of claims instantly. Learn how automation reduces manual work and accelerates reimbursements from 25 days to under two minutes for HSAs, FSAs, and HRAs.
Case Study in Fraud Prevention: How We Blocked a $20k Scam
How Elevate stopped a $20K fraud attempt in hours using AI detection, real-time expert support, and partner controls.
Final Consumer Account Changes in the One Big Beautiful Bill Act
The final One Big Beautiful Bill Act is officially signed into law. While many proposed HSA expansions were removed during Senate negotiations, several impactful provisions remain. This includes permanent telehealth coverage, HSA access for Bronze and Catastrophic plans, DPC integration, and an increase to the Dependent Care FSA limit. This post breaks down what passed, what didn’t, and how Elevate is ready for it all.
Steadiness in Uncertain Times: Why Elevate Remains Committed to Responsible Growth
Our industry is going through a period of transition. Shifts in strategy, technology, and market focus are modifying how we all work and grow. At Elevate, we remain committed to steady and thoughtful growth. We continue to invest in our people, our partners, and the technology that keeps benefits running smoothly.
Billions in the Dark: The Hidden Risk of Omnibus Accounts (and How We Solved It)
Most benefits platforms can’t track who owns what in pooled omnibus accounts—creating risk and confusion. Elevate solves this with partner-owned accounts, daily reconciliation, and real-time visibility into every dollar.
Meet Elevate’s Newest Partner: Helix
Helix Benefit Solutions is a new TPA built by industry veterans with a fresh vision and Elevate’s automated benefits platform. Learn how they’re raising the bar for brokers, employers, and members.
The Operational Black Hole: How We Closed It for Good
Director of Program Operations Nicole Caralle shares how Elevate prevents the operational failures common in legacy systems—by automating edge cases, eliminating support queues, and using real behavior data to drive improvements.
Seven Ways the Big, Beautiful Bill Could Impact Consumer Accounts
The One, Big, Beautiful Bill could bring major changes to consumer accounts starting in 2026. See how Elevate is already prepared to support every provision—from CHOICE plans to new HSA limits and fitness reimbursements.
Why Staying Current Isn’t Optional: Lessons from the Front Lines of Fintech Infrastructure
Modern admin platforms can’t afford to treat infrastructure as an afterthought. In this blog, Elevate’s Sr. Cloud Architect Paul Trout shares lessons from decades in IT—highlighting why staying current isn’t just smart, it’s essential for performance, security, and innovation.
What is Rage Clicking and Why Should You Care?
At Elevate, we take user experience seriously—down to the details most users never report. In this blog, Product expert Amanda Richter shares how our team monitors behavioral signals like rage clicks to uncover hidden friction points, prioritize improvements, and build a smoother, more intuitive experience. The result? A smarter, faster, and more user-friendly platform for HSAs, FSAs, and more.
AI Is Amazing, and That Can Be a Problem for Benefits Administrators
AI-generated receipts are getting harder to detect. Learn how Elevate stays ahead of fraud in consumer-directed benefits by using intelligent scoring and forensic receipt analysis.
Level Up: Elevate Gives Hands On Access to Tech Demos
Are you aware of the industry's newest features? Explore Elevate's demo playground.
No More Leftovers: How to Bring More Value to Your FSA Program
Participants leave $441 in FSA funds unused yearly. Learn 3 powerful strategies to maximize participant usage with Elevate’s advanced tools & support.
How AI Moves HSA Money Faster
Elevate uses AI to process HSA transfers, cutting the time it takes for customers to receive their money. Using automation, Elevate processed $8M in incoming HSA assets in minutes.
Award Alert: Elevate’s Brian Strom wins Outstanding Tech Innovator Award
Elevate's CTO was named a top tech innovator. See how he did it.
Elevate Research Findings: AI and Modernization Trends
Elevate surveyed 150 HR and benefits leaders. See what they had to say about their benefits technology.
Feeling the Burn? Dependent Care FSAs are Failing Everyone. Here’s How to Fix Them.
Dependent care flexible spending accounts (DCFSAs) are designed to help workers save on childcare costs (including summer camps!), but outdated systems and user frustration mean many are leaving valuable tax savings unused. Elevate makes the entire FSA experience—both dependent care and health care FSAs—intuitive and user-friendly for participants.
Automation In Action: Eliminating the “Manual” Every Step of the Way
There's a dirty little secret about consumer directed benefits administration—there's a LOT of manual work. At Elevate, we have built automation into all aspects of benefits administration. In this blog, we explore how automation impacts claims processing, participant coaching, account funding, and more.
We Won! Elevate Receives 2024 HR Tech Award for AI Innovations in Employee Benefits
Elevate recently won the Best Advance in Practical AI in the 2024 HR Tech Awards. See how we did it.
Breaking Down the Increase in HSA Contribution Limits for 2025
HSA contribution limits are set to increase in 2025 (so are HDHP limits). Here's how benefit admins, TPAs, and PEOs should prepare.
The FSA Death Spiral: Complexities Erode Account Usage
For millions of Americans, flexible spending accounts (FSAs) are a lifeline to accessing affordable healthcare. However, FSAs have been plagued by complexities and administrative burdens, which can cause eligible employees to decline the benefit.
Recent BaaS Shake-up Shines a Light on Industry Weakness
There’s been surge of banking related activity impacting the platform providers behind consumer benefit accounts, highlighting potential risks faced by select newer platform providers.
How We Built the Strongest Modern Tech Solution
Does the lean startup approach pay off? Elevate co-founders think a more substantial model is the only way forward.
Why You Need a Partner with Workflow: How Modern Tech Solutions Erase Administration Pain Points
HSA, FSA, and HRA administrators frequently hear a few painful words from their technology platform partners: “days” “cutoff” “later” “stuck” and “years.” With Elevate's workflow-based platform, we use words like: “now” “already” “seconds” “real-time” and “next”. See the difference.
CIP Headaches Begone!
Elevate’s modern system eliminates the antiquated timelines of the past by immediately processing enrollment and enabling applicants to clear regulatory hurdles right away. Employees who don’t pass the CIP review receive immediate notification and simplified instructions to quickly resolve their situation.
Fraud and Consumer Benefit Accounts: Expert Tips, Trends, and Tech Advancements
Consumer benefit accounts have gained widespread popularity, giving employees greater control over their healthcare expenses and employers a tax-advantaged way to expand benefits. However, the rise of these accounts also attracted the attention of people looking to exploit these financial resources.
Lifestyle Plans: The business case for lifestyle accounts
A growing number of employers are offering lifestyle spending accounts, also known as lifestyle savings accounts, for employees. Learn the reasons why.
Meet the Minds Behind the Movement: Brian Cosgray and Brian Strom
Co-founder and CEO Brian Cosgray, and co-founder and Chief Technology Officer Brian Strom (The Brian Team) reflect on their achievements with the company they dreamed up that day: Elevate.
The Top Three Ways APIs are Radically Changing the Consumer Account Industry
Today’s consumer account administrators—health plans, financial institutions, TPAs, and benefit admins—are struggling to differentiate their HSA, FSA, and HRA solutions in a crowded market. The ones most likely to win industry share are those embracing tech innovations that remove friction for employer clients and their plan participants.
Say Goodbye to Plan Design Hassles: Elevate's Smart Tech Slashes Time, Costs, and Errors
Access to powerful plan design tools can mean the difference between a streamlined process and a logistical nightmare. In this blog, we explore the benefits of efficient plan designs and how they can make your job easier.
Let’s Get Modern: Consumer Convenience Prioritized with Digital Reimbursement
The industry is familiar with reimbursement hassles for benefits accounts like flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), and even health savings accounts (HSA).
A Better Way to HRA: Complex Accounts Made Easy (and More Profitable!)
Elevate simplifies even the most complex plans with a one-two technology punch
Still Driving in the Slow Lane? Elevate Cuts Your Client Setup Time by 17 Weeks
When competing for employer HSA, FSA, and HRA business in the crowded consumer benefits space, the ability for administrators to differentiate their solutions becomes paramount. Equally critical is the internal pressure to scale quickly and efficiently.
AI or Die: The Crucial Choice That Will Define the Future of Companies
In today's dynamic business landscape, the advent of artificial intelligence (AI) has sparked a seismic shift in the fortunes of companies across various industries. The choice to either embrace or disregard AI technology is becoming a critical factor that determines the destiny of organizations.
HSA 2024 Limits: Inflation Drives Significant Increase
Every year, the Internal Revenue Service (IRS) establishes inflation-adjusted limits for health savings accounts (HSA). Thanks to recent high inflation, increases for 2024 deliver the largest-ever jump in limits.
