Our Platform

A technology driven solution using an analytical backbone designed to scale with the ambitions of volume


The Harmony Health platform brings together the complex disparate ecosystems of health care service providers, payments, and settlements with HSA regulatory instruments to empower employees to manage their health-related spending in the most optimal way. The platform allows employees to track their spending at the lowest cost possible with tax-saving benefits. Behind these benefits lies the extensive use of technology to power mobile and web apps which are easy to use. It allows users to see the past spend and upcoming contributions connected to payroll.

At the other end, the Harmony Health core engine is based on the concept of micro-services. This architecture supports connectivity to various ecosystems like HR systems, payment gateways, providers, and health systems to automatically import or authorize transactions, initiate settlements to providers within our network, extreme automation, and transaction tracking via short message patterns. It also allows us to dynamically respond to user load patterns.

Analytical Insights

The Harmony Health population analysis is a predictive and learning platform to increase adherence to high-value care by consumers and help them in their healthcare journey. The solution uses AI and machine learning to develop highly personalized care maps, develops mechanisms to increase adherence to care through constant nudges and motivators, and aims to remove the financial burden of care.

The Harmony Health platform provides a framework for organizations engaged in community care (plans, providers, and health centers) to collaborate with consumers in their healthcare and gives timely insights. For employers; it helps accelerate the adoption of employees/members into consumer-driven health plans (CDHP). Harmony Health is developing a patent-pending framework utilizing public data sets 11 (census, bureau of labor, CMS, healthcare.gov) and unique partnerships (benefits enrollment platforms, large employers, voluntary carriers, and card networks).


The Harmony Health model separates the source of funding of Capital and the Cost of that Capital. The Capital is funded by harnessing the earning power of the Employee and the Employer aids with the Cost of Capital. This model is aimed at alleviating the employee burden for out-of-pocket healthcare expenses. We consider this a first step in applying the model for additional long-term and critical spending needs of employees and their families.

Harmony Health utilizes earning history and potential to reduce an organizations’ burden to provide capital and reduce the cost of credit. Harmony Health is not providing traditional credit. We are not a lender and do not require any personal credit and risk verification prior to providing the On-Demand funds.

Pay multiple ways

  • No leakage of funds from source to the recipient
    The funds, up to the limit of the proposed spend, are always available through the Harmony Health card.
  • Cashless!
    Using Harmony Health doesn’t require complex budgeting and multiple options for payment. The card is your single source of financial empowerment.
  • Pay multiple ways
    The card can be used to pay co-pays at the doctor’s office, buy medications from the pharmacy, or pay bills after care.