Integrated suite of financial products and services within the environment of a high-deductible health plan offered to employers in a way that helps its employees and members (i) simplify how they pay for and manage their healthcare expenses and (ii) improve their overall financial health and well-being, including consumer card services, savings and credit related products; Mobile first solution will allow its users to manage all their financial accounts, medical claims data, healthcare related tax credits, out of pocket medical and non-medical expenses and supporting documentation and through its AI software to help its members make better financial decisions; assisting its members track key behaviors that impact their physical, financial, and environmental health and well-being and helps its members make better lifestyle choices that lead to better health outcomes; Data aggregated through the software can afford access to improved pricing of insurance and financial products, benefit incentives, rewards and the offering of discounts on health-related products and helps insurers / employers improve their health plan design, developing benefits that help improve the physical and financial well-being of its members / employees