NudgeWell is your personal benefits guide — explains what's covered, surfaces what you're missing, and helps you make smarter care decisions. Plans from $14/month.
What You're Probably Missing
The average freelancer forfeits over $400/year in FSA funds — not because they don't need healthcare, but because nobody sent a reminder before the cutoff. NudgeWell tracks your balance and escalates alerts as the deadline closes in.
Annual physicals, dental cleanings, flu shots, blood panels — fully covered at $0 under most plans, including marketplace and COBRA. Without an HR team to remind you, most freelancers skip them entirely and pay out of pocket for conditions that could have been caught early.
Most plans include telehealth visits, EAP mental health sessions (often 8 free sessions/year), and virtual urgent care at reduced cost. These benefits go unused because the plan document is 60 pages and nobody surfaced the relevant parts for you.
Insurers deny billions in legitimate claims every year. If you received a denial, you can appeal — and NudgeWell helps you draft a customized appeal letter based on your specific denial reason. We help you draft an appeal letter →
COBRA keeps your current plan but costs 3–4x more — you're now paying the employer share too. The ACA Marketplace may be significantly cheaper, and income-based subsidies can drop your premium to near $0. Compare COBRA vs. ACA →
How It Works
Tell NudgeWell your plan type — marketplace, COBRA, spouse plan — and a few basics. No health data stored. Setup takes under 5 minutes.
Our AI maps your plan's benefits: FSA/HSA limits, covered preventive visits, telehealth access, EAP sessions, and open enrollment windows — ranked by dollar value to you.
Timely, specific reminders via email — not a newsletter, but a heads-up about your FSA balance, a dentist visit you haven't scheduled, or a free telehealth session available this month.
Freelancer Plan