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AI-powered benefits nudge engine
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FSA & HSA spend-down alerts
🏥
Preventive care reminders
📅
Open enrollment action nudges
🛒
Amazon Pharmacy + Instacart links
📱
Telehealth service links
🏦
Carrier plan selection
💳
Stripe checkout — all 3 plan tiers
📧
Email nudge delivery via Postmark
🤖
Benefits Coach chat widget (AI)