GeneEcho Jessica's Workspace

Unified Health Finance OS: Open Enrollment + FSA/HSA Intelligence

Agent Active

1. Plan Optimizer

Monte Carlo simulation across dual-income employer options (Wife's BCBS PPO vs. Husband's Cigna HDHP).

Projected 2027 Needs

Jane: Ortho-K Refit $1,200
Elena: Migraine Protocol $850
Husband: Preventive $0

OPTIMAL ELECTION

Split Coverage Recommended.

• Husband → Cigna HDHP (Individual)

• Wife + Jane → BCBS PPO (Family)

Net Premium Savings: +$4,200/yr

2. Tax Allocation

Agent calculates exact FSA/HSA funding needs based on clinical projection model.

Husband's HSA Tax-Free Growth
$4,300

Max allowable for Individual. Recommended for long-term investment.

Wife's FSA Use or Lose
$2,050

Exact match to projected out-of-pocket costs ($1,200 Ortho-K + $850 Migraine protocol).

3. December Sweep

Auto-deploy expiring FSA funds to IRS 213(d) eligible items based on family health graph.

$315 Expiring Dec 31

Agent has built an eligible cart matching known clinical needs:

Ortho-K Cleaning System Matches Jane's profile
$85.00
Magnesium L-Threonate Matches Elena's lab protocol
$120.00
La Roche-Posay SPF 60 Matches familial melanoma risk
$110.00