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Built for freelancers & gig workers
Average freelancer loses $847/year in unused benefits

You're leaving $800+ in benefits
on the table.

NudgeWell tracks your FSA deadlines, preventive care windows, and premium discounts — then nudges you before the money disappears.

Stop losing money — start today See how it works
$847
avg. annual savings unlocked
3 min
to set up your account
$0
free plan available

Here's what you're missing

Freelancers have benefits — they just don't use them. Here's where the money leaks out every year.

💸

FSA balance expiration

Flexible Spending Account balances expire at year-end — or at your plan's deadline. Most freelancers forget to spend the rest before it vanishes.

$400
average FSA balance lost per year
🏥

Skipped preventive visits

Annual physicals, dental cleanings, vision exams — most marketplace plans cover these at 100%. But without a reminder, they never happen.

$280
in free preventive care skipped annually
📋

Missed open enrollment windows

Open enrollment is short — miss it and you're locked into last year's plan for another 12 months. Switching to a better-fit plan can save hundreds a year.

$1,200+
saved annually by switching to the right plan
Total left unclaimed each year
$800+
That's a month of rent. Or a quarterly tax payment. NudgeWell makes sure you keep it.

Three steps. Zero effort.

NudgeWell handles the tracking so you don't have to. Here's what happens when you sign up.

1

Connect your plan details

Tell NudgeWell about your health plan — marketplace plan type, FSA/HSA balances, and coverage year. Takes under 3 minutes. No logins to share, no medical data required.

ACA Marketplace FSA / HSA Self-employed plans COBRA coverage
Plan type
🏥 ACA Marketplace — Silver Plan
FSA balance
💰 $1,200 remaining
Plan year end
📅 December 31, 2026
Connect my plan →
✓ No PHI required ✓ No insurance login ✓ Setup in 3 min
2

We find your unused benefits

NudgeWell's AI scans your plan for every benefit you're entitled to — covered preventive services, expiring balances, enrollment windows, and discount programs — ranked by dollar impact.

Ranked by $ impact Deadline-aware Updated automatically
Benefits utilization scan
FSA balance used 32% — $816 at risk
Preventive care used 0 of 4 visits
Wellness credits claimed $60 claimed
🎯 3 high-impact opportunities found — $785 recoverable
3

Get nudges before deadlines hit

When a deadline approaches or a benefit is about to expire, NudgeWell sends a nudge with the exact dollar amount at stake and a clear action to take. No vague reminders — specific, actionable, timed right.

Email nudges In-app alerts Timed to deadlines Dollar-impact first
NW
NudgeWell
9:14 AM
Your FSA expires in 18 days ⚠️
You have $400 left. Eligible purchases include vision, dental, and OTC meds — here's how to use it fast.
$400 at stake
See options
Remind me later

Real nudges. Real dollars.

This is what NudgeWell actually sends — not vague reminders, but specific actions with money on the line.

⚡ Urgent
$400
at risk

Your FSA has $400 expiring in 18 days — here's how to use it

Your Flexible Spending Account balance of $400 expires on December 31st. This money disappears if you don't use it. The good news: there are dozens of eligible purchases you can make today — vision, dental, OTC medication, and more.

📅 Deadline: December 31st (18 days away) — funds expire at midnight
✓ Action
$280
covered visits unused

You have 4 fully-covered preventive visits left this year

Your Silver Plan covers annual physical, dental cleaning, vision exam, and skin screening at 100% — no copay, no deductible. You haven't used any of them yet this year. These reset in 43 days.

Visits reset in 43 days (Jan 1st) — unused visits don't roll over
📬 Reminder
45 days
until window closes

Open enrollment starts November 1st — don't get locked into last year's plan

ACA marketplace open enrollment runs November 1 – January 15. Miss it and you're stuck in your current plan for another 12 months. Switching to a better-fit plan could save you $80–$200/month.

📅 Enrollment opens November 1st (45 days away) — compare plans before it gets crowded
★★★★★

"I lost $600 in FSA money last December. NudgeWell reminded me with enough time to actually spend it. This year I used every dollar."

JR
Jamie R.
Freelance designer · 4 years self-employed
★★★★★

"Didn't know my plan covered a free annual physical. NudgeWell told me, I booked it, saved $280. Wish I'd had this 3 years ago."

MC
Marcus C.
Freelance developer · Upwork Top Rated
★★★★★

"As a gig worker I never thought I had 'real' benefits. NudgeWell showed me I was sitting on $800+ I could actually use. Game changer."

TN
Tasha N.
Rideshare driver & DoorDash

Refer businesses.
Earn 20% every month.

Know an HR team, small business owner, or benefits consultant who'd get value from NudgeWell? Refer them and earn 20% of their subscription every month they stay active — paid automatically via Stripe. No cap.

1
Apply to the program Sign up at nudgewell.polsia.app/affiliates — takes 2 minutes
2
Share your link Send your unique affiliate link to your referrals
3
Earn 20% recurring Paid via Stripe every month — no minimum, no cap
Learn about affiliates →

Stop leaving money
on the table.

Takes 3 minutes. Free to start. NudgeWell starts finding your unused benefits the moment you connect your plan.

Start today — $14/mo →
$14/month · Cancel anytime · Takes 3 minutes to set up