HealthyHabits is an award winning employee benefits program offering individuals and families a path to financial flexibility and wellness when faced with healthcare costs. Members access a No-Interest Line of Credit to help pay for their out-of-pocket healthcare costs including co-pays, deductibles, and other out-of-pocket expenditures related to medical, dental and vision care. There is no credit check, all employees are pre-qualified for a minimum $1,000 line of credit, and payment terms are flexible to suit each member's financial situation. Members utilize the program benefits and resources to optimize HealthyHabits four pillars of financial wellness: Spend Smart, Save Today, Borrow Responsibly & Plan Now. With HealthyHabits, members can optimize their financial wellness to live their best life. A simple solution to a very real problem. Distribution Channels: Payors (Health Insurance Companies) / Insurance Agents or Brokers / Employee Benefit Consultants / Employee Marketplaces / Direct to Employer