Americans spend $4.5 trillion on healthcare annually. Most of it is wasted, overcharged, or mistimed.
Margin finds savings at every step of your healthcare. Your deductible, bills, prescriptions, and benefits.
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Your Health Finances
LIVE⚡ Schedule pending care before Dec 31 and save an estimated $2,400
FSA remaining
$680
47 days to use
Savings found
$3,240
this year
PROCEDURE TIMING AI · HIP REPLACEMENT
Duke University Hospital
Schedule before Dec 31
Metro General Hospital
Wait until January
HOW IT WORKS
Most people overpay for healthcare not because they are careless, but because nobody built them the right tool. Margin HI changes that in three simple steps.
Link your insurance in seconds
Securely connect your insurance account via HIPAA-compliant OAuth, the same standard your bank uses. Margin pulls your deductible, coverage, accumulator data and benefits automatically. No manual entry, no paperwork.
AI maps every savings opportunity
Margin HI’s intelligence engine maps your specific plan against hundreds of benefit windows, price databases, deductible calendars, and billing codes — personalized to you, not generic advice.
Act before money walks out the door
Get precise alerts for optimal procedure timing, lower-cost alternatives, billing errors, and expiring benefits — before you pay. One Margin HI insight saves the average user $3,200.
Ready to see what Margin HI finds for you?
Introducing
Your personal healthcare CFO, working 24/7.
Margin HI is an AI agent that runs in the background of your financial health life. It watches your deductible, monitors your bills, tracks your prescriptions, and alerts you before money walks out the door. You don't have to think about it. That's the point.
Predict
Forecasts your annual out-of-pocket before the year starts
Prescribe
Recommends optimal timing and location for every procedure
Protect
Monitors every bill and alerts for errors in real time
Procedure timing alert
$2,400 savedSchedule your MRI before Dec 31 and save $2,400 vs January
2 min ago
Bill error detected
$340 flaggedDuplicate charge found on your Sept ER visit EOB
1 hour ago
Rx savings found
$41/mo savingsMetformin at Costco: $4/mo vs $45 at CVS
3 hours ago
Free benefit expiring
$180 benefitAnnual vision screening unused. Covered at $0 until Dec 31
Yesterday
HI catches what your insurer hopes you miss.
FEATURES
Five intelligent engines running simultaneously, so you never miss a savings opportunity.
Procedure Timing AI
The most valuable insight in healthcare. When your doctor recommends a procedure, Margin HI immediately cross-references your deductible status, CMS hospital price data, quality ratings, and your insurance network. It tells you the exact best time and place to get the procedure done — and what it will cost under your specific plan.
Saves avg. $3,000 per procedure✓ RECOMMENDED
Duke
Before Dec 31
$1,200
✗ AVOID
Wait Jan
Deductible resets
$4,200
One recommendation · $3,000 saved
Medical Bill Auditing
Up to 80% of medical bills contain at least one error. Margin HI scans every EOB for duplicate charges, wrong billing codes, unbundling errors, and inflated line items — then generates a dispute letter automatically.
Catches avg. $340 per audited billFSA / HSA Optimizer
Americans forfeit $4.5 billion in FSA funds every year because they forget the deadline or don’t know what’s eligible. Margin HI tracks your balance, counts down to your deadline, and gives you a personalized ranked list of eligible purchases.
Prevents avg. $441 in forfeituresRx Price Engine
The same generic drug can vary 10x in price across pharmacies. Margin HI checks GoodRx, manufacturer copay cards, mail-order options, and your formulary tier to find the lowest possible cost for every prescription you take.
Saves avg. $41/month on RxBenefits Discovery
Your plan covers dozens of zero-cost preventive services — screenings, vaccines, counseling, breast pumps, smoking cessation programs — that most people never use. Margin HI maps every free benefit to your age, gender, and health profile.
Avg. $620 in unused benefits foundAll five engines. Running 24/7.
That's Margin HI.
PRICING
One Margin HI insight saves the average user $3,200 per year. Pro costs $80. The math makes the decision for you.
Connect your insurance and start finding savings. No credit card needed.
WHAT YOU GET
OAuth-secured · 20+ insurers supported
See what your plan actually covers
Your current progress at a glance
Upload any EOB for error scanning
Compare prices across pharmacies
Find zero-cost preventive care
The full Margin HI experience. Your personal healthcare CFO, always on, watching every dollar.
EVERYTHING IN STARTER, PLUS:
Epic MyChart, Cerner, athenahealth + more
Every EOB scanned automatically
Live sync from your insurer account
Never forfeit a dollar again
Saves avg. $3,000 per procedure
GoodRx + copay cards + mail-order
Best plan for your actual usage
Proactive alerts, 24/7
All accounts in one dashboard
Procedures + Rx from your records
No credit card required for free tier · Cancel pro anytime · HIPAA-compliant
SOC 2 Type II certification in progress · 256-bit encryption · Zero data sold
Does Margin HI really pay for itself?
One procedure timing recommendation saves an average of $3,000. Pro costs $80 per year. You’d need to miss 97% of insights to break even. Nobody does.
Is my insurance and health data safe?
HIPAA-compliant infrastructure from day one. We use the same OAuth standard as your bank. We never store passwords, never sell data, and you can disconnect or delete everything at any time.
I’m on the waitlist — what happens?
Enter your access code on the welcome page to unlock Pro immediately. Waitlist members get their first 30 days of Pro free — no card required.