How it Works

Members make fixed monthly contributions into emPower’s Health Savings Trust, and in turn receive a line of credit in an amount up to their annual maximum out of pocket costs under their High Deductible Health Plan.

An Innovative Solution to Managing Your Health Care Dollars

Mobile First Design

An innovative and eloquent mobile solution designed with your needs in mind.

Money When You Need It

Your savings can be withdrawn for non-medical expenses, while your line of credit assures funding when major unexpected medical expenses arise.

Payments Made Easy

Whether setting up your contributions, withdrawing savings or paying your medical expenses, it’s as easy as 1,2,3.

Fixed Contributions

Your contributions are determined by your line of credit and remain fixed throughout your membership – whether you’re a lender or a borrower.

Earn & Save Money

Receive higher returns on your savings and lower interest rates on your advances compared to more traditional health savings accounts or commercially available consumer loans.

Reap Rewards

Our proprietary LifeScore helps you track and reward healthy lifestyle choices.

Sign up for early access!