Health Wallet Nonprofit

Financial Wellness.
Healthier Lives.

Iluminate removes the financial barriers to healthcare — providing medical debt relief, health savings education, and financial navigation services for underserved communities.

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0M+
Americans with Medical Debt
0B
In Medical Debt Nationally
0%
Of Bankruptcies Tied to Medical Costs
Who We Are

Removing Financial Barriers to Health

Iluminate is a nonprofit corporation founded on the belief that no one should have to choose between their health and their financial security. We tackle the financial determinants that keep people from accessing the care they need.

Our Mission

To improve community health outcomes by directly addressing the financial barriers to healthcare — providing medical debt relief, health savings education, and benefits navigation for underserved populations.

Our Vision

A world where healthcare costs never prevent anyone from seeking treatment, and every family has the financial knowledge and tools to manage their health with confidence.

Our Approach

We combine direct financial assistance with education and systems advocacy — relieving immediate medical debt burdens while building long-term financial health literacy in our communities.

Our Core Values

EEquity
PPeople-Centered
IIntegrity
CCommunity
Why It Matters

The Healthcare Affordability Crisis

Medical debt is the #1 source of debt in collections in America. Financial stress doesn't just drain bank accounts — it directly harms physical and mental health, creating a devastating cycle.

$220B

Americans collectively owe over $220 billion in medical debt — more than credit card or auto loan debt for many families.

1 in 4

Adults delay or skip medical care due to cost concerns, leading to worse health outcomes and higher emergency costs down the road.

66%

Of all personal bankruptcies in the U.S. are tied to medical issues — either from the bills themselves or lost income during illness.

What We Do

Our Core Programs

Each program targets a critical financial barrier to healthcare, delivering real, measurable change in the lives of the people we serve.

Health Savings

Iluminate Wallet

Financial health starts with knowledge. Our Iluminate Wallet program empowers individuals to make informed decisions about healthcare costs through HSA/FSA education, benefits navigation, and personalized savings planning.

  • HSA & FSA enrollment assistance and education
  • Health insurance benefits navigation
  • Healthcare cost comparison & planning tools
  • Financial literacy workshops for health
  • Prescription savings & assistance programs
Launch Wallet App
Debt Relief

Iluminate Relief

No one should lose everything because they got sick. Iluminate Relief provides medical debt forgiveness, billing advocacy, and financial counseling to help families escape the crushing weight of healthcare costs.

  • Medical debt purchasing & forgiveness
  • Hospital billing advocacy & negotiation
  • Charity care application assistance
  • Credit repair support & financial counseling
  • Healthcare affordability policy advocacy
Get Help Now
Simple & Free

Get Started in 3 Easy Steps

Your health wallet is completely free and takes less than a minute to set up. No credit card. No complicated forms.

1

Create Your Account

Sign up in seconds with just your name, email, and a password. No financial information required to get started.

2

Set Up Your Dashboard

Add your HSA/FSA details, set budgets, enter upcoming bills, and customize your health finance dashboard to your needs.

3

Take Control

Track every healthcare dollar, monitor savings progress, manage bills, and access curated financial resources — all in one place.

Save, Spend & Plan Smarter

Why Use a Health Wallet?

A health wallet puts you in control of your healthcare finances — helping you save on taxes, track medical expenses, budget for care, and build long-term financial wellness.

Tax-Advantaged Savings

HSAs offer a triple tax benefit — contributions are tax-deductible, growth is tax-free, and qualified medical withdrawals are tax-free. 2025 limit: $4,300 (individual) or $8,550 (family).

Expense Tracking

Monitor every healthcare dollar — from copays and prescriptions to dental visits and therapy sessions. Categorize spending and make smarter decisions.

Budget Planning

Set monthly healthcare budgets, track spending against limits, and receive alerts before you overspend. Fewer surprise bills, better financial outcomes.

HSA & FSA Management

Track contributions, monitor balances, and maximize your pre-tax healthcare accounts. Over $159 billion is held in 40 million HSAs nationwide.

Bill Management

Never miss a medical bill payment. Track due dates, set reminders, and organize all your healthcare bills in one place.

Savings Goals

Save for planned procedures, build an emergency medical fund, or prepare for upcoming healthcare transitions. Track progress with confidence.

40M+ Health Savings Accounts in the U.S.
$159B Total HSA Assets Nationwide
3x Triple Tax Advantage with HSAs
66% Of Bankruptcies Linked to Medical Costs

Ready to Take Control of Your Healthcare Finances?

Our free Iluminate Wallet app helps you track expenses, manage HSA/FSA accounts, budget for care, and build savings — all in one place.

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Member & Admin Tools

Dashboards That Match the Platform

The public site now reflects the same two operating views used inside the app: one for members managing health finances and one for administrators coordinating the program.

User Dashboard

Track savings, spending, and care planning

Built for members who need a fast view of wallet balance, recent transactions, active budgets, and care-related spending.

Balance
$1,240
Transactions
18
Budgets
4
Quick actions
Add contribution Fund the wallet
Record health expense Track care costs
Create budget plan Plan the month
Recent activity
Pharmacy refill
Prescription category Today
Budget reminder
Monthly alert 2d ago
Open User Dashboard Create Account
Admin Dashboard

Oversee users, funding, and program activity

Designed for administrators who need to see totals, funding movement, account activity, and operational controls at a glance.

Users
1,284
Expenses
642
Goals
36
Operational view
Manage users Accounts & roles
Review funding Wallet balances
View activity log Audit trail
Priority items
Department dashboard
Switch to admin view Open
Program totals
Monitor usage Live
Open Admin Dashboard Admin Login
Common Questions

Frequently Asked Questions

Everything you need to know about health wallets, HSAs, FSAs, and managing your healthcare finances.

What is a health wallet?

A health wallet is a digital tool that helps you manage all your healthcare finances in one place — including tracking medical expenses, managing HSA and FSA accounts, budgeting for healthcare costs, organizing medical bills, and setting savings goals for planned procedures.

What is a Health Savings Account (HSA)?

A Health Savings Account (HSA) is a tax-advantaged savings account for individuals enrolled in a High-Deductible Health Plan (HDHP). HSAs offer a triple tax benefit: contributions are tax-deductible, growth is tax-free, and qualified medical withdrawals are tax-free. For 2025, limits are $4,300 (individual) and $8,550 (family).

What is the difference between an HSA and an FSA?

HSAs are individually owned, roll over year-to-year, and require a High-Deductible Health Plan. FSAs are employer-owned, typically use-it-or-lose-it, and are available with any health plan. HSAs offer more long-term savings flexibility while FSAs provide immediate tax savings on predictable medical expenses.

Is the Iluminate Wallet health finance app free?

Yes, the Iluminate Wallet app is completely free. It includes expense tracking, HSA/FSA management, budget planning, bill management, savings goals, and access to a curated directory of healthcare financial resources — all at no cost as part of our nonprofit mission.

How does Iluminate help with medical debt?

Through our Iluminate Relief program, we purchase medical debt portfolios on the secondary market — often at pennies on the dollar — and forgive that debt entirely. We also provide billing advocacy, charity care application assistance, credit repair support, and one-on-one financial counseling.

Reach Out

Get In Touch

Whether you need financial assistance, want to learn about health wallets, or are interested in partnership — we'd love to hear from you.

Contact Information

Address

18000 W Nine Mile Rd, Suite 200
Southfield, MI 48075