Financial Wellness.
Healthier Lives.
EPIC Healthy Finance removes the financial barriers to healthcare — providing medical debt relief, health savings education, and financial navigation services for underserved communities.
Removing Financial Barriers to Health
EPIC Healthy Finance 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
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.
Americans collectively owe over $220 billion in medical debt — more than credit card or auto loan debt for many families.
Adults delay or skip medical care due to cost concerns, leading to worse health outcomes and higher emergency costs down the road.
Of all personal bankruptcies in the U.S. are tied to medical issues — either from the bills themselves or lost income during illness.
Our Core Programs
Each program targets a critical financial barrier to healthcare, delivering real, measurable change in the lives of the people we serve.
EPIC Wallet
Financial health starts with knowledge. Our EPIC 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
EPIC Relief
No one should lose everything because they got sick. EPIC 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 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.
Create Your Account
Sign up in seconds with just your name, email, and a password. No financial information required to get started.
Set Up Your Dashboard
Add your HSA/FSA details, set budgets, enter upcoming bills, and customize your health finance dashboard to your needs.
Take Control
Track every healthcare dollar, monitor savings progress, manage bills, and access curated financial resources — all in one place.
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
Health Savings Accounts (HSAs) offer a triple tax benefit — contributions are tax-deductible, growth is tax-free, and qualified medical withdrawals are tax-free. The 2025 HSA contribution limit is $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, spot trends, and make smarter decisions about where your money goes.
Budget Planning
Set monthly healthcare budgets, track spending against limits, and receive alerts before you overspend. Planning ahead means fewer surprise bills and 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 — make sure you're getting the most from yours.
Bill Management
Never miss a medical bill payment again. Track due dates, set reminders, and organize all your healthcare bills in one place — from insurance premiums to lab fees.
Savings Goals
Save for planned procedures, build an emergency medical fund, or prepare for upcoming healthcare transitions. Set goals, track progress, and reach milestones with confidence.
Ready to Take Control of Your Healthcare Finances?
Our free EPIC Wallet app helps you track expenses, manage HSA/FSA accounts, budget for care, and build savings — all in one place.
Get Started Free Learn MoreFrequently 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. Think of it as a personal finance dashboard specifically built for your health-related spending.
What is a Health Savings Account (HSA)?
A Health Savings Account (HSA) is a tax-advantaged savings account available to individuals enrolled in a High-Deductible Health Plan (HDHP). HSAs offer a powerful triple tax benefit: your contributions are tax-deductible, your account growth is tax-free, and withdrawals for qualified medical expenses are tax-free. For 2025, the contribution limits are $4,300 for individuals and $8,550 for families, with an additional $1,000 catch-up contribution for those 55 and older.
What is the difference between an HSA and an FSA?
HSAs (Health Savings Accounts) are individually owned, roll over year-to-year with no expiration, and require a High-Deductible Health Plan. FSAs (Flexible Spending Accounts) are employer-owned, typically follow a use-it-or-lose-it policy, and are available with any health plan type. HSAs are often called a "second 401(k)" because unused funds can be invested and grow tax-free for retirement, while FSAs are best for predictable annual medical expenses.
What medical expenses qualify for HSA/FSA spending?
Qualified expenses include doctor visits, prescriptions, dental care, vision care (glasses, contacts), mental health services, chiropractic care, physical therapy, lab fees, medical equipment, and over-the-counter medications. Since the CARES Act, over-the-counter drugs and menstrual care products are also eligible without a prescription.
Is the EPIC Wallet health finance app free?
Yes, the EPIC Wallet app is completely free to use. It includes medical expense tracking, HSA & FSA management tools, healthcare 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 EPIC Healthy Finance help with medical debt?
Through our EPIC 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 hospital billing advocacy, charity care application assistance, credit repair support, and one-on-one financial counseling to help families break free from the cycle of healthcare debt.
How Families Are Taking Control
Hear from people who have used EPIC Wallet to organize their healthcare finances and reduce financial stress.
“I had no idea how much I was overspending on prescriptions until I started tracking everything in the EPIC Wallet. I’ve already redirected over $1,200 into my HSA this year.”
“After my son’s surgery left us with $14,000 in bills, EPIC Relief stepped in and forgave the entire amount. The wallet app now helps me budget so we’re never caught off guard again.”
“The savings goal feature helped me plan for my daughter’s braces — I knew exactly how much to set aside each month. Simple, clear, and free. What’s not to love?”
Contact Us
Whether you need financial assistance, want to learn about health wallets, or are interested in partnership — we'd love to hear from you.
Get In Touch
18000 W Nine Mile Rd, Suite 200
Southfield, MI 48075