Hella+Health

Hella+Health is a technology platform that serves as a digital advisor to simplify the Medicare shopping experience for older Americans. Founded in 2021 by Rafal Walkiewicz and based in New York City, the company operates as a licensed insurance agency in all 50 states and the District of Columbia. Walkiewicz, with over two decades in the insurance industry, including roles at Willis Towers Watson and Goldman Sachs, created the platform to address the complexities of choosing a Medicare plan. In May 2024, Hella+Health was acquired by CVS Health to enhance its digital capabilities for seniors.

The platform's primary service is to assist Medicare-eligible individuals in selecting the appropriate plan by providing personalized, AI-driven recommendations. It features a 'Medicare personal shopper' tool that helps users compare and analyze plan components and a 'Medicare coach' to explain options in simple terms. The technology allows users to research plans, input their data, and even import medical information directly from Medicare.gov to tailor the recommendations. The platform is designed to be a transparent, direct-to-consumer tool, enabling users to manage the selection and enrollment process entirely online. Revenue is generated through commissions from insurance carriers for plans sold through the platform. However, the company states it does not accept marketing incentives or rewards for sales quotas to maintain alignment with customer interests.

Keywords: Medicare enrollment, digital insurance advisor, health insurance platform, InsurTech, Medicare Advantage, senior healthcare, AI recommendation, online insurance marketplace, Medicare comparison tool, Rafal Walkiewicz, CVS Health, Audomo, personalized health plans, insurance technology, healthcare shopping, digital health, plan selection, retirement healthcare, Medicare coach, insurance brokerage