Not insurance. Better.

This is not health insurance. This is better.

Health insurance is really just sickness insurance. It costs too much and delivers little, especially when you're healthy. Finally, there's a smarter way.

the cost of health insurance

70%

of your subscription goes straight into your Wallet

For life

your price never goes up and you can cancel any time.

Get Your Vault See how it works

Welcome to ionava

A financial preparedness system that rewards you for being healthy.

For ½ the cost of traditional health insurance, ionava turns your health into a financial asset—literally.

Choose your Vault: $300k, $700k, or $1M

You decide how much cash to reserve for the 'Big What-Ifs'.

Lock your price for life

Your membership price never goes up, and you can still cancel anytime.

70% goes back to your Wallet

And gets to work earning interest for you.

Healthier = more growth

The healthier you are, the more your Wallet earns.

The Vault

Reserved cash for the 'Big What-Ifs'—terminal, critical, or chronic illness. Cash access, not coverage. Yours to direct when a defined Major health event unlocks it.

The Wallet

Works just like a debit card for for doctors' visits, labs, supplements, fitness, and anything else that supports you staying well. Like an HSA, but far more flexible.

Join ionava to build a system that supports you in staying well—one where the 'Big What-Ifs' are handled, so you can focus on living your best, healthiest life.

Get Your Vault

Which one are you?

Pick the situation that sounds like yours and see how ionava fits.

Has Employer Coverage

Jessica, 36 years old

Jessica has group coverage through her employer, yet she still pays for many things that aren’t covered: preventative scans, botox, dental aligners, etc.

Cost today$9,996/yr premium (paid by job) + $2,400 out of pocket = $12,396

With ionava$3,600/yr for a $300k Vault, while $2,520/yr goes back in her Wallet, earning 1-3% interest

Her Vault layers cash liquidity on top of her group plan and her Wallet pays for spending gaps and earns compounding interest.

Read the use case

Freelancer, no group plan

Chris, 52 years old

Chris is a freelancer who feels abused by the system for paying so much for individual insurance that doesn’t reward his healthy choices; however, he prefers to play it safe.

Cost today$15,852/yr premium + $1,425 out of pocket = $17,277/yr

With ionava$8k/yr for a $700k Vault and gets $5,600/yr to save or spend in his Wallet

Chris’s Vault gives him peace of mind while he spends 15% of his Wallet on maintaining good health and gamifies the other 85% to earn 3% interest for his financial wellness.

Read the use case

Risking Being Uninsured

Angelina, 25 years old

Young and healthy, Angelina feels she gets no ROI on buying health insurance, so she’s risking being uninsured to afford the things that actually support her wellness lifestyle.

Cost today$0 protection, 100% exposure to potential medical bankruptcy

With ionavaLocks in a $1M Vault at $3,000/yr, $2,100/yr of which is hers again to use freely with her Wallet

Far safer and smarter than risking everything—Angelina gets cash-rate care plus a Vault for the ‘Big What-Ifs’ at a price that won’t increase for as long as she’s subscribed.

Read the use case

Explore all use cases

How ionava works for you.

70%

70% comes back to you

70% of your subscription goes straight into your Wallet and earns interest. The healthier you are, the more it earns.

For life

Your price, set for life

Lock in your membership price today and it never goes up. No surprise hikes and you can still cancel any time.

Half the cost, much more value

ionava costs far less than what health insurance does, and delivers far more of what actually keeps you well.

Did you know?

Cash prices for care are available almost everywhere, and you don’t have to be ‘in network’. And the cash rates are usually the same as or lower than the cost for insurance

The healthier you are, the more a traditional plan overcharges you. ionava flips that. Making healthier choices means higher interest in your Wallet.

Most of what keeps you well: fitness, nutrition, recovery, prevention—isn't covered by insurance at all. Your Wallet pays for it.

You can keep your existing plan and layer ionava on top. It's not either-or.

Money in your Wallet is yours to use. It isn't locked away, and it grows with compounding interest over time.

How does it actually work?

The power of risk pooling

Everyone contributes a little. The pool covers the rare, expensive 'Big What-Ifs'—while your everyday health spending stays yours.

Validated by Milliman

Our model is built and stress-tested with Milliman, one of the world's most respected actuarial firms. The math is based in 400 million life years of proven statistics.

Why didn't this exist sooner?

Because it took the right team and the right model to build it. We've reinvented how you pay for health from the ground up.

Your free Health Score

Health is your greatest asset. Invest in it. Own it.

Start by getting your Health Score to see if you qualify.

Get Your Vault Learn more

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