Sail is the
intelligence layer for
consumer-directed healthcare.

Sail connects cards, stores, and benefits to make healthcare affordable.

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Here's how Sail helps you
help others.

Fund the therapies your plan doesn't cover.

Sail Cash Pay helps employers save on care with cash pay pricing, starting with GLP‑1s.

Explore Cash Pay

Zepbound, 5 mg vial from LillyDirect$399.00

How much do you want the employer's share to be?

Employer pays

Employer saves

Find and reimburse every eligible dollar.

Sail's HSA/FSA Expense Tracker finds your members' eligible purchases and reimburses them from their own account.

Explore HSA/FSA Expense Tracker

Your balance{{ etBalance }}

Eligible expenses{{ etEligible }}

HSABank account ····4421{{ etTotal }}

Here's how Sail helps you
build the future.

Connect to any HSA or FSA, anywhere.

Sail's HSA/FSA Link API allows you to access accounts with enterprise-grade security and blazing fast speed.

Explore HSA/FSA Link API

GET /users/usr_abc123/accounts/acct_77b1200 OK
{
  "id": "acct_77b1", "connection_id": "conn_8e3a",
  "name": "HealthEquity HSA", "type": "hsa",
  "balance": { "cash": 1776.0, "invested": 2003.0 },
  "last_sync_at": "2026-10-04T07:58:00Z"
}See the Get Account endpoint
GET /users/usr_abc123/accounts/acct_77b1/contributions/summary200 OK
{
  "account_id": "acct_77b1", "tax_year": 2026,
  "ytd_total": 2130.0, "annual_limit": 4400.0,
  "remaining": 2270.0, "coverage_tier": "self_only"
}See the Contribution Summary endpoint
GET /users/usr_abc123/accounts/acct_77b1/activity?limit=2200 OK
{
  "data": [
    { "id": "act_3f9a", "type": "contribution",
      "source": "payroll", "amount": 223.0,
      "date": "2026-10-01",
      "description": "Payroll contribution" },
    { "id": "act_2c71", "type": "distribution",
      "amount": -54.98, "date": "2026-09-26",
      "description": "Midtown Dental" }
  ],
  "pagination": {
    "limit": 2, "offset": 0, "total": 38, "has_more": true
  }
}
See the Account Activity endpoint

HE HealthEquity HSAUpdated 2 hours ago

HSA

Cash balance

$1,776.00

Invested

$2,003.00

Contributed in 2026$2,130 of $4,400

Recent activity

Payroll contributionOct 1+$223.00

Midtown DentalSep 26−$54.98

CVS PharmacySep 22−$10.99

Know what was bought, not just where.

Sail's Itemized SKU Data API reveals the items behind popular card transactions.

Explore Itemized SKU Data API

Sail is the intelligence layer for consumer-directed healthcare.

Fund the therapies your plan doesn't cover.

Find and reimburse every eligible dollar.

Connect to any HSA or FSA, anywhere.

Know what was bought, not just where.

Sail is the
intelligence layer for
consumer-directed healthcare.