Mission Statement

To provide consumers a convenient, accessible method of storing health receipts and other health documents, independent of their current employer and health plan provider, and to provide education and financial guidance to help consumers maximize the value of their HSA accounts for current and future health care expenses.

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Our Story

Like many company start-ups, the idea for HSA Coach was born of the founders’ experiences. Fortunately our backgrounds, Aaron, a CFP®, EA, electrical engineer and MBA, and Denise, an accountant with dual economics degrees, led to a natural pairing to fill this gap in the market.

For Aaron, who holds long-standing interests on such diverse topics as mutual funds, behavior psychology, nutrition, and US government food policy, HSA Coach represents an opportunity to make consumer health plans, and in particular, health savings accounts (HSA’s), work. With a particular emphasis on financial wellness, Aaron is passionate about enabling everyone to live the life they want through daily decisions that support their vision.

For Denise, who in addition to her day job, also has a non-professional career of helping friends, family, neighbors and employees work through the details of health plans, health network selection and real world “practical” financial advice, HSA Coach is an opportunity to place into the hands of all the people she has helped over the years a support tool that can be there for them when she cannot. Approaching life from an accountant’s perspective, Denise’s mission is to provide people a tool to help make better decisions both now and in the future.

Meet the team

Our founding partners

Aaron Benway, CFP®, EA

Aaron is a CERTIFIED FINANCIAL PLANNER™ and Co-Founder of HSA Coach. Aaron is passionate about health, financial wellness and achieving one’s goals in life, whatever they are. He actively encourages his friends and colleagues to read the book “Flow: The Psychology of Optimal Experience” by Csikszentmihalyi, and one day hopes to meet the author.

Prior to founding HSA Coach, Aaron was the CFO of HelloWallet, an online financial guidance application sold to employers as part of a financial wellness program. Morningstar (NASDAQ: MORN) purchased HelloWallet in 2014. Prior to joining HelloWallet, Aaron was the head of financial planning and Analysis (FP&A) at General Motors (NYSE: GM), and before coming to GM Aaron was an investor at the Carlyle Group (NASDAQ: CG).

Aaron started his career as a Naval Nuclear Engineer serving aboard the Navy cruiser USS California (CGN-36), before serving as a staff intelligence officer at the Pentagon. Aaron has deployed to the Arabian Gulf as part of Operation Desert Strike, as well as to Tuzla, Bosnia as part of NATO Peacekeeping Mission Operation Joint Forge.

Aaron earned a degree in electrical engineering from the US Naval Academy and an MBA from Harvard Business School. Aaron lives in McLean, VA with his wife and family.

Aaron is also Founder of AB Financial which offers financial planning and investment management guidance. He can be reached here.

Denise Halter

Denise is the co-founder of HSA Coach. Applying her accounting zeal to the details of such topics as healthcare, benefits and finance, Denise has assisted with the selection of hundreds of health plans for not only employers and clients, but also friends, relatives and colleagues over the years. Denise enjoys extending her professional skills to helping others become more financially independent and achieve their goals.

Denise began her accounting career in the logistics industry at UPS, followed by similar roles in the semiconductor and electronics manufacturing industries. In 2000 she started her own consulting firm to focus on corporate projects, as well as provide accounting and human resource services to start-ups. Denise’s clients included software companies, biotech firms, small family businesses and non-profits.

In 2009 Denise began working with HelloWallet, where she not only served as Controller overseeing accounting and human resources, but also contributed to the product design and user focus with her extensive financial management experience and knowledge of enterprise payroll and benefits programs. Morningstar (NASDAQ:MORN) purchased HelloWallet in June 2014.

Denise is a graduate of the University of Maryland, where she studied Economics and Accounting, and an active UMD alumnus who attends all basketball and football games. When she is not cheering on the Terps, Denise enjoys playing competitive volleyball and raising backyard chickens. She lives in rural Frederick Maryland with her husband, two children, two dogs, and chickens.

Our Advisors

Roy Ramthun

Roy Ramthun is a nationally-recognized expert on Health Savings Accounts and consumer- directed health care issues. He led the U.S. Treasury Department's implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr. Ramthun to be his health care policy advisor at the White House, where he developed the President's proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). As President and Founder of HSA Consulting Services, LLC, he continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country.

Mr. Ramthun has over twenty years of health care and public policy experience, both in government and in the private sector. He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc. and two years leading the West Health Policy Center.

Mr. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan.

A native of Michigan, Mr. Ramthun and his family live in Silver Spring, MD (a suburb of Washington, DC). They have had an HSA since 2005.

Jen Berman

In her role as an advisor to HSA Coach, Jen brings expertise on the tax rules governing HSA’s, HIPAA, HITECH, ERISA, ACA, wellness plan rules and other applicable statutes.

Jennifer is a member of Holder Law Group LLC, and has become a leader in analyzing health care reform developments and frequently serves as a speaker and commentator on a wide variety of health care reform and employee benefits issues.

Before moving to the Holder Law Group LLC, Jennifer practiced at Venable LLP as part of their Employee Benefits and Executive Compensation practice group. Jennifer graduated cum laude from the University of Pennsylvania Law School in 2006, where she was Editor-in-Chief of the University of Pennsylvania Journal of Labor and Employment Law. Jennifer also completed her undergraduate studies at the University of Pennsylvania, graduating magna cum laude with a Bachelor's of Arts in Political Science.

Ann Mond Johnson

Ann Mond Johnson has been a leader within healthcare technology for the past 25 years. In her work with ConnectedHealth, she is responsible for strategy and business development as well as evangelizing consumerism in healthcare—and, in particular, promoting insurance marketplaces as the latest expression of this movement.

Previously, Ann was CEO and co-founder of Subimo, whose clients included Fortune 100 corporations and over thirty Blue Cross and Blue Shield plans. Subimo was the market leader in the field of cost and quality transparency, and was acquired by WebMD at the end of 2006. Prior to Subimo, Ann was Senior Vice President at Sachs Group (now part of Truven Health).

Currently, Ann is an advisor to several start-up companies, including Ludi, Inc., which enables hospitals and health systems to better manage the return on investment in physician-hospital agreements. In addition, Ann serves as an advisor for ConversaHealth, a startup focused on helping physicians engage their patients between visits.

Paul Murphy

Paul is Principal at 3Advance, LLC - a boutique mobile, web and database development company in Washington DC. He has 15 years of development, strategy and management experience in everything from web and mobile app front-ends to server-side data architecture and design.

Before arriving in the United States, Paul graduated from Queen's University, Belfast (Northern Ireland) in 2004, receiving a First Class Honors as a Master of Electrical & Electronic Engineering, winning the BIC Systems Prize for Best Project in the Field of Computer Engineering. He has spoken at multiple conferences, participated in way too many Hackathons and co-founded the DC Sports Tech Meetup Group where two of his passions collide.

Paul founded 3Advance as the lone app developer in 2010 and has grown a full-stack development team that is top class and extremely agile, rolling out successful mobile and web projects for NPR, PolitiFact and Special Olympics International. Paul and his team continue to provide product development services to many local startups, offering branding and design, product strategy and development of enterprise-ready web and native apps.