Find and reimburse every eligible dollar.

Sail's HSA/FSA Expense Tracker finds your members' eligible purchases, keeps the receipts, and lets them decide when to reimburse.

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Sail connects to
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What if keeping receipts became a thing of the past?

Retrieving your expenses… Eligible$0.00
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Sail does that for your members, and more.

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Read how a reimbursement works

Your members connect once. Sail handles the rest.

benefits.yourcompany.com
Your 2026 benefits
Medical planEnrolled
HSA · HealthEquityEnrolled
Sail Expense TrackerNew
Activate Sail
You invite your members.

Add Sail to your benefits portal, or share a link by email.

Connect your accounts
Chase ····4421Connected
AmazonConnected
HealthEquity HSAConnected
TargetSigning in…
Multi-factor authentication
Your member connects their accounts.

Cards, stores, and their HSA/FSA, each with multi-factor authentication.

Reimburse Yourself4 found
Eligible to reimburse
$88.89
Digital thermometer$27.02
Sunscreen SPF 50$12.99
Allergy relief, 24 ct$18.49
Urgent care copay$30.39
Reimburse $88.89
Sail finds what's eligible and pays them back.

Members approve in a tap, and the money lands in their bank.

It's their benefit. Help them use it.

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Good morning, Jordan
Eligible to reimburse
$88.89
HealthEquity HSA$1,864.89HSA
New this week
Digital thermometerWalgreens$27.02
Sunscreen SPF 50Target$12.99
Allergy relief, 24 ctCVS Pharmacy$18.49
Reimburse Yourself
Expense
Digital thermometer
Walgreens · {{ dateA }}
$27.02Eligible
Why it's eligible

Thermometers are medical devices used to diagnose illness, so they qualify under IRS Publication 502.

CategoryMedical devices
ReceiptOn file
Reimburse $27.02
Reimburse Yourself
4 expenses selected
FromHealthEquity HSA$1,864.89
ToChase Checking ····4421Verified
Total$88.89
Usually lands in 1 to 3 business days.
Reimburse $88.89
2026 Tax Summary
HealthEquity HSA
Reimbursed this year
$1,040.00
Receipts on file
23
Contributed
$2,130.00
Everything you need for Form 8889, with the receipt behind each line.
Download PDF
Shoebox
Eligible, with receipts on file. Reimburse any time.
Saved for later$1,040.0023 receipts
Digital thermometerWalgreens · 2024$27.02Saved
Contact lenses, 90 ctCostco · 2025$125.00Saved
Urgent care copayMidtown Urgent Care · 2025$55.00Saved
Prescription sunglassesTarget Optical · 2026$88.89Saved
Reimburse later

Innovators in benefits are building the future with Sail.

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How do members get started?

Sail onboards your members via email and/or SMS. They create an account, connect cards and stores, and connect their HSA/FSA. Sail starts finding eligible expenses within minutes.

Which accounts can members connect?

Bank and credit cards, popular stores for item-level receipts, and HSA/FSAs. Each login happens inside Sail with multi-factor authentication.

How does Sail decide what is eligible?

Each expense is checked against IRS Publication 502, and the reasoning is shown to the member in plain English. Members can always confirm with their administrator before reimbursing.

Are expenses reimbursed automatically?

No. Sail finds and saves eligible expenses with their receipts, and the member decides if and when to reimburse. Many members leave eligible expenses on file for years, letting their HSA balance grow.

Where does the money go?

When a member chooses to reimburse, the money goes from their HSA or FSA to the bank account they pick, or paper check. Sail files the claim and tracks it until it is accepted by the administrator.

Do we need to integrate anything?

No. Sail is an app your members sign in to, and most groups are live in weeks. If you would rather build it into your own product, the combination of the HSA/FSA Link API and Itemized SKU Data API accomplishes the same thing.

How is it priced?

Per-member-per-month. Talk to Sales to start.