Inspiration 💡
We kept seeing friends juggle HSAs with spreadsheet chaos, lost receipts, and constant "is this eligible?" anxiety. That pain became our north star: build a benefits co-pilot that quietly ingests the data, explains it in plain English, and nudges you toward smarter decisions.

What It Does 🚀

  • Async FastAPI backend ingests Knot-linked commerce data plus manual uploads.
  • Deterministic analytics: eligibility screening, seasonal spikes, recurring purchases, personalized portfolio allocations.
  • Gemini-assisted storytelling turns the raw numbers into TL;DRs, key insights, and enterprise rollups.
  • Action layer: reimbursement PDF generation, MDsave procedure search, CostPlus drug lookup, so insights lead directly to savings.

How We Built It 🛠️

  • Stack: Python, FastAPI, async SQLAlchemy with SQLite for hackathon speed, Docker-ready for production.
  • Security: JWT + bcrypt auth, shared get_current_user dependency for least-privilege access.
  • Analytics + AI: services/insights computes aggregates, Gemini models add human-friendly summaries.
  • External data: MDSave + CostPlus APIs for price transparency, Knot client for real-world commerce feeds.
  • Architecture: Modular routers (/usersdata, /trends, /enterprise, /procedures, /portfolio, etc.) keep the surface area clean and composable.

Challenges We Ran Into 😅

  • Choosing a stack under time pressure: FastAPI/Vite vs. going full TypeScript end-to-end.
  • Four backend engineers sprinting on a full-stack web app with limited frontend experience.
  • Half the team had never met in person, so aligning on workflows and communication norms took effort.
  • Settling on the idea itself. We committed barely 20 minutes before hacking officially began.

Accomplishments We're Proud Of 🏅

  • Leveling up on a brand-new frontend toolchain while shipping features.
  • Discovering, reverse-engineering, and stabilizing public APIs to power the core experience.

What We Learned 📚

  • There's a surprisingly untapped intersection of healthcare, HSAs, and personal finance, especially once you add investment analytics.
  • AI copilots shine when paired with real, trustworthy data pipelines; we learned how to orchestrate both across multiple stacks.

What's Next for hSavvy 🔮

  • Roll out secure user data vaults so individuals can upload receipts, EOBs, and doctor notes for automated classification.
  • Ship role-based enterprise dashboards with anonymized cohort analytics so HR teams can benchmark utilization without touching PHI.
  • Integrate claims ingestion (ELI/EOB parsing) and bank syncing for fully automated reimbursement workflows.
  • Layer in smart nudges, e.g., "You're $120 short of this quarter's contribution target" or "Book your PT session now for lower pricing", to turn hSavvy into a proactive coach.

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