Aya is removing all the complexity associated with traditional employee benefits, and simplifying the experience. Their product allows employees to use a MasterCard, funded by their employers. The card can be used to make any health-related purchases specific to your needs, which are then tax-deductible. Unlike traditional health spending accounts (HSAs), Aya does not require the employee to pay up-front out-of-pocket, nor does it require manually completing expense claims after the purchase. Aya has also launched a wellness spending account (WSA), tied to the same MasterCard so that employees can additionally spend on other wellness items such as gym memberships, education, public transportation and childcare.