HealthView Services

What HealthView Services does

HealthView Services, Inc. is a privately held, bootstrapped fintech and data company founded in 2006 and headquartered in Middleton, Massachusetts. The company produces personalized healthcare cost projections for retirement planning and serves a three-tier customer base: Fortune 500 companies and large financial institutions (enterprise B2B), individual financial advisors (SMB SaaS), and retirees and pre-retirees (direct-to-consumer consulting). Its core product is the HVS Portal, an advisor-facing platform that generates personalized Medicare premium, out-of-pocket, long-term care, IRMAA surcharge, and Social Security optimization projections for individual clients.

The underlying technology rests on patented Proprietary Medical Costs Algorithms that process 530 million actuary-backed medical claims cases. The platform requires only three inputs — gender, current age, and health status — to generate projections, and the underlying data is continuously updated to reflect federal and state legislative and actuarial changes. For institutional clients, HealthView distributes the same engine via Data Web Services, APIs, and Integrated Digital Solutions, allowing partners to embed projections directly into their own financial planning platforms.

HealthView monetizes through three channels: annual SaaS subscriptions to the HVS Portal (with a 7-day free trial and promotional discounts of up to 40%), transactional consumer consulting packages priced from $300 to $650 per session across Standard, Premier, and Combined Medicare/Social Security tiers, and enterprise licensing to large financial institutions. The company is founder-controlled under Chairman and CEO Ron Mastrogiovanni Sr., operates with 11-50 employees, is incorporated in Massachusetts as HealthView Services, Inc. with a wholly-owned HealthView Advisory Services, Inc. (HVAS) affiliate, and operates exclusively in the United States with no disclosed external funding, M&A, or institutional ownership.

Name

HealthView Services

Legal name

HealthView Services, Inc.

Website

https://hvsfinancial.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Retirement Healthcare Cost Projection Software

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Prepackaged Software (7372), Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Cost of Care, Spend Analytics & Financial Performance Management (HLACAHAJ)

akta.pro secondary industries

Care Navigation, Advocacy & Benefits Guidance Platforms (HLALADAJ), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)

Keywords

• Retirement healthcare planning
• Healthcare cost projection
• Medicare cost forecasting
• Social Security optimization
• Financial advisory software

Headquarters

HQ city

Danvers

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. HVS Portal Subscription: Annual subscription access to the flagship advisor-facing platform including healthcare cost projection, long-term care projection, and Social Security optimization features. Offered with 7-day free trial and promotional discounts (up to 40% off during sales events).
2. Consulting Services: Personalized Medicare and Social Security consulting delivered via virtual one-on-one sessions with expert advisors. Includes Standard packages ($300-$450) with 30-minute consultations and personalized PDF reports, and Premier packages ($500-$650) with extended 60-75 minute sessions and administrative assistance.
3. Institutional Data and Software Licensing: B2B licensing of healthcare cost projection software to Fortune 500 companies and large financial institutions. Includes integrated digital solutions, data web services, and API access for institutional partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

HealthView Services develops and licenses proprietary healthcare cost-projection software used to build personalized retirement planning models. Its flagship HVS Portal allows financial advisors to generate Medicare, long-term care, and Social Security cost projections for clients, while Data Web Services and APIs deliver the same actuarial projections to Fortune 500 financial institutions. The company also sells direct-to-consumer Medicare and Social Security consulting packages delivered by human advisors via virtual appointments.

Product overview

HealthView Services offers a suite of retirement healthcare planning products centered around its HVS Portal platform, complemented by human advisory consulting services. The core HVS Portal provides advisors with healthcare cost projection, long-term care projection, and Social Security optimization features for individual clients. The company also offers HealthView Consulting with six consulting packages covering Medicare and Social Security analysis at Standard, Premier, and Combined tiers ranging from $300 to $650. For institutional clients, HealthView provides Data Web Services and Integrated Digital Solutions. The company produces annual Retirement Healthcare Costs Data Reports as white papers. All offerings are built on a proprietary actuarial database of over 530 million health claims cases with patented cost-projection algorithms.

Differentiator

Problem solved

Functional benefit

Brands

• HVS Portal: The company's hallmark advisor-facing platform that calculates healthcare costs, long-term care, Social Security optimization, and Medicare means testing (IRMAA) surcharges.
• HealthView Consulting

Products and services

• HVS Portal Software platform that generates personalized healthcare costs, long-term care expenses, Medicare means testing (IRMAA) surcharges, and Social Security optimization projections for clients of financial advisors. Targeted at financial advisors and RIAs, with annual subscription access and a 7-day free trial.
• HealthView Consulting Personalized Medicare and Social Security consulting delivered via virtual appointments with expert advisors, including a personalized PDF report. Available in Standard and Premier packages for Medicare, Social Security, and Combined topics, priced between $300 and $650, targeted at retirees and pre-retirees.
• Data Web Services API and web-service delivery of HealthView's healthcare cost projection data for institutional partners to integrate into their own platforms and applications. Targeted at large financial institutions and partners embedding retirement healthcare data into existing systems.
• Integrated Digital Solutions White-label and embedded solution enabling Fortune 500 companies and large financial institutions to incorporate HealthView's healthcare cost projections into their own retirement planning and financial planning systems under their brand.

Quantifiable outcome

• Lifetime health costs for couples retiring in 2021 ranged from $156,208 to $1,022,997
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• eMoney Advisor: A leading financial planning software platform serving advisors and enterprises with comprehensive planning tools; comparable to HealthView because it is a primary planning platform into which healthcare cost projections could be integrated or against which HealthView's standalone offering competes.
• MoneyGuide (Envestnet): Widely-used goal-based financial planning platform for advisors and institutions; comparable because it serves the same RIA and enterprise buyer and includes retirement healthcare cost modeling as part of broader planning outputs.
• Empower (Personal Capital): Large retirement-focused wealth platform with planning tools for both consumers and institutions; comparable because its retirement planning suite increasingly bundles healthcare cost assumptions that compete with HealthView's projections.
• Fidelity Retirement Planning Tools: Fidelity offers proprietary retirement planning and healthcare cost estimation tools to its retail and institutional clients; comparable as a large incumbent whose bundled tools compete with HealthView's advisor platform.
• Schwab Planning Tools: Schwab provides retirement planning tools for RIAs and retail clients that incorporate healthcare cost estimates; comparable as a major broker-dealer platform whose free planning tools can substitute for HealthView's paid projections.
• Morningstar Retirement: Provider of retirement income and planning solutions for advisors and plan sponsors, including healthcare cost modeling; comparable as an established data and planning vendor in the same advisor/enterprise buyer segment.
• Voya Financial: Large retirement and employee benefits provider offering planning tools to plan sponsors and participants; comparable because it embeds retirement healthcare planning capabilities into institutional offerings that compete with HealthView's enterprise stack.

Direct peers

• RightCapital: Advisor-facing financial planning platform used by RIAs and financial advisors to build comprehensive retirement plans; comparable to HealthView because it competes for the same advisor seat with retirement planning workflows that include healthcare cost inputs.
• Boldin (formerly NewRetirement): Retirement planning software for both consumers and advisors with healthcare cost modeling and Social Security optimization; comparable because it overlaps with HealthView's combined advisor-portal and consumer-consulting proposition.

Emerging players

• United Income (Capital One): Was a retirement planning and income management service acquired by Capital One; comparable in targeting retirees and pre-retirees with personalized Social Security and withdrawal strategies that overlap with HealthView's consulting offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/healthview
• Facebookfacebook.com/HealthView-Services-508300359182645
• LinkedInlinkedin.com/company/healthview-services-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HealthView Services