Accelerating Product Development in Healthcare Lending

Lane Health helps employees enrolled in High Deductible Health Plans cover medical expenses. Its HSA Advance program provides the Lane Health Card. Instant credit at the point of sale. No credit check. Nearly 43 million Americans hold HSA accounts. Half of private-sector workers now have access to a high-deductible plan. For many of them, a surprise medical bill means choosing between care and cost. Lane Health was built to remove that choice.

01 The Challenge

A product that worked, on a platform the team had outgrown

The HSA market reached $147 billion in assets in 2024. It grew 19% in a single year. For Lane Health, that growth meant more employers, more employees, and more transactions. The company wanted to move faster. The apps served three audiences: employees, employers, and administrators. Each needed to be reliable, secure, and fast to update.

The apps ran on a no-code platform. That platform had served the company well in its early stage. As the business grew, the team saw the limits. There was no version control. No automated testing. No monitoring. Each release required manual coordination. The team wanted a modern development environment where engineers could ship updates with confidence and speed.

HIPAA compliance added another layer of complexity. Lane Health stores and handles protected health information. The existing setup did not meet the security requirements the team envisioned for its next stage of growth. The company wanted a HIPAA-compliant environment on AWS. Proper access controls, encryption, and audit logging needed to be built in from the start.

The timeline was firm: four months from kickoff to production. Lane Health partnered with Provectus, an AI-first systems integrator and solutions provider, to redesign the stack, migrate the apps, and deliver a production-ready environment on schedule.

02 The Approach

Audit the existing apps, then rebuild on AWS with compliance built in from day one

Provectus started by reviewing Lane Health’s three HSA Advance apps. The team mapped business logic, external dependencies, and data structures. They assessed the compliance posture and identified what needed to change to meet HIPAA security guidelines.

The approach was to rebuild the environment on AWS. Not a lift-and-shift. A full redesign. The new architecture would meet HIPAA requirements for data encryption, access control, and audit logging. It would also give the engineering team a modern development workflow. CI/CD pipelines, centralized logging, monitoring, and alerting.

Provectus ran integration, functional, and full-system tests at each stage. The goal was to verify that the new apps matched the originals. Every piece of business logic had to carry over. Users would continue using the HSA Advance apps without disruption.

03 The Build

CI/CD pipelines, microservices, data quality checks, and a HIPAA-ready environment

The build delivered four things. First, automated CI/CD pipelines for continuous delivery. Engineers push code and deploy with a single action. No manual coordination. No release-day anxiety.

Second, a set of microservices to support core business logic, third-party integrations, and frontend APIs. The microservices architecture replaced the constraints of the no-code platform with a flexible, modular codebase the team owns.

Third, data quality verification pipelines for user enrollment. Every record flows through validation checks before it enters the system. Bad data gets caught early.

Fourth, a HIPAA-compliant environment with proper access controls. Engineer access to sensitive customer data is restricted by role. Logging, monitoring, and data backups follow HIPAA best practices. The environment was built to be audit-ready from day one.

04 The Results

From a constrained no-code setup to a modern, owned application stack in four months

Lane Health shipped to production on schedule. The four-month timeline held. No disruption to existing users. No loss of business logic. The apps were rebuilt from scratch, yet every workflow carried over intact.

60%

Reduction in total cost of ownership

Measured against the legacy no-code platform

Moving to AWS and removing the no-code platform cut running costs by more than half. The savings came from eliminating platform licensing fees and streamlining development, deployment, and maintenance.

The engineering team now owns the full stack. They release updates on their own schedule. They monitor performance in real time. They control access to sensitive data. For a healthcare lending company handling protected health information, that ownership matters.

05 What’s Next

A modern stack built for the next stage of growth in healthcare lending

Lane Health now has the development environment and compliance posture to move fast. The company can iterate on its HSA Advance product and onboard new employer clients without rearchitecting. Provectus works with Lane Health as the company grows its presence in healthcare lending.