Abstract: Methods, systems, and apparatus for prioritizing communications are described. Metadata that characterizes an electronic communication is obtained and a machine learning algorithm is applied to the metadata to generate a scoring model. A score for the electronic communication is generated based on the scoring model.

Abstract: A business HSA platform is provided. The system may include an eligibility detector, an HSA setup module, an HSA expenditures manager, and an employer contributions manager. The eligibility detector may be configured to determine health savings account (HSA) eligibility of an employee. The HSA setup module may be configured to establish an HSA account for the employee. The HSA expenditures manager may be configured to facilitate on-line management of the HSA account. The employer contributions manager may be configured to facilitate automatic contributions by an employer of the employee into the HSA account.