HealthEquity adopted Microsoft 365 Copilot as a central AI interaction layer so employees can work with AI directly inside the tools they already use every day. Instead of treating AI as a separate system, teams access information across Microsoft 365, build custom agents, and apply AI inside their existing workflows.

Early use cases focused on high-volume, time-consuming work that slows teams down, such as:

• Summarizing large amounts of information
• Accelerating planning and preparation
• Analyzing and improving content

These scenarios quickly expanded across the organization. For example:

• Product and engineering teams use Copilot to create higher-quality user stories more efficiently.
• Marketing teams use AI agents trained on legal guidance to shorten compliance review cycles from days to minutes.
• Data teams perform data analysis in a fraction of the time it used to take.

By embedding AI into everyday work, HealthEquity is reducing handoffs, working more effectively across silos, and improving how members receive support during critical, time-sensitive healthcare and financial moments.

AI is reshaping how people at HealthEquity work, regardless of their technical background. The company invested heavily in enablement so employees could confidently use Copilot and build their own solutions:

• Copilot usage grew from about 50,000 to more than 220,000 monthly actions in just six months — a more than fourfold increase.
• More than 2,000 employees, representing over 80% of the workforce, completed foundational Copilot training.
• Hundreds of employees have gone on to design and deploy custom AI agents across the enterprise.

This is changing who can build solutions. As Shuki Licht, VP and Head of AI Technology Innovation, notes, someone with zero coding experience can now design, develop, test, and deploy code using Copilot. Employees are moving from task execution to solution creation.

Employee sentiment reflects this shift:

• More than three-quarters of employees say they understand how AI applies to their role.
• Over 80% say they are open to using AI in their day-to-day work.

According to Jordan Fullmer Griggs, AVP Workforce and Enablement, teams are collaborating more seamlessly, building custom agents to solve real problems, and taking end-to-end ownership of outcomes instead of just contributing to isolated tasks.

HealthEquity is scaling AI with embedded guardrails so teams can move faster without compromising trust. Security, legal, and compliance requirements are built directly into the tools and AI agents employees use.

Key elements of their approach include:

• Embedded standards: Security, legal, and compliance rules are integrated into AI workflows and agents from the start, not added as an afterthought.
• Human oversight: AI outputs remain subject to appropriate human review, especially in sensitive or high-impact scenarios.
• Clear governance: Teams know how to use AI responsibly while still taking advantage of the speed and flexibility it offers.

The impact is visible in operations and member experience. Work now moves from draft to decision faster, with fewer handoffs. Some member issues that previously took weeks can now, in specific cases, be resolved in minutes. This helps HealthEquity advance its mission to save and improve lives by empowering healthcare consumers with clearer, faster support during stressful healthcare and financial moments.