Comparison

Inspira Mobile® vs Voya

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Inspira Mobile®

Manage your health, wealth, and benefit accounts in real-time. This app offers easy control over your savings, reimbursements, and payments. It also features a scanner to check product eligibility for your plans.

Highlights
  • Manage health savings accounts (HSA)
  • Manage flexible spending accounts (FSA)
  • Request reimbursement
  • Pay providers
  • Deposit funds
  • Eligible Expense Scanner
  • Secure login options
Features
Read full description

Inspira Financial is a provider of health, wealth, retirement, and benefits solutions. The Inspira app helps you take care of your benefits with ease. Whether you’re checking a balance, requesting reimbursement, or making a payment, everything is designed to be clear, quick, and easy to use with fewer taps and less guesswork. Built to save you time • Quick and secure login to get you right to what matters • Simplified dashboard that shows your balances, activity, and common tasks • Request reimbursement faster and get clear status updates • Move through the app with ease thanks to improved navigation and core features • Stay informed with timely alerts when action is needed Supports the benefits you have with Inspira • health savings account (HSA) • health care flexible spending account (FSA) • dependent care flexible spending account (FSA) • limited purpose flexible spending account (FSA) • health reimbursement arrangement (HRA) • lifestyle spending account (LSA) • commuter benefits • COBRA • direct billing At Inspira Financial, we’re committed to making benefits easier to access, understand, and manage. Every improvement to the app is shaped by user feedback and built to support you so you can feel confident in every step you take. Download the app for free and manage your benefits with confidence.

About

Voya

Manage your entire financial life from one secure app. Track retirement, health savings, and investment accounts, alongside external banking and credit card information. Receive personalized guidance and access interactive tools to help you achieve your financial goals.

Highlights
  • All-in-one account aggregation
  • Personalized financial guidance
  • Retirement income modeling
  • Secure data protection
  • Workplace benefits insights
  • Healthcare expense tracking
Features
Currently charting
Read full description

Your financial life, connected and confident Experience a simpler way to manage your money anytime, anywhere. With the Voya mobile app, you get a comprehensive, secure, and personalized financial experience designed to help you stay on track for your future. • All-in-one access View and manage your retirement, health savings, and investment accounts in one place—alongside external accounts like checking, savings, and credit cards—for a complete picture of your financial life. • Personalized financial guidance Get tailored insights, goal tracking, and nudges to help you save more, pay off debt, plan for college, or prepare for retirement. • Interactive tools & resources Model retirement income with myOrangeMoney®, access video education, live chat support, and investment advice all designed to help you take confident action. • Secure and private Your data is protected with enhanced encryption, multi-factor authentication, biometric voice ID, and our S.A.F.E. guarantee. We never sell your personal information—ever. • Effortless experience Clean design and intuitive navigation make it easy to check balances, update contributions and beneficiaries, and manage your investments all while on the go. Plus, the entire app is also available in Spanish. • Benefits and healthcare insights If offered through your retirement or employee benefits plan, review your workplace benefits and savings options with personalized support, while also staying on top of your healthcare by tracking out-of-pocket expenses and receiving reminders for preventive care. Wherever life takes you, Voya goes with you. Log in today to experience your upgraded financial journey — personalized, secure, and built to help you retire with confidence. Current Voya Retire users will either seamlessly transition to the new experience through an automatic update or receive a prompt to update their app.

Screenshots

Inspira Mobile®4 screens
Voya4 screens

Verdict

The call

The clearest difference is rating: Voya at 4.7 against Inspira Mobile®'s 4.3. Voya also leads on monetization model (free vs free with in-app purchases) and review sentiment (24% vs 7%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Voya holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 41K and 190K respectively. Written reviews point the same way: 7% of Inspira Mobile®'s written reviews are positive against 24% of Voya's.

UpkeepUpdate frequency

Inspira Mobile® ships an update every 2 weeks, Voya fortnightly. Both last shipped on October 29, 2026.

Scorecard5 real differences · 6 level
Inspira Mobile® versus Voya: the parameters behind the verdict, then further details
ParameterInspira Mobile®Voya
PriceFreeFree
Rating4.3 (41K ratings)4.7 (190K ratings) — better
Positive reviews7.1% of reviews23.8% of reviews — better
Number of ratings41K190K — better
Update frequencyEvery 2 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank—#156 — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size88 MB138 MB
Age rating12+4+
DeveloperInspira Financial Health, Inc.Voya Services Company

Customer experience

Inspira Mobile®

All ratings40,758 ratings
Positive82.7%
Neutral4.0%
Negative13.2%
Written reviews674 reviews
Positive7.1%
Neutral3.6%
Negative89.3%

Voya

All ratings188,486 ratings
Positive93.9%
Neutral2.6%
Negative3.5%
Written reviews804 reviews
Positive23.8%
Neutral9.8%
Negative66.4%

User reviews

Inspira Mobile®

From 41K App Store ratings

What we love

  • 📱 Intuitive and user-friendly app
  • 🔍 Helpful features like receipt scanning
  • 💳 Convenient way to manage FSA/HSA accounts

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔒 Unreliable login and authentication
  • 🕰️ Slow and unresponsive performance
  • 🤔 Confusing and inconsistent UI
  • 📄 Difficult to submit and manage claims

Voya

From 190K App Store ratings

What we love

  • 🚀 Intuitive user interface
  • 🔒 Robust security features
  • 💡 Retirement planning tools
  • 👍 User-friendly navigation

Room to improve

  • 🐛 Frequent app crashes and system unavailability
  • 👎 Lack of transparency in account details
  • 🕰️ Slow performance and loading times
  • 📊 Limited investment performance history

Bugs and requests

Inspira Mobile®

Reported bugs

4 issues
  • App frequently crashes or becomes unresponsive
  • Login process is unreliable and requires repeated authentication
  • Submitted claims and documents often disappear or get lost
  • Inconsistent behavior between app and website

Requested features

4 requests
  • Improve login and authentication experience
  • Allow direct photo/document uploads without conversion
  • Provide better visibility into claim status and history
  • Integrate with more healthcare providers and services

Voya

Reported bugs

3 issues
  • Login issues with Face ID/Touch ID
  • Inability to access account details and transactions
  • Inconsistent app behavior across iOS versions

Requested features

4 requests
  • Ability to view monthly/quarterly investment performance
  • Option to customize contribution limits
  • Improved fund lookup and research tools
  • Enhanced portfolio tracking and analytics

In-app purchases

None

Inspira Mobile®

No in-app purchases

None

Voya

No in-app purchases

Questions

Is Inspira Mobile® free?
Inspira Mobile® is free to download, with no in-app purchases.
Is Voya free?
Voya is free to download, with no in-app purchases.
Which has better reviews, Inspira Mobile® or Voya?
Voya is rated higher. Inspira Mobile® averages 4.3 out of 5 from 41K ratings, while Voya averages 4.7 from 190K ratings.
Do Inspira Mobile® or Voya have ads?
Neither Inspira Mobile® nor Voya shows ads.
Which is updated more often, Inspira Mobile® or Voya?
Inspira Mobile® ships an update every 2 weeks, and Voya fortnightly. Most recently, Inspira Mobile® was updated on October 29, 2026 and Voya on October 29, 2026.

Other comparisons