# Consociate FlexMobile vs Consumer Accounts with UMR

The clearest difference is ratings volume: Consumer Accounts with UMR at 151 against Consociate FlexMobile's 3. On price, rating, update cadence and ads there is nothing between them.

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

Consumer Accounts with UMR holds the better App Store score, 4.2 against 4.0. That said, the two scores are not equally well evidenced: Consumer Accounts with UMR has 151 ratings behind it against 3, so its average is the more settled of the two.

Consociate FlexMobile ships an update every 5 months, Consumer Accounts with UMR every 6 months. The most recent releases landed on November 1, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Consociate FlexMobile | Consumer Accounts with UMR |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (3 ratings)](https://appshunter.io/ios/app/consociate-flexmobile/id859401364/reviews) | **[4.2 (151 ratings)](https://appshunter.io/ios/app/consumer-accounts-with-umr/id1325810198/reviews)** |
| Number of ratings | 3 | **151** |
| Positive reviews | — | 27.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 months** | Every 6 months |
| Monetization | Free | Free |
| Size | 32 MB | 30 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Consociate, Inc.](https://appshunter.io/developer/859401367) | [United HealthCare Services, Inc.](https://appshunter.io/developer/1134060798) |

## What reviewers say

### Consociate FlexMobile

[App page](https://appshunter.io/ios/app/consociate-flexmobile/id859401364)

Easily manage your HSA, HRA, and FSA health benefit accounts on the go. Quickly check balances, view account details, and submit claims with real-time access and secure navigation.

**Highlights:** Check account balances 24/7, View account summaries and claims, File and submit claims with photos, Manage HSA transactions, Pay bills and add payees, Report lost or stolen debit cards

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### Consumer Accounts with UMR

[App page](https://appshunter.io/ios/app/consumer-accounts-with-umr/id1325810198)

Manage your health benefit accounts on the go with this secure mobile app. Quickly check balances, view claims and statements, and submit receipts for reimbursement. Features include biometric login and barcode scanning for expense eligibility.

**Highlights:** Check account balances 24/7, View claims and statements, Submit receipts for claims, Scan product barcodes for eligibility, Biometric login (Touch ID/Face ID), Manage HSA transactions

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Consociate FlexMobile free?

Consociate FlexMobile is free to download, with no in-app purchases.

### Is Consumer Accounts with UMR free?

Consumer Accounts with UMR is free to download, with no in-app purchases.

### Which has better reviews, Consociate FlexMobile or Consumer Accounts with UMR?

Consumer Accounts with UMR is rated higher. Consociate FlexMobile averages 4.0 out of 5 from 3 ratings, while Consumer Accounts with UMR averages 4.2 from 151 ratings.

### Do Consociate FlexMobile or Consumer Accounts with UMR have ads?

Neither Consociate FlexMobile nor Consumer Accounts with UMR shows ads.

### Which is updated more often, Consociate FlexMobile or Consumer Accounts with UMR?

Consociate FlexMobile ships an update every 5 months, and Consumer Accounts with UMR every 6 months. Most recently, Consociate FlexMobile was updated on November 1, 2026 and Consumer Accounts with UMR on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*