In the world of employer-sponsored healthcare, innovation has been slow to catch up with the needs of modern businesses and their employees—until now. Enter Gravie Insurance, a company reimagining how health benefits are offered, accessed, and managed. If you’re an employer seeking flexible, affordable, and employee-focused healthcare solutions, or an employee looking for better coverage and control, Gravie may offer the fresh approach you’ve been waiting for.
🔍 What Is Gravie?
Gravie is a Minneapolis-based health benefits company that provides modern health insurance options through a model known as individual coverage health reimbursement arrangements (ICHRA) and its flagship product, Gravie Comfort™. Since launching in 2013, Gravie has helped employers move away from one-size-fits-all group plans by allowing them to fund individual health insurance for their employees—without sacrificing quality, compliance, or convenience.
🧩 How Gravie Works
At its core, Gravie allows employers to give employees a fixed monthly stipend, which they use to purchase their own health insurance through the marketplace. This is facilitated through an ICHRA or other Gravie-supported solutions.
Here’s how it breaks down:
- Employer Sets a Budget
- Companies decide how much they want to contribute monthly toward each employee’s health insurance.
- Companies decide how much they want to contribute monthly toward each employee’s health insurance.
- Employees Choose Their Plans
- Employees shop for individual insurance plans—based on their unique needs—through Gravie’s platform.
- Gravie provides access to ACA-compliant, major medical plans and helps employees enroll in the right one.
- Employees shop for individual insurance plans—based on their unique needs—through Gravie’s platform.
- Gravie Manages the Details
- The platform handles reimbursement, compliance, plan guidance, and ongoing support.
- Employers never have to deal with claims, plan renewals, or paperwork.
- The platform handles reimbursement, compliance, plan guidance, and ongoing support.
🌟 Gravie Comfort™: Full-Service Health Benefits
One of Gravie’s standout offerings is Gravie Comfort™, a full-fledged health benefit plan that looks and feels like traditional insurance but is powered by Gravie’s proprietary infrastructure.
Key features of Gravie Comfort include:
- $0 copays for most common healthcare services
- No deductibles
- Nationwide coverage
- Digital-first experience with telemedicine and concierge support
- Predictable monthly costs for employers
This model aims to remove financial barriers to care while simplifying plan selection and usage for members.
📈 Why Employers Are Switching to Gravie
Gravie offers several advantages over traditional group health insurance plans:
✅ Cost Control & Predictability
Employers choose their contribution amount and stick to a fixed budget, avoiding annual renewal rate shocks.
✅ Personalization for Employees
Instead of forcing employees into a single group plan, Gravie allows individuals to select coverage that fits their specific health needs, location, and family situation.
✅ Simplified Administration
No more managing group policy renewals, eligibility forms, or plan documents. Gravie handles it all through a user-friendly dashboard.
✅ Compliance Support
Gravie ensures ICHRA compliance with IRS and ACA guidelines, so businesses stay legally covered without managing the details themselves.
💼 Ideal Businesses for Gravie
Gravie is especially popular among:
- Small to mid-sized businesses that struggle with traditional group plan costs
- Startups and tech companies seeking employee-friendly, flexible benefits
- Distributed or remote teams needing nationwide insurance options
- High-growth businesses that want scalability without administrative headaches
📊 Gravie vs. Traditional Group Insurance
| Feature | Gravie Insurance | Traditional Group Plan |
| Flexibility for employees | High – choose own plans | Low – one or two group plans |
| Employer cost control | Fixed budget | Variable, often increases |
| Administrative burden | Minimal | High |
| Personalized support | Yes – via Gravie team | Limited |
| Compliance management | Included with service | Employer’s responsibility |
🧠 Employee Experience with Gravie
Employees benefit from:
- Personalized plan selection assistance
- Ongoing support from licensed advisors
- Access to telehealth and mental health care
- Easy-to-use digital tools
- Transparent costs and clear coverage options
Surveys and testimonials often highlight employee satisfaction due to greater choice and ease of use compared to traditional insurance systems.
🔐 Is Gravie Safe and Compliant?
Yes. Gravie is fully compliant with Affordable Care Act (ACA) requirements and supports ICHRA administration in accordance with IRS regulations. All individual plans purchased through Gravie are ACA-compliant, ensuring minimum essential coverage for employees.
📢 Reviews and Recognition
Gravie has gained attention for disrupting the health insurance market with a tech-forward, consumer-friendly platform. It has been featured in:
- Forbes
- Inc. Magazine
- BenefitsPRO
- Employee Benefit News
In 2024, Gravie was named one of the Fastest-Growing Private Companies in the U.S. by Inc. 5000.
🧾 Getting Started with Gravie
Employers can visit Gravie.com to request a demo or consultation. The process typically involves:
- Setting a benefits budget
- Learning about Gravie’s available solutions (ICHRA or Comfort)
- Onboarding with the Gravie support team
- Communicating the new benefit model to employees
🏁 Conclusion
Gravie Insurance represents a smart, scalable, and employee-centric alternative to traditional group health plans. By offering employers cost control and employees greater flexibility, Gravie is reshaping how companies provide healthcare benefits in the modern workplace. Whether you’re a startup or an established business looking for a better way to support your team, Gravie is worth serious consideration.
